topic Re: Ritz vs prestige in Credit Cards

Ritz vs prestige

Skye12329 — Mon, 21 Dec 2015 00:37:57 GMT

I apologize if this has been asked already but which would you prefer?

Im not applying till next year or so, but am comparing the two cards. I'm trying to figure out which would be better for travel and hotel and customer service. The AF isn't a huge deal since you get the credits and what not. What are your opinions?

Re: Ritz vs prestige

-Cal- — Mon, 21 Dec 2015 00:55:01 GMT

If I were comparing the two, it depends on if the Ritz 140k offer comes back or not. If its available then I'd go for Ritz, otherwise I'd go for the Prestige.

Thats my personal opinion.

Prestige all the way. Ritz is a pretty useless travel car...

Anonymous — Mon, 21 Dec 2015 01:07:11 GMT

Prestige all the way. Ritz is a pretty useless travel card unless you stay a lot at Ritz.

Re: Prestige all the way. Ritz is a pretty useless travel car...

Anonymous — Mon, 21 Dec 2015 01:18:04 GMT

@Anonymous wrote:
Prestige all the way. Ritz is a pretty useless travel card unless you stay a lot at Ritz.

Re: Ritz vs prestige

Anonymous — Mon, 21 Dec 2015 01:33:28 GMT

Both!!!! Seriously though, the Prestige is the better card. I just wanted the Ritz card so I got it, but the Prestige is my go to card.

Re: Prestige all the way. Ritz is a pretty useless travel car...

CreditScholar — Mon, 21 Dec 2015 01:50:33 GMT

@Anonymous wrote:
@Anonymous wrote:
Prestige all the way. Ritz is a pretty useless travel card unless you stay a lot at Ritz.
+1

+2. The Prestige is a better overall card, while the Ritz is more of a niche product. Unless you stay at the Ritz (or stay at Marriotts enough to really benefit from gold status), its probably not worth it.

Re: Ritz vs prestige

Skye12329 — Mon, 21 Dec 2015 02:47:39 GMT

Thanks everyone! My next question is how do i redeem the TY points? Is it a portal or is it like Barclay's where its statement credit on travel? Second question is the TY points only for airfare or is it also hotel?

Re: Ritz vs prestige

Anonymous — Mon, 21 Dec 2015 02:52:04 GMT

@Skye12329 wrote:
Thanks everyone! My next question is how do i redeem the TY points? Is it a portal or is it like Barclay's where its statement credit on travel? Second question is the TY points only for airfare or is it also hotel?

The TY points system is almost identical to Chase or Amex rewards program. It's not like Barclays. Read up on it here:

https://www.thankyou.com/cms/thankyou

Re: Ritz vs prestige

Skye12329 — Mon, 21 Dec 2015 03:11:20 GMT

Thanks Irish, well i am sold. I was reading over all of the benefits and such about the card. Citi Prestige is the one i will end up going with sometime 2016.

Re: Ritz vs prestige

Anonymous — Mon, 21 Dec 2015 16:52:44 GMT

I agree with the posts above go with the prestige unless you stay at Ritz all the time. 4th night free benifit is awesome. I also use the price rewind quite a bit. You will recoup the annual fee for the Prestige really fast with the $250 air credit and 4th night benifit. Surprised you didn't throw the Amex platnium into the mix... I have been tempted to go from Prestige to platnium but so far I like the priority pass better with citi because I can bring a guest and 4th night benifit. Would rather earn mr then thank you points though... Hard decisions for sure.

Re: Ritz vs prestige

Saleen099 — Mon, 21 Dec 2015 17:01:01 GMT

@Skye12329 wrote:
I apologize if this has been asked already but which would you prefer?

Im not applying till next year or so, but am comparing the two cards. I'm trying to figure out which would be better for travel and hotel and customer service. The AF isn't a huge deal since you get the credits and what not. What are your opinions?

I would agree with everyone else go for the Citi Prestige.

http://thepointsguy.com/2014/10/ritz-carlton-rewards-card-should-it-be-in-your-wallet/

Re: Ritz vs prestige

CreditScholar — Tue, 22 Dec 2015 01:50:26 GMT

@Anonymous wrote:
I agree with the posts above go with the prestige unless you stay at Ritz all the time. 4th night free benifit is awesome. I also use the price rewind quite a bit. You will recoup the annual fee for the Prestige really fast with the $250 air credit and 4th night benifit. Surprised you didn't throw the Amex platnium into the mix... I have been tempted to go from Prestige to platnium but so far I like the priority pass better with citi because I can bring a guest and 4th night benifit. Would rather earn mr then thank you points though... Hard decisions for sure.

For some travellers it might make sense to have both, however I suspect that they will be in the distinct minority as many of the benefits overlap (such as PPS).

If you have a lot of higher end hotel stays, the Prestige and Amex Platinum can be complimentary. Amex FHR via plat for short stays (1-2 nights), with the Prestige used for long stays (4 nights). I could also see having both being beneficial to those who are based at an airport with a Centurion lounge.

Re: Ritz vs prestige

jsucool76 — Tue, 22 Dec 2015 04:10:13 GMT

Little late to this thread as I'm on a trip right now but I'll weigh in. XD

Ritz card, as previously mentioned is a bit of a niche product. Only really beneficial if you plan to stay at either Marriott or Ritz hotels. I'd the 140k offer is available though, just jump on it. The 2 free night certs will also easily recoup the annual fee.

The prestige card is, in my opinion, the strongest travel card out right now. Not to mention it offers special benefits (essentially FHR benefits) at Ritz and four season hotels when you book through the concierge.

Thank you points are worth 1.6 cents per point when redeemed for American Airlines travel, 1.33 cents per point on other air travel, and 1 cent per point when redeemed for other travel.

I'd you pair the prestige with a premier, the points will be worth 1.25 cents per point in hotels and rental cars as opposed to 1 cent with the prestige only.

Customer service and concierge are way better on the Ritz, as are some other little benefits, but the prestige definitely wins as a well rounded product.