Ritz-Carlton Rewards Visa Infinite
Chase$450 a yearVisa InfiniteNo foreign transaction feeIssuer's page
Not open to new applicants.
Already have it? Keep it.
Not open to applications
With no current offer, the first year counts no welcome bonus.
| First-year value | Amount |
|---|---|
| No current offer | $0 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$13 |
| Credits you'll likely useof $570 face value | +$305 |
| Annual fee | −$450 |
| First year | −$132 |
| Each year after | +$892 |
Not counted in the first year: lounge access, status, anniversary free nights and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 3X | Dining | 2.2% |
| 3X | Car rentals | 2.2% |
| 3X | Flights booked directly with airlines | 2.2% |
| 6X | Marriott purchases | 4.4% |
| 2X | Everything else | 1.5% |
Noteworthy perks
- Marriott Bonvoy free nightArrives on your card anniversary, after the first year
- Airline Fees$300 a year
- Chase Sapphire Lounge
- Marriott Bonvoy Gold
Personal card · Earns Marriott Bonvoy · Authorized user fee $0
Benefits
Credits & Perks (5)
- Airline Fees: $300 (Annual Calendar Year)
Airline lounge passes and memberships, seat upgrades, baggage fees, In-flight purchases, global entry fees. Airline tickets, mileage points purchases, mileage points transfer fees, gift cards, duty free purchases, and award tickets are not deemed to be incidental fees.
- Ritz-Carlton and St. Regis: $100 (Annual Calendar Year)
Credit for qualifying charges when booking a 2-night minimum stay at The Ritz-Carlton or St. Regis on certain qualifying rates
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
- Instacart coupon: $10 off 1 order (Monthly)
Instacart+ membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on Instacart orders with active Instacart+ membership (enroll by 12/31/27)
- DoorDash Grocery/Retail, monthly coupon: $10 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on non-restaurant DoorDash orders with DashPass (DashPass first activated between 09/01/26 and 12/31/27 with the card; the coupon continues while you stay enrolled)
Lounge Access (2)
- Priority Pass Select (Unlimited): 2 free guests, paid guests allowed
- Chase Sapphire Lounge (Unlimited): 2 free guests, paid guests allowed
Elite status (4)
- Marriott Bonvoy: Gold
- Marriott Bonvoy: Platinum
- Marriott Bonvoy: 15 elite night credits per year
- National Emerald Club: Executive
Protections (12)
- Baggage Delay, up to $500, Up to $100 per day for up to 5 days when bags delayed 6+ hours. Pay for any part of common carrier transportation with your card to be eligible for this benefit.
- Travel Accident Insurance, up to $1,000,000, Up to $1,000,000 for death/dismemberment on common carrier. Pay for any part of common carrier transportation with your card to be eligible for this benefit.
- Trip Cancellation/Interruption, up to $10,000, Up to $10,000 per traveler, $20,000 per trip for non-refundable costs. Pay for any part of your trip with your card to be eligible for this benefit.
- Trip Delay, up to $500, Up to $500 per traveler for delays over 6 hours. Pay for any part of common carrier transportation with your card to be eligible for this benefit.
- Lost Luggage, up to $3,000, Coverage for luggage and contents lost/stolen by common carrier up to $3,000 per person per trip. Pay for any part of common carrier transportation with your card to be eligible for this benefit.
- Emergency Evacuation, up to $100,000, Coverage for emergency medical evacuation costs up to $100,000. Pay for any part of your trip with your card to be eligible for this benefit.
- Emergency Medical/Dental, up to $2,500, Up to $2,500 for emergency medical and dental expenses. Put any part of common carrier transportation on your card to be eligible for this benefit.
- Purchase Protection, up to $10,000, 120 days coverage for theft/damage/involuntary parting (90 days for New York residents)
- Extended Warranty, up to $10,000, Extends manufacturer's warranty by 1 year (max 3 years original)
- Return Protection, up to $500, Up to $500 per item when retailer won't accept return; reimbursement excludes shipping, handling fees and taxes. Purchases outside the United States are excluded.
- Auto Rental Collision Damage Waiver (primary), up to $75,000, Primary coverage up to $75,000 for rental car damage/theft (secondary for NY residents with personal auto insurance). Pay for the full cost on your card to be eligible for this benefit.
- Roadside Assistance, up to $50, Up to $50 per incident, max 2 gallon fill up, 4 times per year
Other Perks
- Annual 85K Marriott Bonvoy Free Night Certificate upon renewal
- 3 club-level upgrades at Ritz-Carlton properties
- Complimentary Instacart+ membership for 3 months (enroll by 12/31/27)
- Free in-room premium Wi-Fi at participating Marriott Bonvoy hotels
- Complimentary DoorDash DashPass for 12 months (must activate by 12/31/27)
The Marriott Bonvoy Chase family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Ritz-Carlton RewardsOct 8, 2026
- changed from null to Can downgrade: true; Can upgrade: false; Family id: marriott_chase; Family name: Marriott Bonvoy Chase; Is top tier: true; Siblings: Slug: marriott-bonvoy-bold-credit-card; Tier: 1; Tier name: Bold; Slug: marriott-bonvoy-boundless-credit-card; Tier: 2; Tier name: Boundless; Slug: marriott-bonvoy-bountiful-card; Tier: 3; Tier name: Bountiful; Tier: 4; Tier name: Ritz-CarltonSep 26, 2026