topic Re: Ritz Carlton Rewards in Credit Cards

Ritz Carlton Rewards

DomLS3 — Tue, 15 Dec 2015 14:43:54 GMT

I've been reading around the forum and see that a lot of people think that the 140k offer will come back sometime in mid December. I'm curious if I should get this card simply just for the offer? I currently have 3 cards: Amex BCP - $25,000CL, Citi Diamond Preferred - $11,100 CL, and a Kohl's card from years ago with a $300 CL. I don't do any travelling, although I would like to start. I can't think of any other cards out there right now that would/could really benefit me much as I get some pretty good cash back rewards on my BCP. I believe my last statement credit for my cash back on BCP was $470.00+ for one year. The $395 annual fee for this card really doesn't bother me too much, since I would like to start travelling (not sure how often/how much I'm planning to spend if I do.... this is why I'm asking if it would be worth me even getting the card). Since the 140k offer is so scarce, if it comes back up, should I just go ahead and app for it? Getting approved won't be a problem - (771 EQ, 779 TU, 766 EX) fico scores as of today. Plus it'd be cool to be carrying around a heavy metal card that's much more impressive than CSP. (Note: I would ONLY consider apping for this card if it came with the 140k offer.

Any input is appreciated.

Thanks!

Re: Ritz Carlton Rewards

TrialByFire — Tue, 15 Dec 2015 17:57:46 GMT

Sounds like you're sitting on go lol

Yeah if the AF doesn't bother you and you think it might benefit you, there's nothing wrong with trying it out and reevaluating when the next AF is due

Re: Ritz Carlton Rewards

CreditCuriosity — Tue, 15 Dec 2015 18:12:33 GMT

Many people are waiting for this 140k offer to hopefully come out tomorrow or something VERY soon and ready to pounce on this card... If you get it before the end of the year is up and can use the Airline credit you can use it once this year and once next year which equals 600 dollars right there for a 395 AF card.. Keep in mind this card also has many other benefits also including primary renters car coverage as well for free. It is one of the best travel cards out there, so at the very least you really have nothing to lose if you want to try a travel card for a year and you can utilize the 600 travel credit between the two years as you would come out ahead. you can use it for any lounge access, seat upgrades and possibly even GC's although a bit more risk involved in that whether credited or not.. Plenty of other people will pipe in here as well regarding this card.. If you want it I would suggest applying like ASAP to get the two calendar years of credit as most likely it will not be instant approval and then it has to be linked to your marriott account and verification with that add another 5 days for that and then shipped... So you want to make sure to get it before the 31st as this is the slowest card I have ever personally received I applied on the 16th and got it on the 30th of November.

Re: Ritz Carlton Rewards

DomLS3 — Tue, 15 Dec 2015 18:22:57 GMT

I currently do not have a Marriot account, so would I need to sign up for one?

With regards to the airline credit for $600. What does this actually mean? I can go to an airport and spend $600 in shops actually in the airport and then request that I be reimbursed that $600? And with the AF, is this tacked on starting at the beginning, as in as soon as I'm approved and get the card? Has anyone been able to successfully get the first year waived? I saw on another thread where somebody said they go **bleep** waived but haven't seen any others.

Also, If I did app for it now, I read that if the 140k offer comes up AFTER i've apped/been approved, they will apply the promo anyway? Is this true?

Re: Ritz Carlton Rewards

CreditCuriosity — Tue, 15 Dec 2015 18:55:57 GMT

They will create you a ritz/marriott # if you don't already have one

No you can't buy stuff at the airport shops, I explained what qualifies for it such as lounge access, seat upgrades aka coach for business class, gift cards(careful on this one as they aren't suppose to be), luggage fees, WI-fi, and the likes.

They will typically honor the promotion 99% of the time if it comes out a month or so after you apply with it, not 3+ months down the line.

Regarding getting the AF waived there are ways, but you can google that and find out how to do that if you don't think the card already justifies the AF which is clearly does for most people. I think that is just cheating the system / card IMO to get past it thus don't condone it, but not one to judge.. You can find that info yourself if you would like to do it as I don't believe it can be talked about on this forum either although I could be wrong.

Re: Ritz Carlton Rewards

elim — Tue, 15 Dec 2015 19:01:51 GMT

If you travel a couple times a year there is no AF for this card. 10k spend per year guarantees gold status for the following year. :]

$300	Annual travel credit*Make the most of your trip with a $300 annual travel credit to use for baggage fees, Global Entry fees, seat upgrades, access to your preferred airport lounge and more.
$100	Hotel credit on paid stays of two nights or longer*Allow us to treat you during your time away with a $100 hotel credit toward dining, spa or other hotel recreational activities on paid stays of two nights or longer, when reserving this offer.

Re: Ritz Carlton Rewards

jsucool76 — Tue, 15 Dec 2015 19:16:07 GMT

That hotel credit is only good for ritz carlton hotels, not marriott hotels though, so be aware.

It's a great card, in my opinion, though some disagree. for the 140k offer, I recommend it to everyone.

Re: Ritz Carlton Rewards

Anonymous — Tue, 15 Dec 2015 19:18:37 GMT

I'll add one thing. If you want to be able to get the travel credit in 2015, then you better apply for the card soon. Chase is notoriously slow in sending this card and you have to do the travel expense and have it post in December. Not a whole lot of leeway in terms of time.

Re: Ritz Carlton Rewards

jsucool76 — Tue, 15 Dec 2015 19:19:54 GMT

The transaction doesn't need to post. You just need to swipe the card (or key in your card # and MAKE the purchase) in 2015 for it to count for your 2015 travel credit (to my knowledge). At least that is what they told all of us in dec 2014 unless anything changed.

@DomLS3 - this thread might provide more insight into the rewards program as a whole.

http://ficoforums.myfico.com/t5/Credit-Cards/Comprehensive-Guide-to-Marriott-Ritz-Carlton-Rewards-and-Their/td-p/4100403

Re: Ritz Carlton Rewards

Anonymous — Tue, 15 Dec 2015 21:07:35 GMT

What a boatload of poor information on this thread. This is a horrible card for a starting travler! OP, just get a CSP!

Re: Ritz Carlton Rewards

Saleen099 — Tue, 15 Dec 2015 21:08:20 GMT

@Anonymous wrote:
What a boatload of poor information on this thread. This is a horrible card for a starting travler! OP, just get a CSP!

WHAT???? There's a lot of great information on this thread.

Re: Ritz Carlton Rewards

CreditCuriosity — Tue, 15 Dec 2015 21:08:56 GMT

@Anonymous wrote:
What a boatload of poor information on this thread. This is a horrible card for a starting travler! OP, just get a CSP!

It isn't poor information as we answered his question.. The bold shows your statement so much better and clear. It is clear that you don't like the Ritz we know this from other threads. We simply answered the question it is up to the OP to get what card he finds suitable for him whether it is the Ritz or the CSP or First Premiere, we just provided info. Have a nice day sir.

Re: Ritz Carlton Rewards

jsucool76 — Tue, 15 Dec 2015 21:09:20 GMT

@Saleen099 wrote:
@Anonymous wrote:
What a boatload of poor information on this thread. This is a horrible card for a starting travler! OP, just get a CSP!
WHAT???? There's a lot of great information on this thread.

That post is just saying "I don't want to pay $395, so the card is horrible for everyone."

Re: Ritz Carlton Rewards

CreditCuriosity — Tue, 15 Dec 2015 21:09:47 GMT

@Saleen099 wrote:
@Anonymous wrote:
What a boatload of poor information on this thread. This is a horrible card for a starting travler! OP, just get a CSP!
WHAT???? There's a lot of great information on this thread.

This is where FSR is hard to be especially to people that come off like this guy.

Re: Ritz Carlton Rewards

pizza1 — Tue, 15 Dec 2015 20:49:34 GMT

I feel a MOD lock coming, or at least a warning shot fired! LOL...

Im SO glad my profile will never support getting a card like this, so I don't have to worry about it, hahahaha

Re: Ritz Carlton Rewards

elim — Tue, 15 Dec 2015 21:10:50 GMT

@Anonymous wrote:
What a boatload of poor information on this thread. This is a horrible card for a starting travler! OP, just get a CSP!

I'm closing CSP and trading in for RC as soon as i can. Keeping Marriott for awhile hopefuly. Stayed in Many Marriotts/Autographs last year and plan to do the same as many years possible. If you stay at Days Inn... this isn't the card for you.

LMAO... "Just get a CSP" lol

Re: Ritz Carlton Rewards

CreditCuriosity — Tue, 15 Dec 2015 21:11:28 GMT

@elim wrote:
@Anonymous wrote:
What a boatload of poor information on this thread. This is a horrible card for a starting travler! OP, just get a CSP!
I'm closing CSP and trading in for RC as soon as i can. Keeping Marriott for awhile hopefuly. Stayed in Many Marriotts/Autographs last year and plan to do the same as many years possible. If you stay at Days Inn... this isn't the card for you.

LMAO... "Just get a CSP" lol

I love my CSP as well you would have to pry that from my dead body.. All AF cards I have serve a purpose or did serve a purpose and will either remain open or closed when they hit a year. For example the Amex Plat I got 100k MR's from and doesn't serve a purpose for me anymore thus will be closed after a year although others love it after first year due to benefits and centurion lounge etc.. The CSP/Ritz and the likes wil be around for years for me personally as the benefits outweigh the AF.

Re: Ritz Carlton Rewards

pizza1 — Tue, 15 Dec 2015 21:11:48 GMT

@elim wrote:
@Anonymous wrote:
What a boatload of poor information on this thread. This is a horrible card for a starting travler! OP, just get a CSP!
I'm closing CSP and trading in for RC as soon as i can. Keeping Marriott for awhile hopefuly. Stayed in Many Marriotts/Autographs last year and plan to do the same as many years possible. If you stay at Days Inn... this isn't the card for you.

LMAO... "Just get a CSP" lol

shoot...Id love to just have a freedom for $500, LOL..Chase hates me, and for very good reason too

Re: Ritz Carlton Rewards

jsucool76 — Tue, 15 Dec 2015 21:08:13 GMT

Just to further discredit that this card isn't good for a starting traveler....

This was the first travel card that did anything for me (this and the marriott card)

I got the marriott card with a 70,000 point signup bonus, and the ritz with 140k signup bonus.

Using only rewards and perks from these 2 cards, I booked 5 nights at the JW essex house, and bought 3 roundtrip tickets from FLL-LGA. I was given the option to upgrade to the JW terrace suite at the essex house for $200/night, (rack rate, $5,500) but kindly declined. Me, and the two people I traveled with received free breakfast in the executive lounge every morning (breakfast in the hotel restaurant is $38 + tax per person), as well as evening hors d'oeuvres (which were usually a full spread/meal if you wanted) as well as dessert, and snacks/drinks available throughout the day.

Chase also waived the fee for me on my first year because I asked nicely.

Even if they didnt, that trip alone was worth the $395 I would have paid in fees, and that is just one experience I've gotten with the card, and I didn't even touch on the lounge access, or the amazing customer service, or the great concierge, or any of the premium visa siggy benefits (primary rental car insurance).

The gold status from the card alone is worth it even if you only stay in a full service marriott a few times a year.

Re: Ritz Carlton Rewards

gdale6 — Tue, 15 Dec 2015 21:13:24 GMT

Everyone is entitled to their opinion but you are not entitled to shout in all bold letters. I have edited this to regular text and the thread will now be reopened for comments.