Teddy was approved for the Chase Ritz Carlton 140,000 bonus points offer. I really didn’t give this card much thought because of the high $395 annual fee. However, we have our upcoming trip to Italy in April for 2 weeks and we’re looking to stay on the cheap. I didn’t realize that you could provide your Marriott rewards number on the application and spend your 140,000 Ritz Carlton bonus points at Marriott properties!
The Ritz Carlton 140,000 signup offer is 2.8x better than the current Marriott Rewards 50,000 bonus offer. The big difference between the two cards is the annual fee. The Marriott Rewards comes with a $0 annual fee, while the Ritz Carlton 140,000 bonus points offer comes with a $395 annual fee which is not waived the first year. The Ritz Carlton does come with a $300 airline reimbursement credit which can easily bring the annual fee down to just $95. In my opinion, the extra 90,000 points is worth the $95.
Chase Ritz Carlton benefits
- 140,000 bonus points as a welcome offer
- $300 annual travel credit
- Use bonus points to book Marriott hotel stays
- $100 hotel credit on paid stays of 2 nights or longer
As mentioned above, the Ritz Carlton card does come with a $395 annual fee. However, you can earn a $300 statement credit by purchasing airline gift cards, which brings the annual fee down to $95. There are plenty of data points online to confirm buying Delta gift cards will trigger the travel credit! Since Teddy and I fly Delta, this was an easy way to justify paying the $395 annual fee.
Chase Marriott Rewards benefits
- 50,000 bonus points as a welcome offer
- $0 annual fee, then $85
- 1 annual free night upon renewal in a category 1-5
Marriott booking example
With 140,000 Ritz Carlton points, I started looking at Marriott hotels in Italy to see how many nights we can get for free. Teddy and I will be flying into Rome, but we’ll also be visiting Florence, Venice and Milan.
I can book 4 nights at the Milan Marriott Hotel for a grand total of 140,000 points.
If we were to pay for 4 nights at the Milan Marriott Hotel, it would cost roughly $1,800 once you convert Euros to US dollars!
Even though we will have to pay $395 up front on the Ritz Carlton card to get the bonus points, we’ll purchase $300 in Delta gift cards to get reimbursed by Chase. We’ll then use our 140,000 Ritz Carlton bonus points at a Marriott property to maximize the use of our points. Travel more. Pay less!
Run the numbers
- $395 annual fee – $300 in travel reimbursement = $95 annual fee
- We’ll use our 140,000 Ritz Carlton bonus points to book 4 nights free at a Marriott property. This would normally cost $1,800 out of pocket.
- $1,800 – $95 = $1,705 signup bonus!
It’s important to look at each signup bonus to see how you can maximize your earnings. Teddy and I have no interest in staying at a Ritz Carlton property, but after discovering that you can use your points to book free nights at Marriott properties, we were all over this card!