topic Re: Chase Sapphire Reserved Vs. Ritz Carlton in Credit Cards

Chase Sapphire Reserved Vs. Ritz Carlton

trant3 — Mon, 15 Aug 2016 23:38:20 GMT

Can someone help point out key differences between the two cards (benefits)? I think I have a pretty good understanding of the Ritz but saw the hype with the CSR (reserve) and dont know too much about it. I plan on going for one of the two once the reserve is available. Thanks

Re: Chase Sapphire Reserved Vs. Ritz Carlton

hardworkrebuilding — Tue, 16 Aug 2016 00:40:40 GMT

I don't know to be certain, but I would surmise the CSR has a broader and more versatile benefit.

Re: Chase Sapphire Reserved Vs. Ritz Carlton

Anonymous — Tue, 16 Aug 2016 01:40:03 GMT

The only reason you'd go for the Ritz over the CSR is:

A) You stay on/at Ritz properties alot

B) You want the bling bling of the metal Ritz card

Re: Chase Sapphire Reserved Vs. Ritz Carlton

jsucool76 — Tue, 16 Aug 2016 02:16:29 GMT

The ritz card does not relate to Ritz hotels only. Possibly when the reserve is actually released I will make a breakdown similar to what I did for Marriott, and citi thank you as I'm sure this question will come up quite a few times, between all the "premium" travel cards.

Ritz card earns hotel specific rewards points. They're good at any marriott or ritz property. Ritz card also grants gold status (free first year, with 10k spend each year after that) or platinum status with 75k yearly spend. The marriott gold status is the real meat and potatoes of benefits, but they'll only help you out at marriott properties. (Unless you can get a status match to other hotel chains).

The CSR earns ultimate rewards points, similar to the CSP or Ink+.

Ultimate rewards points can be transferred to any of chase's partners, or be redeemed directly for travel through the ultimate rewards travel portal.

Many of the Visa benefits will be the same, however, whereas the Ritz' $300 credit is for airline purchases only, (and only specific ones at that), it's been said that the CSRs $300 credit is for ANY travel purchase.

Both will get priority pass, both will get TSA PreCheck/Global Entry Credits. Both get the $100 airline credit as Visa Infinite Cards, Both get the primary rental insurance, and blah blah blah.

The cards are different, mainly in terms of what, and how they earn rewards points.

Ultimate Rewards vs Marriott rewards points.

Ultimate rewards are substantially more flexibile, however, if you enjoy hotel elite status the ritz card is among the best hotel cards out there in terms of pure bang for your buck.

To learn more about the marriott rewards program check out my post describing it, an the different card options.

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

Re: Chase Sapphire Reserved Vs. Ritz Carlton

Kenro — Tue, 16 Aug 2016 02:17:41 GMT

Only reason why you would use ritz is because its full metal against Reserve. We've had discussion in other thread, Reserve gets you more % return even at marriot stays rather than RItz card.

Re: Chase Sapphire Reserved Vs. Ritz Carlton

jsucool76 — Tue, 16 Aug 2016 02:23:46 GMT

These cards are in NO way direct competitors, and comparing them to each other SOLELY on points earning is a flawed technique.

The benefits given to you by marriott gold status (or platinum if you spend that much) easily add another $1000+ in value to the card (and can increase substantially based on your annual nights spent at marriott properties).

You are all more than welcome to your opinions, and the CSR might be a better card for plenty of people, but spewing out the same half of a story in every post keeps pertinent information from making it to members who could potentially get a ton of value out of tons of credit cards.

If we based everything SOLELY off of points earnings, no one would apply for any benefit heavy credit card. The real comparison here would be CSR, vs Amex Plat, vs Citi prestige.

Re: Chase Sapphire Reserved Vs. Ritz Carlton

Kenro — Tue, 16 Aug 2016 02:24:22 GMT

Way it works is that Ritz is a great card to spend 10k annually (ritz/marriot gold) and forget about its existance for the rest of the year.

Day to day spending Ritz cant even compete with CSP let alone Reserve.

Re: Chase Sapphire Reserved Vs. Ritz Carlton

elim — Tue, 16 Aug 2016 02:25:44 GMT

@Kenro wrote:
Only reason why you would use ritz is because its full metal against Reserve. We've had discussion in other thread, Reserve gets you more % return even at marriot stays rather than RItz card.

Do what now? Can you explain? I can't see the math after the first stay (and $300 credit). I made more than $300+ back on RC my first stay alone on RC.

Re: Chase Sapphire Reserved Vs. Ritz Carlton

elim — Tue, 16 Aug 2016 02:28:27 GMT

@Kenro wrote:
Way it works is that Ritz is a great card to spend 10k annually (ritz/marriot gold) and forget about its existance for the rest of the year.

Day to day spending Ritz cant even compete with CSP let alone Reserve.

You use RC at Marriotts for 10k+ per year. That is how it's done. It is NOT a daily driver silly It's a Marriott card.

Re: Chase Sapphire Reserved Vs. Ritz Carlton

Kenro — Tue, 16 Aug 2016 02:30:16 GMT

@elim wrote:
@Kenro wrote:
Only reason why you would use ritz is because its full metal against Reserve. We've had discussion in other thread, Reserve gets you more % return even at marriot stays rather than RItz card.
Do what now? Can you explain? I can't see the math after the first stay (and $300 credit). I made more than $300+ back on RC my first stay alone on RC.

At Ritz Carlton with Club upgrade and 100$ credit Ritz still wins. At Marriot none of these benefits apply, I don't remember word for word but CSR gets more value because basic marriot membership + 3 UR points is worth more than marriot gold + 5 Marriot/Ritz points. I think it was like 6 vs 8 percent.

Re: Chase Sapphire Reserved Vs. Ritz Carlton

jsucool76 — Tue, 16 Aug 2016 02:30:27 GMT

@Kenro wrote:
Only reason why you would use ritz is because its full metal against Reserve. We've had discussion in other thread, Reserve gets you more % return even at marriot stays rather than RItz card.

This is just plain false.

I can easily get 1.5CPP with marriott points. I earn 18 points per dollar. On a $100 hotel stay, I earn 1800 points. at a value of 1.5CPP we get $27 back

At a VERY generous valuation of even 3CPP on chase UR points, earning 3 points per dollar, and assuming you are a standard marriott member, you'll earn 1000 points back from marriott, valued at 1.5CPP, earning $15, plus 300 ultimate rewards points, earning $9 there.

Ritz carlton card - $27

CSR card - $24

While these values can be greatly changed based on whether or not you have hotel elite status, many on this board will not maintain marriott elite status withut the ritz card.

Feel free to check my math, I've been wrong before.

Re: Chase Sapphire Reserved Vs. Ritz Carlton

jsucool76 — Tue, 16 Aug 2016 02:49:41 GMT

@Kenro wrote:
@elim wrote:
@Kenro wrote:
Only reason why you would use ritz is because its full metal against Reserve. We've had discussion in other thread, Reserve gets you more % return even at marriot stays rather than RItz card.
Do what now? Can you explain? I can't see the math after the first stay (and $300 credit). I made more than $300+ back on RC my first stay alone on RC.
At Ritz Carlton with Club upgrade and 100$ credit Ritz still wins. At Marriot none of these benefits apply, I don't remember word for word but CSR gets more value because basic marriot membership + 3 UR points is worth more than marriot gold + 5 Marriot/Ritz points. I think it was like 6 vs 8 percent.

While the club level upgrade certificates and $100 hotel credit don't apply, the marriott gold status gets you automatic club level access at ANY full service marriott with a lounge, anywhere in the world. This is where hotel elite status value comes into play.

Breakfast in a full service hotel can range from $20-$50+ dollars. You get it for 2 people, every day of your stay. Figure $30 per person, 2 people, 5 night stay.

thats $60/day, for 5 days. $300

But wait, the lounge also serves snacks, has free soft drinks, some have free alcohol, serves a small meal at night, as well as dessert. Call that, conservatively an extra $10/day/person. So now we're looking at $80 a day, for 5 days, plus $20 for the first night.

$80*5=$400, plus the extra $20, is $420

But the first day shouldn't count for the full $20, because you weren't there as long as you would be. And neither should the last day. But oh, wait, the hotel let you check in at 9AM, and then also let you check out at 4PM, because you have elite status.

Oh, and your room you paid $100 for...well they upgraded you to an executive suite, the rack rate for which is $250/night.

#Value

Re: Chase Sapphire Reserved Vs. Ritz Carlton

ddemari — Tue, 16 Aug 2016 03:51:16 GMT

the ritz card is great if you stay at their properties and utilize marriott rewards. someone who is staying at a ritz property 15-20 times a year is someone who is putting a large spend on that card. the points rack up fast if you travel a lot. otherwise its a nice card card with a 300 travel credit, which i have always been able to use no problems.

Re: Chase Sapphire Reserved Vs. Ritz Carlton

awp317 — Tue, 16 Aug 2016 03:54:46 GMT

IM trying to decide whether to keep my ritz or not. I do stay there whenever I can. IM applying for the CSR no question. What is the question is whether I'm at my internal limit or not with chase. IM going to kill off my CSP no matter what. Would be really nice to get another 25k approval with the CSR and move over the 25k to CSP and have two 50k limit chases lol. but 900 a year in AF is really tough to swallow.