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Card Economics
- Annual Fee
- $450
- Ongoing Annual Value
- $949
- First-Year Value Estimate
- N/A
- Net Value
- +$499
Card type: PersonalForeign transaction fee: NoneCurrency: Marriott BonvoyAU fee: $0
Ritz-Carlton Rewards Visa Infinite
NOT OPEN TO APPLICATIONS
Only reachable by changing a card you already hold with this issuer.
Earning Structure
6XMarriott purchases4.4%
3XCar rentals2.2%
3XDining2.2%
3XFlights booked directly with airlines2.2%
2XAll other purchases1.5%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?Credits & Perks (4)
- 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: $10 (Monthly)
Monthly credit on Instacart orders with active Instacart+ membership (enroll by 12/31/27)
Lounge Access (2)
- Priority Pass Select (Unlimited) — 2 free guests, paid guests allowed
- Chase Sapphire Lounge (Unlimited) — unlimited free guests
Elite Status (3)
- Marriott Bonvoy: Gold
- Marriott Bonvoy: Platinum
- Marriott Bonvoy: 15 elite night credits per year
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
- 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
- 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