Chase Sapphire Preferred and Chase Ritz Carlton Card Comparision Review

The Chase Sapphire Preferred has a higher redemption value, but the sign-up bonus for the Chase Ritz Carlton Card is worth more.

Chase Sapphire Preferred

5 / 5

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on Chase's secure website

Card Details

The Chase Sapphire Preferred has an average interest rate, an average annual fee, and a high redemption value compared to similar cards. It's great for All Rewards and Travel Rewards.

Reward Program

Chase Ultimate Rewards

View program details
Redemption Value 1.3 per point on Flights
How it earns
2x points
  • Travel & Transport
    Travel & Transport
  • Flights
    Flights
  • Hotels
    Hotels
  • Food & Drink
    Food & Drink
  • Car & Truck Rental
    Car & Truck Rental
1x point
  • All purchases
    All purchases
One-Time Bonus
50,000 Chase UR Points
after spending $4,000 in the first 90 days
That's 625.00 in rewards when redeeming on flights, hotels, car rentals, travel
Other info
Credit Needed Excellent
Annual Fee $95, waived for the first 12 months
APR 16.24% - 23.24% variable
Intro APR No Introductory APR
Foreign Transaction Fee 0%
Benefits
  • No Foreign Transaction Fees
  • Purchase Protection
  • Return Protection
  • Price Protection
  • Fraud Protection
  • Extended Warranty
  • Travel Accident Insurance
  • Trip Interruption Insurance
  • Car Rental Insurance
  • Baggage Insurance
  • Travel & Emergency Assistance
  • Roadside Assistance
  • 24/7 Cardholder Support

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Chase Ritz Carlton Card

2 / 5

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on Chase's secure website

Card Details

The Chase Ritz Carlton Card has an average interest rate, a high annual fee, and a low redemption value compared to similar cards. It's great for All Rewards and Hotel Rewards.

Reward Program

Ritz-Carlton Rewards

View program details
Redemption Value 0.7 per point on The Ritz-Carlton
How it earns
5x points
  • Marriott Hotels & Resorts
    Marriott Hotels & Resorts
  • Starwood Hotels & Resorts
    Starwood Hotels & Resorts
  • Aloft
    Aloft
  • Four Points
    Four Points
  • Sheraton
    Sheraton
  • W Hotels
    W Hotels
  • Le Meridien
    Le Meridien
  • The Luxury Collection
    The Luxury Collection
  • Element
    Element
  • Westin
    Westin
  • St Regis
    St Regis
  • Tribute Portfolio
    Tribute Portfolio
  • Design Hotels
    Design Hotels
  • JW Marriott Hotels & Resorts
    JW Marriott Hotels & Resorts
  • The Ritz-Carlton
    The Ritz-Carlton
  • Edition Hotels
    Edition Hotels
  • Autograph Collection Hotels
    Autograph Collection Hotels
  • Courtyard by Marriott
    Courtyard by Marriott
  • SpringHill Suites
    SpringHill Suites
  • TownePlace Suites
    TownePlace Suites
  • Fairfield Inn & Suites
    Fairfield Inn & Suites
  • Marriott Vacation Club
    Marriott Vacation Club
  • Renaissance Hotels
    Renaissance Hotels
  • AC Hotels
    AC Hotels
  • Gaylord Hotels
    Gaylord Hotels
  • Moxy Hotels
    Moxy Hotels
  • Residence Inn
    Residence Inn
  • Delta Hotels by Marriott
    Delta Hotels by Marriott
  • Protea Hotels by Marriott
    Protea Hotels by Marriott
  • Marriott Executive Apartments
    Marriott Executive Apartments
  • ExecuStay by Marriott
    ExecuStay by Marriott
+ up to 10 additional points for being a Ritz-Carlton Rewards member
2x points
  • Flights
    Flights
  • Food & Drink
    Food & Drink
  • Car & Truck Rental
    Car & Truck Rental
1x point
  • All purchases
    All purchases
One-Time Bonus
2 Free Nights at Ritz-Carlton
after spending $4,000 in the first 3 months
Recurring Bonus
10% Rebate on all rewards points earned
each year
Other info
Credit Needed Good
Annual Fee $395
APR 16.24% - 23.24% variable
Intro APR No Introductory APR
Foreign Transaction Fee 0%
Benefits
  • No Foreign Transaction Fees
  • Purchase Protection
  • Price Protection
  • Trip Interruption Insurance
  • Car Rental Insurance
  • Baggage Insurance
  • Global Entry or TSA PreCheck

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