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Difference in Ritz and Marriott?

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Creditaddict
Legendary Contributor

Difference in Ritz and Marriott?

I mean I feel like I know the answer but someone please confirm...

 

Rewards for things charged are the same right?

 

The differences are in the Marriott free annual night?

 

vs.

 

Ritz free upgrades each year and $400 travel incidental credits?

Message 1 of 44
43 REPLIES 43
Kenny
Moderator Emeritus
Message 2 of 44
Creditaddict
Legendary Contributor

Re: Difference in Ritz and Marriott?


@Kenny wrote:
http://ficoforums.myfico.com/t5/Credit-Cards/Comprehensive-Guide-to-Marriott-Ritz-Carlton-Rewards-an...

This is pretty informative.

That's AMAZING!

 

Thank you

 

So to sum it up I should keep my Marriott Premier for the free night but should be doing all my spending through the Ritz not the Marriott Card (crap, just charged our $3400 Costa Rica stay on Marriott!)

Message 3 of 44
jsucool76
Super Contributor

Re: Difference in Ritz and Marriott?


@Creditaddict wrote:

@Kenny wrote:
http://ficoforums.myfico.com/t5/Credit-Cards/Comprehensive-Guide-to-Marriott-Ritz-Carlton-Rewards-an...

This is pretty informative.

That's AMAZING!

 

Thank you

 

So to sum it up I should keep my Marriott Premier for the free night but should be doing all my spending through the Ritz not the Marriott Card (crap, just charged our $3400 Costa Rica stay on Marriott!)


Depends what you're looking for. Marriott card will give you an elite night credit for each 3k spent. Ritz will give you a 10% bonus on all points earned at the end of the year. 

 

 

Message 4 of 44
Creditaddict
Legendary Contributor

Re: Difference in Ritz and Marriott?

Now who can tell me if it would pay off better to use AA and Marriott moving forward VS. Citi Double Cash, Fidelity, AARP for restaurants!?

Lets say $2000 general spend and $1k restaurant spend a month.

Message 5 of 44
Anonymous
Not applicable

Re: Difference in Ritz and Marriott?

AA if you eat at restaurants with bonus pts.

Message 6 of 44
jsucool76
Super Contributor

Re: Difference in Ritz and Marriott?


@Creditaddict wrote:

Now who can tell me if it would pay off better to use AA and Marriott moving forward VS. Citi Double Cash, Fidelity, AARP for restaurants!?

Lets say $2000 general spend and $1k restaurant spend a month.


Well, do you want points and miles, or cash back. 

 

No point in breaking up spend between fidelity amex and double cash, as fidelity amex has a minimum redemption amount. 

 

Points and miles CAN be worth more than straight cash back, if you're going to put them to use. If you don't have patience to follow all of it then just use cash back. 

Message 7 of 44
Creditaddict
Legendary Contributor

Re: Difference in Ritz and Marriott?


@jsucool76 wrote:

@Creditaddict wrote:

Now who can tell me if it would pay off better to use AA and Marriott moving forward VS. Citi Double Cash, Fidelity, AARP for restaurants!?

Lets say $2000 general spend and $1k restaurant spend a month.


Well, do you want points and miles, or cash back. 

 

No point in breaking up spend between fidelity amex and double cash, as fidelity amex has a minimum redemption amount. 

 

Points and miles CAN be worth more than straight cash back, if you're going to put them to use. If you don't have patience to follow all of it then just use cash back. 


we just did costa rica flying for free and hotel for free... im learning the benefit of points/miles vs cash!!!

 

Marriott earns 2 points at Restaurant, you think AA is more valuable at restaurant?

 

how would i split spend between these 2 types of cards?

 

Message 8 of 44
Anonymous
Not applicable

Re: Difference in Ritz and Marriott?

You are flying which airline to Costa Rica? Cabin? Approximate value per mile/point?
Message 9 of 44
jsucool76
Super Contributor

Re: Difference in Ritz and Marriott?


@Creditaddict wrote:

@jsucool76 wrote:

@Creditaddict wrote:

Now who can tell me if it would pay off better to use AA and Marriott moving forward VS. Citi Double Cash, Fidelity, AARP for restaurants!?

Lets say $2000 general spend and $1k restaurant spend a month.


Well, do you want points and miles, or cash back. 

 

No point in breaking up spend between fidelity amex and double cash, as fidelity amex has a minimum redemption amount. 

 

Points and miles CAN be worth more than straight cash back, if you're going to put them to use. If you don't have patience to follow all of it then just use cash back. 


we just did costa rica flying for free and hotel for free... im learning the benefit of points/miles vs cash!!!

 

Marriott earns 2 points at Restaurant, you think AA is more valuable at restaurant?

 

how would i split spend between these 2 types of cards?

 


AA miles are definitely worth more than marriott points in many cases. If you plan on investing in these two programs, stick to em and just rack up points. Marriott points can be valuable depending on the redemption (like any other currency). Sometimes it is just better to pay cash than use points. 

 

Make sure you're signed up for the AA dining program and look for restaurants near you. You can add ALL of your credit cards to your AA dining profile, not just your AA card, so you can earn points in multiple programs by using your marriott card and the AA dining program at a participating restaurant. 

Message 10 of 44
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