Pam
One of the best cards out there is not available to apply to anymore. The Ritz-Carlton card is one of my favorite cards that I keep and have no plans to get rid of. You may not be able to apply for it anymore but you can get it through a product change. These are the reasons why I would product change the Chase Marriott Bonvoy Bold or Chase Marriott Boundless card to the Ritz-Carlton card. I think the Ritz-Carlton card is worth more than its $450 annual fee.
The Ritz Carlton card gets a $300 yearly credit that can be used in the following ways:
These aren’t automatic credits though. You have to send a secure message to Chase with proof of your purchase. It is easy to do though.
This is where the card shines in my opinion. The annual night certificate was just upgraded from a 50K certificate to an 85K certificate. Previously, before Marriott got rid of their award chart, I could stay in the Wailea Beach Resort or a Ritz Carlton with a 50K certificate but that changed. Now that they have upgraded the certificate to an 85K one, I can stay there again. I can also add 15K in points to “top-off” the certificate. This makes it easy for me to stay at a $700+/night hotel once again. This is the main reason this card is a no-brainer to me. My husband has one too so that means two nights at a really nice hotel a year.
Several cards offer Priority Pass airport lounge access. Most do not include the ability to use them at a Priority Pass airport restaurant. The only ones that do are Capital One and Ritz Carlton. You can get $28 off your bill and you can bring a guest – that is $56 in food and beverages every time you go to one. That can add up quickly! Even better, you can get unlimited free authorized users on the card. So if your husband is an authorized user on the card, he and a guest (or your two children) eat free too! that is a $112 savings. You can even use it at multiple restaurants during the same connection if there’s more than one participating restaurant in the airport.
It has to be one year since you got a Marriott card before you can do a product change. You can secure message Chase to do the product change or call them. You do need to have $10,000 in credit for the Ritz-Carlton card but you can always move around limits between other cards to ensure this. Note: this does not change your 5/24 status as it is not a new application but a product change.
If you are bummed that you can’t stay at your favorite Marriott luxury hotel with your free night certificates anymore, you might want to consider a product change to the Ritz-Carlton card. I eat at a Priority Pass restaurant at least three times a year with a companion, which saves me $168. My hotel stay is worth at least $700. Add in the $300 travel credit and I have $1168 value on this card. Heck yes, I’ll pay $450 for it! And did I mention that it has excellent travel protection too?
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What do you mean about the $10,000 credit limit? I’m confused. Do I have to spend d $10k on it annually?
No, you just need that amount as a credit limit on the card. We pay them off monthly so it doesn’t really matter what the limit is.
When would you earn the 85k certificate – at the time of PC or after your 1 year anniversary of the Ritz card?
I believe it would take effect at the same time you received the certificate for your previous Marriott card. I would call Marriott (you will need to anyway for the product change) and ask a rep.
Hello Pam,
Thanks for the article. Quick question, does there need to be a minimum spend on the card that you are upgrading to get approvded to the Ritz Carlton?
I currently have had the Chase Bonvoy Bountiful card for over a year and it has an $11,000 credit limit. However I rarely put any charges on it, less than $1000 per year.
Cheers:)
You should be fine. They want a credit limit of 10K so you are good that way.
Thanks, Pam. Your speedy response is much appreciated:)
Which chase Marriott cards can be PC’d to the Ritz cc? All of them or only specific ones? Thanks
It has to be a Chase Marriott card so the Bold, Boundless, or the Bountiful cards.
Hi Pam. Nice article. So, I plan to convert my Boundless to Ritz with my 17-yr old as AU; so not to take up 5/24 slot for wife. Would this mean all four of us in the family can have meal all together for ‘free’? would that work? Thanks!
Yes, that should work!
Hi Pam, assuming Ritz-Carlton only has personal cards? So the Chase Marriott cards that are eligible for product change must be personal cards as well? I only have Chase Marriott Bus card and AX Bonvoy Bus card.
Yes, you are correct. You would need a Chase personal card.
can you product change to ritz carlton from the chase marriott premier card? Does chase allow you to product change more than one marriott card to ritz carlton (so you end up with 2+ ritz carlton cards)? thanks
Yes, you can but you can only end up with one Ritz Carlton card per person as far as I know.