Posted by William Charles on July 6, 2018
Credit Cards

Published on July 6th, 2018 | by William Charles

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Chase Ritz-Carlton & Marriott Personal & Business Changes

Chase has confirmed a number of changes to the Ritz-Carlton card and the Marriott business card. These changes will go into affect on August 26th. Let’s dive in.

Ritz-Carlton

  • Card will earn at the following rates:
    • 6 points per dollar at Marriott properties, including SPGs and Ritz-Carltons (currently 5x)
    • 3 points per dollar at restaurants, car rental companies and airline tickets purchased directly from airlines (currently 2x)
    • 2 points per dollar on all other purchases (currently 1x)
  • Addition of a free night certificate that can be used on properties costing up to 50,000 points per night
  • Card will offer automatic gold status (previously you needed to spend $10,000)
  • Removal of 10% annual points boost

All other benefits on the card will be staying the same. Getting gold status automatically seems like an upgrade, but under the new program old gold status is really Platinum status so it’s a downgrade.

Chase Marriott Business Card

  • Name of the card is being changed to Marriott Premier Plus Business card. Looks like it won’t be a new card launched, the name on the current card will just change instead.
  • Card will earn at the following rates:
    • 6 points per dollar at Marriott properties, including SPGs and Ritz-Carltons (currently 5x)
    • 4 points per dollar at gas stations and restaurants, and for shipping, internet, cable and phone services purchases (new categories)
    • 2 points per dollar on all other purchases (currently 1x)
  • Free night certificate that can be used on properties costing up to 35,000 points per night (currently it can be used on category 1-5 properties. That maps over to this same value)
  • Earn gold status by spending $35,000 in a card member year (previously $50,000)
  • Removal of 1 elite night credit for every $3,000 in purchases
  • 15 elite night credits every year from 2019 onwards (this can’t be stacked if you have multiple SPG/Marriott cards. Most of these cards will come with this benefit, but if you have say the Marriott business & personal you’ll only receive a total of 15 elite night credits and not 30)

Chase Marriott Personal Card

  • Free night certificate that can be used on properties costing up to 25,000 points per night (currently it can be used on category 1-5 properties. This maps over to 10,000 less points in value)

Our Verdict

When Chase talked about exciting changes to the Ritz-Carlton card I was kind of expecting more to be honest. I had hopes there would be a reasonable spend requirement for Platinum status, but that remains at $75,000. The Marriott personal card is getting worse with that free night certificate and I’d suggest most people will struggle to redeem a free night certificate up to 25,000 points. The removal of the elite night credit after $3,000 in spend on the Marriott business card will also hurt some people. Let me know your thoughts in the comments below. I’d also be surprised if the Marriott personal card doesn’t also see the spend $3,000 get an elite night credit removed, but seemingly no announcement yet?

 



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Daniel
Daniel

Have a question about the points on my SPG card, what the rate would be for the billing cycle cross August 1st? 3 or 2?

jimmyg
jimmyg

various people that have spoke with amex say purchases made today through 7/31 = 1 spg or 3 marriott. 8/1 through future = 2 marriott, regardless of when your statement ends.

Daniel
Daniel

Cool, Thanks

Blue
Blue

There was an edge case for the Marriott biz card as an MS vehicle and this hurts it quite a bit.

More interesting, I think, is what this might tell us about the fate of existing travel packages. The way to bet now is that the package will convert to a Free Night Award at the point value of the package. Hopefully they give some heads up on this for people who need to move them up or down a category (e.g., I have a Cat 8 which would be 40K and I’m using it on a new Cat 5 which will be 35K).

P
P

Of these three, I only have the Marriott Business and annual fee gets charged on 8/1. That’s $99. I wonder if they’ll credit me $4 annual fee difference on 8/26. Not that it matters because with the changes above – specially removal of elite night credit per $3k spend – it’s pretty much sock drawer card and I’ll be canceling it. This was good when you’re short a few nights to reach the next level.

These Chase co-branded cards – not just the Marriott ones – seem to be getting worse. By the end of the year, I might just end up with only two co-branded Chase card – Amazon (oldest card) and Hyatt.

shipitkthx83
shipitkthx83

Does the $75k Spend on the Ritz card earn Platinum Elite or Platinum Premier Elite under the new program?
I currently have Marriott Platinum status from it which will give me Platinum Premier Elite on 8/1. If spending $75k will only get you Platinum Elite in the new program that’s a pretty big devalue.

J
J

Will the Ritz card still offer club upgrade certificates? Will the annual fee of the business Marriott card change from $99 to $95 to match Amex Spg business card?

Brian
Brian

Any rumors (from a credible source) about changes to sign up bonus?

sdsearch
sdsearch

Actually, I’d say there is a good reason to suspect that the ability to sign up for these cards might totally disappear at some point (as soon as sometime in August?), because it was previously announced that only Amex, not Chase, would have the right to “market” business and high-end cards for the new program. (Chase only retains the right to market non-high-end personal cards for the new program.) And it will be a new program come August.

So there’s a chance that current sing-up bonus for each might be the last one ever, perhaps?

And I don’t think Chase has necessarily given much notice of disappearance of cards (in terms of being able to apply for them) in the recent past, have they? It wasn’t that long after they announced the new Marriott personal card with the $95 AF that they discontinued applications for the old Marriott personal card with the $85 AF. So I wouldn’t necessarily expect much if any advance notice of discontinuation of the ability to apply for the Rtiz and or the Marriott business card. if and when that happens.

CongestionCharge
CongestionCharge

Dude you had it spot on

Aaron N.
Aaron N.

When you say “Marriott Personal Card” I assume you mean the old Marriott Rewards $85 card, and not the new “Marriott Premier Plus” $95 card?

S
S

Will I be able to combine points with the certificate to upgrade the 50 k annual cert? Can I combine certificates from multiple amex spg and Chase Marriott to upgrade a category?

Miles
Miles

No elite qualifying nights for the Ritz? Also, is there a source URL for the changes?

Dan
Dan

so the ritz card free night certificate is an annual thing? no spending required? can you add that

Don
Don

I had thought about getting one of these cards, but now I am not as interested. Unless they offer a mega sign up bonus it doesn’t seem to be worth it.

mjs
mjs

Is the Ritz free night good on any Marriott/SPG property up to 50k, or only a Ritz to that level?

Interestingly, there is zero I see related to the Ritz card that is Ritz-specific. They might as well call it a Platinum Marriott Card.

Maybe a good sign the business and Ritz cards might stay out of becoming 5/24 cards for awhile longer, since there isn’t much redone on either card?

Miles
Miles

The Ritz card includes “club upgrades” that are only good at Ritz Carltons. But otherwise, I would agree.

Kevyx72
Kevyx72

Theres also the $100 hotel credit when you book rack rate for 2 night with ritz card. Overall I still think ritz card is the better counterpart of the spg luxury though since it still offers more (club upgrade cert which is kinda useless, $100 off domestic flight portal 300 travel credit vs 300 marriott credit on spg luxury card)

Hadley V. Baxendale
Hadley V. Baxendale

But, spending the $300 travel credit on the Ritz is much more difficult than the reported $300 spend on the SPG Luxury, which is rumored to be simply a $300 credit towards any spend — including room rate — at any Marriott/SPG family property.

Miles
Miles

Maybe — depends your preference, I guess. The Ritz travel credit can be used towards things like in-flight wifi.

Matt Katakis
Matt Katakis

Unless something has changed, I’ve always had an easy time using it for airfare and the submitting for reimbursement via SM.

mjs
mjs

…or American Airlines e-gift cards in amounts that are equivalent to specific fees

Chris
Chris

Any word on what the sign up bonus nights will convert to? I.e. do we have confirmation that the current Tier 1-4 will translate to a free night award at any hotel that costs 60k points or less?

Also, have we heard anymore about the rumor that existing Ritz cardholders will be unable to get the sign up bonus on the Amex SPG Luxury card?

fred
fred

So, what happens with my status if I already have put $10K in spend on the card this year? Will I be platinum in 2019, or am i just screwed? Note: my annual fee comes due in late-December, so I am already platinum status for the remainder of 2019 based on the gold-to-platinum conversion occurring in August through the end of the year.

Mark
Mark

Can you product change from personal Marriott to ritz Carlton?

Saf
Saf

It was possible to go from Ritz to Marriott, so I don’t see why this wouldn’t be possible.

Frogger
Frogger

Why would you do this. Ritz is not 5/24. You would be losing out on sign up bonus

J
J

To avoid Chase shutdown?

Mark
Mark

Yes, I already have 7 chase cards and don’t want eyes on my account.

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