Posted by William Charles on December 15, 2014
Credit Cards

Published on December 15th, 2014 | by William Charles

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Chase Ritz-Carlton 140,000 Point Offer Is Back, Annual Fee Of $395 Not Waived

The Offer

Direct link to offer

  • Receive 140,000 Ritz-Carlton points (which can be used as Marriott points) when you spend $3,000 or more within three months. If the direct application link doesn’t work, then calling and using the code “FBBF”

chase ritz carlton

Card Benefits

  • Lounge club access for you and a guest at no cost
  • Gold elite status for you first year and subsequent years if you spend at least $10,000 per year
  • Platinum status if you spend $75,000 or more in one year
  • J.P. Morgan Premier Concierge
  • Primary rental coverage
  • Free roadside assistance
  • Visa signature benefits (requires you to be approved with a credit limit of $5,000 or above)
  • 10% annual points premium on all points earned through card purchases during the year
  • 3 upgrades to Ritz-Carlton Club® Level on paid stays of three nights or longer
  • $300 annual travel credit
  • $100 hotel credit on paid stays of two nights or longer

Our Verdict

Ask for expedited shipping.

You’ll want to receive this card before the end of the year due to the annual travel credit being on a card member year. Chase will expedite shipping of your card and it’ll arrive in 1-2 days, all you need to do is ask.

Last time this was offered the spending requirement was $2,000 instead of $3,000. I procrastinated and couldn’t decide which version of the offer I preferred (there was a 70k version with no annual fee). This time I’m going to pull the trigger and here is why:

  • The annual travel credit is given on a calendar basis, meaning I can get at least two of these and pay only one annual fee. I might actually be able to get a third depending on how lenient the customer service representatives are.
  • The annual travel credit triggers on some gift card purchases, meaning I can just resell these giftcards and make a profit on the annual fee. Note: United gift cards don’t seem to trigger this bonus
  • 140,000 points is a lot and whilst I generally don’t value Ritz-Carlton or Marriott points that highly they’ll come in handy when I can’t find anything else suitable, as long as I can get 0.35¢ value I am looking at a $500 sign up bonus on the points alone. Keep in mind I’ll also be turning a profit on the airline credit and the other benefits such as lounge club access might come in handy (although I have so much lounge club access already I don’t know how useful this will be).

This offer is definitely not for everybody, but it’s the highest this card goes so it’s definitely something that’s worth considering. It’ll be interesting to see if the no annual fee 70,000 point offer also becomes available, which will probably be a better option for most people unless you value the points at 0.564¢ per point or more.

One of the other uses of these points to consider is using them for Marriott Travel Packages. You’d need to get at least two of these cards to successfully do this, but you could score yourself several nights and airline miles as well. The sweet spots in the 280,000 point and under range are:

  • 7 nights at category 7 and 77,000 airline miles: 260,000 Marriott Points
  • 7 nights at category 6 and 110,000 Miles: 280,000 Marriott Points
  • 7 Nights at category 1-5 and 132,000 Miles: 280,000 Marriott Points

The above is when you redeem for United miles. The other airline partners have different rate tables which you can view here. I’ve personally got way too many airline miles already, so I’m just going to keep them as hotel points for now instead.

I hope to have our full Chase Ritz-Carlton review up sometime this week with more information about this card and my thoughts on all of the benefits and uses of the sign up bonus. I’ll be sure to update this post when that goes live.

Useful posts:

Hat tip to Lazy Travelers, who incidently also alerted us to  the last 140k offer



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Jordan
Jordan

Got this card last time the 140k offer was available. I find it to be a great value. Where would you recommend selling your airline giftcards? I have 800.00 in AA egift cards I would like to sell but don’t really see a market for them on ebay or cardpool.

Parkerthon
Parkerthon

If you call customer service for any online e giftcard purchases right after purchase and even larger amounts(I did 100 last time) they will credit your account no questions asked. Very good direct customer service reps.

Dan P
Dan P

For the hotel/flight package, can I combine my 70k Marriott points, my wife’s 70k Marriott points and the 140k Ritz Carlton points all into one lump 280k payment? If so I will definitely be going for this card.

Parkerthon
Parkerthon

Unfortunately Chase won’t let you have both Marriott card and this card at same time.

Dan P
Dan P

According to this comment on Million Mile Secret’s post about this card in August, that is not true — you can have both cards and you don’t even need to convert your Marriott account to a Ritz account.

http://millionmilesecrets.com/2014/08/27/do-you-know-about-the-140000-points-ritz-carlton-card/comment-page-1/#comment-2668048

DavidNJ
DavidNJ

I’ve heard that you need to cancel your Marriott Rewards account and open a Ritz-Carlton account before you get this card? Do you know if that is true? I’m getting this card and sitting on the points for a year until my Southwest companion pass expires @ the end of 2015. I’ll do a Marriott vacation package w/ the 100K – 120K SW points to get the companion pass for another 2 years. Thanks for the heads up!!!

Parkerthon
Parkerthon

You can call Marriott Rewards customer service and request to have your rewards program flipped to Ritz Carlton. It’s a very simple, quick, and painless process and there’s no change to your benefits or eligibility with Marriott, all that changes it the marketing/promos they send to you or the rewards portal appearance and info. I’ve read people didn’t even have to do that and still got the points, but I wouldn’t chance it. I flipped my membership back to Marriott after getting the points and the Gold status.

You might confused with reading that you cannot have both credit cards at once(Marriott and Ritz Carlton). Chase(or Marriott?) won’t let you do that apparently.

DavidNJ
DavidNJ

Just applied and received immediate approval. Will now have 320K points between my account & Wife’s. Is there a specific phone # to expedite shipping of the card?

Buffy

Whoa, whoa, get out the way with that good inoaomftirn.

James from BNA
James from BNA

William, this is awesome, thanks.

Can I get approved for another Chase card on the same day, or does the Ritz Carlton “count” as my Chase card on this round of applications?

itsme
itsme

I have had both cards at the same time and got rewards points for both. Did not have to cancel or change anything.

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[…] of Credit finds the 140,000 Ritz-Carlton Rewards card offer available (requires $3000 spend within 3 […]

John
John

just got approved for this card, I have some questions regarding the $200 airline reimbursement, your help is greatly appreciated:

1. Where did you buy the e-gift cards so that it would be eligible and count for reimbursement by Chase? (e.g: AA.com, Southwest.com or from any particular store for physical giftcards?).

2. What did you say/write to the Chase agent when calling on phone or secure message to ask for reimbursement? Would you please write down what did you say/write. I am just concerned if I just said “please reimburse my airline purchase dated xx/xx/xx” and then they asked “please specify what kind of airline purchase is it?”…….certainly we cannot say “it’s for gift card” as it would make it ineligible for reimbursement. But if we said “airline fee”, would Chase agent can see the details of the purchase and what we bought in their system?

3. Some mentioned the “double dip” for the airline gift cards and keep the purchase of two gift cards under $95 each or $75 each. What is the purpose of that? can you please explain and elaborate. Why not buy $200 in one go since that’s the maximum amount that eligible for reimbursement in a calendar year.

Sorry for asking a lot of questions, hope you can answer each of my questions as it really means a lot for me and I really appreciate it if you could please help. Thank you so much in advance.

afrugal1
afrugal1

$200? I just opened my welcome kit and it says $300 annual travel credit. ??? Beyond that, I too would like to know the specifics around airline gift card purchases.

afrugal1
afrugal1

BTW, the odd purchase amounts are meant to mirror the cost of specific expenses [ie a one-day lounge pass]. This would theoretically make it easier for a customer to explain the nature of the expense to a Chase CSR when seeking reimbursement.

afrugal1
afrugal1

One (1) day Admirals Club pass is $50.00. I used the card to buy two (2) $150 AA e-cert gift cards. When seeking reimbursement for $300.00 airline fees, if asked, I will say that I bought three (3) one (1) day passes for my son and daughter as stocking stuffers 🙂

Jonathan
Jonathan

fyi, I asked for expedited shipping but apparently they only do it once “the account # has been setup”, which takes about 3 business days, so you need to call back after 3 days have passed to request that the card be expedited at that point.

Quesiton, do you know, does the $300 reimbursement need to take place in 2014, for it to count toward the 2014 credit, or is it enough that the purchase took place in 2014? I think i can get the fee in before 2015, but im not sure that the transaction will actually post until 2015. if it doesnt post I wouldnt think they could give me a credit for it, right?

Jonathan
Jonathan

nevermind the question, just saw your faq. thanks. the expedited shipping point, still applies though.

ABC
ABC

Applied, but pending. What number would you call?
I would of course want the card by the end of the year….

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[…] case you didn’t know the Chase Ritz-Carlton Card is now offering a 140,000 point sign up bonus after you spend $3,000 within … (the bonus is usually 70,000 points but has gone up to 140,000 before. It also sometimes has 70,000 […]

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