UNBOXING The Ritz Carlton Credit Card (and how you can too!)

Рет қаралды 19,969

Күн бұрын

I just product changed my Chase Marriott Bonvoy credit card into the Chase Ritz Carlton card, and today we're going to do an unboxing of this card!
Since this is a secret credit card that you can no longer apply for, I'll also explain how you can get this card, the main features of this card, and why I decided to get it.
Now as you can’t apply directly for the Ritz Carlton card, there’s no sign-up bonus either, but you can still get a sign-up bonus while on the path to get this card since you need to have one of the following cards first: The Marriott Bonvoy Bold card, the Marriott Bonvoy Boundless card, or the Marriott Bonvoy Bountiful card.
The best card to get first, in my opinion, is the Marriott Bonvoy Boundless card which usually has a great sign-up bonus for a very modest $95 annual fee.
Now in order to product change into this card, you must have had this card open for at least 1 year, and the card must have at least $10,000 in credit limit since it's a VISA Infinite card.
The Chase Ritz Carlton card is a luxury hotel credit card with an annual fee of $450 and comes with loads of luxury benefits, including an 85k free night award after your first cardmember anniversary.
If you can value the full $300 airline incidental credit, this cuts down the effective annual fee to just $150!
I hope that you enjoy the unboxing of the Chase Ritz Carlton card!
--
Relevant Referral Links:
🏨 Chase Marriott Bonvoy Credit Cards: www.referyourchasecard.com/25...
👉 How to Get 4 Marriott Free Night Awards EVERY YEAR (with Credit Cards): • How to Get 4 Marriott ...
--
CONNECT with me:
▶️ SUBSCRIBE to my channel!: / @thecreditfrog
👉 JOIN our membership!: www.youtube.com/@thecreditfro...
📸 Instagram: / thecreditfrog
✅ Referral Links: thecreditfrog.com
Chapters:
00:00 Intro
00:29 How to get the Chase Ritz Carlton Card
02:24 Ritz Carlton Card Overview
04:06 Why I got the Ritz Carlton Card
05:40 Ritz Carlton Card Unboxing
12:47 Outro
--
Note: This description contains affiliate links, meaning that I may earn a commission if you click through these links and successfully apply, sign up, or buy the product or service mentioned.
Disclaimer: I am not a financial advisor, accountant, or lawyer, and as such, I do not provide financial, tax, or legal advice. This video, and any ideas presented in it, are opinions and are provided for entertainment purposes only. Please do your own research and consult your own financial, tax, or legal professional for specific advice.
#creditcard #marriottbonvoy #ritzcarlton

Пікірлер: 233

@rodrigosalas3687 11 ай бұрын

Where does it says au gets free GE/TSAPre? I spoke to a chase rep they said it wasn’t covered by the ritz cc. Good video bro

@TheCreditFrog 11 ай бұрын

To be honest, I'm not entirely sure, but I think I read it somewhere. Definitely something to look in to. It's hard because since this is a discontinued card, information is sometimes not up to date. If Chase CS said that this credit isn't covered on authorized users, then maybe it isn't. Let me look into this further. I can probably look through the pamphlet from the box as well as I may be able to find it in there. Thanks for bringing this up Rodrigo!!

@rodrigosalas3687 11 ай бұрын

⁠@@TheCreditFrogno problem. I saw the same information some months back from another KZfaqr so I gave it a shot for my wife’s GE (she’s my au) and there was no credit so I reached out to chase/ritz and they said it didn’t cover it. Hope that helps man

@emilio44 11 ай бұрын

Just saw this so I decided to call Chase as well. They confirmed to me that it is still an active benefit on the card 🤷🏻‍♂️

@TheCreditFrog 11 ай бұрын

@@emilio44 Thanks for calling as well! Tbh, it's hard to trust CS from any bank when you ask them questions so IMO, the only way to really know is if there a specific data points that people have confirming that the credit is on the card. I think the question though, is if the AUs get their own TSA Pre/GE credit. It's definitely an active benefit for the primary user.

@trevornorton5297 11 ай бұрын

i called chase a couple months ago and they said it wasn’t covered for AU. Is it now?

@SpencerJohnsonOfficial 11 ай бұрын

The Ritz card is beautiful. After your last Marriott video, you've practically convinced me to go the Ritz route and I hope to start with the Boundless in the pretty near future!! Awesome video as always Stan!

@TheCreditFrog 11 ай бұрын

It sure is Spencer! Yeah, the Boundless is definitely the way to go to start, and you get to enjoy that NEW card design on the Boundless as well (thanks for the tip, haha)! I did end up updating my Marriott video thumbnail to reflect the change because I prefer that new design to the old one! Appreciate it bro!

@AdamBA380 11 ай бұрын

@@TheCreditFrog At first I was bummed to read this since I prefer the old design, but then I looked it up to find the redesign comes with the return of the better 3 night award SUB, so count me a happy camper!!

@MattWelterOfficial 11 ай бұрын

Love how you were able to product change to still capitalize on a Marriott welcome bonus in the process of getting that pristine looking Ritz Carlton Card! The $10,000 in Credit Limit is a great point too, and definitely useful to know. That 85K free night cert is definitely going to be useful for some super nice, high-end properties! The Unlimited Free AU's definitely seems to be super useful for Player 2's also. Totally understandable to why you are focused on Marriott Keeper Cards based on your own hotel preferences. Gotta love those Hotel Keeper Cards & love the new Card Stan!

@TheCreditFrog 11 ай бұрын

Thanks Matt! Yeah, I'm trying to build my arsenal of FNAs, and I think my final frontier is getting that last 35k FNA with the Boundless card. My first 85k FNA should be coming in next month, and I'll be able to get 2 85ks and 1 35k (Bonvoy Business) in 2024. It's a slow and steady strategy, but when it's completed, it's going to be very nice! I think the best is having at least 2 85k FNAs, so you can do like a weekend trip or something somewhere nice.

@SledgeIncTeam 11 ай бұрын

The whole presentation is nice. Glad that you were able to get it! Great video Stan

@TheCreditFrog 11 ай бұрын

Thanks Sledge! Yeah, Chase did a really good job with the card packaging! Makes for a great unboxing experience 👍!

@ryansebers396 11 ай бұрын

Really appreciate the original content, always learn something from you. This is a great in-depth look at the RC, particularly when viewed in the context of your prior vid about pursuing pathways for multiple Marriott FNC's. Content like this and your Morgan Stanley Amex Plat vid, set you apart from your creator cohort.

@TheCreditFrog 11 ай бұрын

Hey, thanks so much Ryan! Yeah, one of my goals for each video is to be as educational as possible so I'm glad that my videos are getting you a lot of great value! Appreciate the feedback, and I'll continue to drop knowledge every single week 👍!

@KonstantinosPoints 11 ай бұрын

That’s some great information Stan! I always hear about this card but never put any thought into it because it’s not available as a new card. You are so right about this being the best Marriott card, I can’t believe I missed it all this time!

@TheCreditFrog 11 ай бұрын

Thanks Kostas! For sure, this is one of those cards that flies under the radar unless you're looking for it. Good news! It's with Chase Bank so you don't have to worry about a certain other issuer that has been giving you a hard time recently!

@KonstantinosPoints 11 ай бұрын

@@TheCreditFrog that’s a great point, but then again, I’m over 5/24! I’ll look by joy much though because let me tell you, you got me interested in it!

@jimmyjames6492 11 ай бұрын

Congrats on the new CC , Mr. Marriott🎈🎉🎊Very cool looking! Thanks for the info + video!

@TheCreditFrog 11 ай бұрын

Thank you, Jimmy James! Haha, Mr. Marriott - I like that ! Appreciate you!

@ItsMeCJ 11 ай бұрын

That boxvelope looks so snazzy! I like it! Great unboxing Stan. I don’t think I’ll be picking this one up, but very nice!

@TheCreditFrog 11 ай бұрын

Thanks CJ! It's definitely a sleek box and the matte finish is a great feel. Definitely not as cardbaordy like the Amex luxury credit cards. I also thought it was a nice touch!

@jollama 11 ай бұрын

Box used to be much higher quality with the card being completely metal from top to bottom

@TheCreditFrog 11 ай бұрын

@@jollama Yeah that’s what I understand as well! Still a good box now, but yeah, I’m sure it was nicer in the past!

@DJOctober 11 ай бұрын

Nooooo - I was wrong! I thought you already had the Ritz! Congrats on the card and I can't wait to see you go for the US Bank card! The last Marriott video you made made the Ritz card go on my "Dream/Aspirational" card bucket and I hope to get it in due time! Gorgeous card! Love your content. -Ivan

@TheCreditFrog 11 ай бұрын

Thanks Ivan! Yeah, I'm hoping to go for that USB AR card in the next several months, and I'm glad I could get you interested in that Ritz Carlton card! At least you'll have this video to watch in the meantime, haha! Appreciate you bro!

@emilio44 11 ай бұрын

Just product changed to the Ritz a few days ago as well! If they increase the AF to 550-600 and added Platinum status + another perk…I think it would still be well worth it. Hope they go this route!

@TheCreditFrog 11 ай бұрын

For sure Emilio! And congrats to you as well on the new card! Since I already have the Brilliant, my preference would be to keep the AF the way it is because these cards are expensive in total 🤣 but depending on the perk offered, I could be swayed!

@linlondyn 7 ай бұрын

When did you get the 85k night certificate? Did you have to wait until the Anniversary on your Marriott boundless card?

@ascubapro 11 ай бұрын

Congratulations and as always another great video. Thank you so much.

@TheCreditFrog 11 ай бұрын

Thanks Eddie! Happy you were able to enjoy this one as well 👍!

@heven729 11 ай бұрын

Wow, the benefits for the additional authorized users is amazing! Thank you for the unboxing video.

@TheCreditFrog 11 ай бұрын

I know, right?!?! Such a great little-known feature of this card!

@clausellray3949 11 ай бұрын

Thanks Stan for sharing I will be product changing from the boundless to the Ritz the end of the year can’t wait. While I have the boundless should I ask for a credit line increase I have over 10k on the card. Just weighing my options thanks for sharing and keep that content coming

@TheCreditFrog 11 ай бұрын

@@clausellray3949 It's up to you if you want to request that CLI. That's only going to be important if you're thinking of applying for a new Chase card or not, but the timing of getting a CLI and requesting a product change doesn't really matter. As long as you have at least $10k on the card, you'll be good to go after 1 year with the Boundless!

@AnthonyVenture 11 ай бұрын

The unlimited AU’s + their own priority passes have to be tested in person haha! This was great, I should have known but this is an amazing move and can’t wait to see where you’ll use that FNC! See I figured to keep the Boundless for its FNC and product change another Chase Marriott that is more expensive to the Ritz. Good to know with that phone number on the back. Loved this Stan! And card does look really nice!

@TheCreditFrog 11 ай бұрын

Thanks Tony! Yeah, I think I need to look into this AU situation because it does seem a little broken, hah! The thing with these Marriott cards is you literally have to garden them for one year to get the FNAs after that cardmember anniversary, but once you put in the time, it starts delivering every year!

@MikeMaye 11 ай бұрын

Congrats Stan that's a sweet looking card! That's definitely not a card you see talked about a lot (I've actually never even seen one in person)...great vid

@TheCreditFrog 11 ай бұрын

Thanks Mike! Yeah, it's an awesome design that's simple, but also sleek and elegant. Definitely one of my favorites!

@OfficialEricGao 11 ай бұрын

Congrats on the product change! Nice looking card!

@TheCreditFrog 11 ай бұрын

Thanks Eric!! It sure is.

@chrisv4920 11 ай бұрын

Stan the man! What an awesome video! top⭐️, really enjoyed this one, great info too!

@TheCreditFrog 11 ай бұрын

Thanks Chris! Appreciate it and I'm so happy you liked the video!

@ItsMeCJ 11 ай бұрын

FIRST! Team Rose Gold coming in strong!

@TheCreditFrog 11 ай бұрын

Sorry CJ you're 2nd 🥈. Although I'll admit that yes, Team Rose Gold came in strong today because Josh was 1st!

@ItsMeCJ 11 ай бұрын

@@TheCreditFrog 🤣

@returnnofthemac 11 ай бұрын

Great video Stan and congrats on the new card. After watching your video on the Brilliant a few months back it made sense to get the card. I'm glad I did since I was on the fence for awhile.

@TheCreditFrog 11 ай бұрын

Thanks Mac! That's awesome! Hope you're enjoying the Bonvoy Brilliant! If anything, you've now started the clock on that first 85k FNA! 8-9 months left for you!

@returnnofthemac 11 ай бұрын

@TheCreditFrog Thanks! Is that first FNA supposed to hit within the first year? I haven't received it.

@TheCreditFrog 11 ай бұрын

@@returnnofthemac Unfortunately, no. It will come after your first cardmember anniversary so you have until after your first year!

@Joshua_Forbes 11 ай бұрын

Beautiful card. Can’t wait to try to product change to it next year

@TheCreditFrog 11 ай бұрын

Agreed Josh! Now you know what to expect with this unboxing video!!

@MannyCovington 11 ай бұрын

Gotta get a Chase marriott card so I can upgrade to this card. Such a great card, glad you were able to get it!

@TheCreditFrog 11 ай бұрын

Thanks so much Manny! Yeah, I agree. Try to get on that Chase Marriott card!

@nubianpwr 11 ай бұрын

Very well done Stan👏🏾👍🏾 The aesthetics were great, especially the wood grain desk back-drop😊. I used to have this card, and regret giving it up. There are these things, these qualities that are hard to put a price tag on...

@TheCreditFrog 11 ай бұрын

Thank you Nkosi! Yeah, I think the sleek black card worked well with the desk as well! I didn't realize you had this card from before! Not sure if Marriott is one of your top choices for hotels, but if so, maybe worth looking into again?? That or maybe pound out 3 Hilton Aspires 🤣

@nubianpwr 11 ай бұрын

@@TheCreditFrog LOL - yea Stan I already have the Hilton Aspire and Hilton business for the credit nights stack. I was poised to get the Brilliant, but the bonus has re-normalized😏 The 5/24 rule would keep me from the Ritz card 1.5 yrs due to product change mechanism. I do frequent Ritz, so I'm still on the lookout for the opportunity man. Do U think they'll bring the elevated SB back on the Brilliant anytime soon?

@TheCreditFrog 11 ай бұрын

Oh ok nice! Seems like you have your Hilton strategy covered! Not sure how soon the Brilliant SUB will take to come back, but mark my words, it will come back!

@user-ce2rm5de8r 11 ай бұрын

Thanks for such an informative video!

@TheCreditFrog 11 ай бұрын

You're welcome!! Appreciate the support 💕

@CesarJoel 11 ай бұрын

That’s a beautiful and powerful card💪 Great overview and information Stan! Keep up the great work 🫵

@TheCreditFrog 11 ай бұрын

Thanks César! Appreciate you as always bro!

@jro669 11 ай бұрын

Very nice, I think I'll be getting this card too after I'm done getting both of the Amex Marriot cards first

@TheCreditFrog 11 ай бұрын

Good plan! Definitely want to get at least the Bonvoy Brilliant card to lock in that SUB before PC'ing to the Ritz!

@lscott9263 11 ай бұрын

Congrats Stan 🎉🎉🎉! I still have 8 months in boundless jail before I can get upgraded to the Ritz Life. 😅

@TheCreditFrog 11 ай бұрын

Thanks!! Hey, that Boundless card is still a great card - hopefully, you snagged an awesome SUB to enjoy until then! You'll get to the Ritz life in due time 😁

@MarkReese 10 ай бұрын

Congrats on getting the Ritz man! 👊💳

@TheCreditFrog 10 ай бұрын

Thanks so much Mark! It’s gotten some good use recently, and really enjoying the card so far!!

@MarkReese 10 ай бұрын

@@TheCreditFrog 🏆

@drrob001 11 ай бұрын

I so want this card. Thanks for sharing

@TheCreditFrog 11 ай бұрын

As long as you have a Chase Bonvoy card, you'll be on track to get it. Thanks Robert!

@raifhol 11 ай бұрын

Thanks Stan! Could never figure out the benefits at the Ritz. Seems decent if you are paying for your stay.

@TheCreditFrog 11 ай бұрын

No problem! Yeah, paying for your stay is probably going to be costly as you would expect, but having those Ritz-specific perks on this card will make that expense a little more valuable.

@LukesPointsandMiles 11 ай бұрын

Stan is over her Big Timing us!!!! You are the official Marriott KZfaqr!!!!! Very cool card, sir.

@TheCreditFrog 11 ай бұрын

Haha, thanks Luke! I get my go big or go home mentality from you!

@LukesPointsandMiles 11 ай бұрын

@@TheCreditFrog I like your style!!

@juanmeowmix1530 11 ай бұрын

Great unboxing!

@TheCreditFrog 11 ай бұрын

Thank you!

@JoshGiebel 11 ай бұрын

Let’s go Stan! I had a feeling you’d acquire the Ritz card. My fiancée holds the Boundless and her account anniversary is coming up soon 🤔Especially as we look to ramp up our travel next year, this may work out well for us. I was thinking about the Venture X for our upcoming Europe trip, but I might need to reevaluate! The Ritz card has a great design.

@TheCreditFrog 11 ай бұрын

Thanks so much Josh! Yeah, I think Boundless card is great no matter what, so if you want to wait to product change, there's no rush.. you could wait it out, or even PC it down to the Bold card for awhile if you think it'll be inactive. The key is that the FNA comes after the first cardmember anniversary so you have to factor that in if you want to get a Marriott FNA strategy. Venture X will be probably more worth it in the short term.

@djcrissz18 10 ай бұрын

Next level 🎉🎉🎉

@TheCreditFrog 10 ай бұрын

Thanks Christian!

@yangerang55 Ай бұрын

Hey dude, love your stuff, real grass roots and home grown content with real scenarios. Was wondering what you thought of CSR vs Ritz Carlton for travel and access to lounges. I know it's not a 1-1 comparison but my only real need is access to CSR lounges for me and family members which RC would be good for as authorized users. Maybe a full video would be good? Thanks in advance.

@TheCreditFrog Ай бұрын

Thanks! Glad to hear that you’re enjoying the content. If your only goal is to have the most comprehensive lounge access for family members on one card, the RC is the way to go! The only issue is the lack of PP restaurants, which are getting dropped next month, and the RC card doesn’t get you access to the Sapphire Terrace lounge in AUS. The CSR is a better travel card since it has 3X dining/travel, but maybe you have a card that covers those when you’re traveling?

@kmb6916 11 ай бұрын

Great video Stan! I thought you only had Amex and BOA credit cards, lol.

@TheCreditFrog 11 ай бұрын

Thanks! Yeah, I primarily have only those lol so you're not wrong, but I do have a couple of Chase cards, one of them being the Bonvoy Bold - lucky for me!

@Esignn 9 ай бұрын

The AMEX Brilliant and the elite Platinum Status sold me. Both cards are so similar.

@TheCreditFrog 9 ай бұрын

Yeah, the Brillliant is a fantastic card! The Ritz and Brilliany are similar but they complement each other very well!

@joshua.butler 11 ай бұрын

Danggg nice Stanley!!!!

@TheCreditFrog 11 ай бұрын

Thanks Joshy! You win first today 🏆

@isao_the_2nd 11 ай бұрын

@@TheCreditFrog I gotta say, this is an underrated catch all 2x flat earner

@TheCreditFrog 11 ай бұрын

@@isao_the_2nd If you’re a Marriott loyalist, this is certainly one path you could take!

@jpknowledge8852 11 ай бұрын

This card is dope. I want to get it, but I also don't want to apply for a chase Marriott card and wait a year. I feel like I need to hurry and apply before the upgrade opportunity disappears.

@TheCreditFrog 11 ай бұрын

For sure JP! Yeah, it's been about 5 years that this card has been "closed" to new applicants, but I totally get where you're coming from. FWIW, the Boundless card is a great card all on its own anyways so I would think of it as a 1 year time period to decide what you want to do. No matter what, if you get a good Boundless SUB, it will always be worth it in year 1!

@jasonfreilich866 10 ай бұрын

Try the concierge on the card for any hard to get reservations and upgrades! They can pretty much do anything and it’s the same concierge as the J.P. Morgan Reserve card. This is a top tier concierge like the Amex Centurion

@TheCreditFrog 10 ай бұрын

Ooh I definitely need to try this. I have to call to get my airline incidentals reimbursed so I might as well just ask for a resy while I’m at it, haha!

@jasonfreilich866 10 ай бұрын

@@TheCreditFrog so the 855 number ontop of the card is actually a J.P. Morgan advisor. They can handle any issues you ever have with the card and they pickup after the phone rings like one time. Absolutely no wait times. The 877 number is the J.P. Morgan concierge and trust me they can get just about anything done! The cool part about this card is that it’s not a chase card it’s an actual J.P. Morgan card and the only other one like it is the Reserve/Palladium card

@MattClausen 11 ай бұрын

I KNEW it was the Ritz as soon as I remember you mentioning you were gardening to get under 5/24. It was at that point I realized you got the Ritz.

@TheCreditFrog 11 ай бұрын

Yeah, that was the key there Matt! Since I already had a Bonvoy card, it was as easy as calling up CS and making the product change. I'm under 5/24 now, but have to wait just a little longer to pull that USB AR trigger!

@MattClausen 11 ай бұрын

@@TheCreditFrog that card and ecosystem is so close to perfect. They’re missing it by a thread.

@TheCreditFrog 11 ай бұрын

@@MattClausen I totally agree! It needs to be a part of a setup with other cards sadly. USB also needs be less strict on their approvals! We'll see what happens when I apply!

@MattClausen 11 ай бұрын

@@TheCreditFrog I’m intrigued by them. And want to pull the trigger at some point. Soon as I’m done with Chase I think

@johnny_ma 11 ай бұрын

I used to stay primarily at Marriott as well but with the devaluation of the points over the years, I primarily stay at Hilton now

@TheCreditFrog 11 ай бұрын

Yeah, Hilton has a great program! I wish Marriott didn't devalue their points so much, but that's sadly part of the game we play. Hilton and Hyatt have so much better programs comparatively!

@carlosaraujo59 6 ай бұрын

They are bringing the original metal one back, I’m so hyped

@TheCreditFrog 6 ай бұрын

Same! Love me some metal card!!

@carlosaraujo59 5 ай бұрын

@@TheCreditFrog two people I know got their cards and it’s disappointing, it’s just another plastic with metal card. 😭😭 I’m more than likely canceling the card before my annual fee.

@TheCreditFrog 5 ай бұрын

@carlosaraujo59 Oh, that is sad 😥. I still think the card is worth it with the 85k FNA, but yeah, you always have to make sure if the card is worth it for you!

@carlosaraujo59 5 ай бұрын

@@TheCreditFrog I get a platinum from my company and they pay the fees, I was actually looking to cancel my ritz since I don’t use it much. But I still have a good amount of nights free. So probably will after I use all those nights up.

@theyhateme2601 11 ай бұрын

Stan…great video…& definitely more motivation (1 day I’ll b under 5/24..😂)..if you apply for the boundless, do you recommend waiting til you receive the $35K FNC before requesting the product change? I was under the impression it takes 8-12 weeks after card anniversary to receive the FNC. Thoughts?

@TheCreditFrog 11 ай бұрын

Thanks! Yeah, so it's going to depend on how fast you want to go. After getting the Bonvoy Boundless card, you'll get a 35k FNA whenever they get it to you, you can go ahead and use it, and then once you've used it, you can then product change to the Ritz Carlton card with no issues, but you won't get that 85k FNA from the Ritz card for at least another year. So if you're on the path to get that 85k FNA, best to just change it right at 12 months, but if you don't mind waiting, it's probably better value to get the 35k FNA, use it, and the PC to Ritz after you've redeemed it so they can't take it back, hah!

@sirid2987 6 ай бұрын

In 3, 2, 1… 😂 Great card. Hopefully, I get to open mine in 12 months or so.

@TheCreditFrog 6 ай бұрын

Haha! Gotta add the suspense. I hope so too! You just got to put in the time, and the reward will be well worth it in the end!

@kevinManhattan 11 ай бұрын

Super cool video Stan. Question. So do you have Brilliant card also?

@TheCreditFrog 10 ай бұрын

Thanks Kevin! Yup, I have the Brilliant as well!

@mohammadislam2652 Ай бұрын

Great 🎉 Stan the credit Frog

@TheCreditFrog Ай бұрын

Thanks! 🙌

@chrisbrown8748 5 ай бұрын

I’m not going to lie, I’m going to go for this card and I don’t really need it. I have every single card that I NEED for my travel and cash back needs and I’m now in the phase where I either want big welcome bonuses or get cards that fill small but very specific niches. I want this card because it’s sexy and rare in the wild🤣 but also because I travel a lot each year so I can always make use of the travel credit for seat upgrades on flights and I do love Marriott’s so I’d just stay with them even more if I were to get this card. I do have a feeling that if I get this card I’ll only keep it for a year before downgrading because I really do just want it because it’s the hot chick so to speak🤷🏽‍♂️🤣.

@TheCreditFrog 5 ай бұрын

Haha! That's totally fine, Chris. The card is a great one to have, and it's nice that it sounds like Chase intends to keep it around. No welcome offer, but a great reason to go for an elevated Boundless offer when it comes up! The travel credit is pretty flexible, and the phone calls I make to get the card to work are usually handled well, and I never have to wait that long! If you keep it around longer than a year, you'll get an 85k FNA. You also get the most powerful Priority Pass on the market so there's that too!

@adrianw6982 11 ай бұрын

I have the bonvoy brilliant. The AF doesn’t bother me since I get $25/month for food and one hotel night stay will pay for itself and platinum elites status. So the card pays for itself. The cards are very similar. imo

@TheCreditFrog 11 ай бұрын

Yeah, I agree with you Adrian! I have both cards now so I'll see what it's like to carry both. The $25 dining credit is mildly annoying, but I think once I get rid of my Gold card, that statement credit overwhelm be lessened by a lot. I think the Brilliant and the auto Platinum status is an awesome benefit to have for Marriott loyalists like myself, and perhaps you as well!

@MyWastedFantasy 11 ай бұрын

3:25 with the airline incidental credit, can you do the same as Amex? And use the united travel bank . Then call in and get it reimbursed ? I can’t seem to find an answer when it comes to this card. The card is beautiful btw! I like how simple it looks

@TheCreditFrog 11 ай бұрын

Yeah, so I would treat this airline incidental credit like the one on the CSR. If it works on that, then it should work on the Ritz card as well. Haven't tried it myself yet so not sure. And yes, this card has a simple, sleek design, which is my kind of style. Appreciate it Fanta!

@DCGEMINI202 11 ай бұрын

I still think the brilliant is better but I’ll eventually add this card to my portfolio

@TheCreditFrog 11 ай бұрын

Having both is a nice compromise 🤣

@eridium 11 ай бұрын

Stan, your previous video persuaded me to get a Chase Boundless and product change it to Ritz. However, I have all the Amex Bonvoy cards: Brilliant, Business, and Personal (the last two were formerly my SPG cards). Since I'm grandfathered into Amex Bonvoy Personal, does that mean I'm excluded from getting the Boundless's sign up bonus? It has been 24+ months since I opened any of these cards. Great videos by the way, really useful and clear info.

@TheCreditFrog 11 ай бұрын

Thank you so much! So in terms of your situation, the easiest way to figure this out is to go to the Chase Bonvoy Boundless page and look at their terms and conditions regarding their SUB. The only thing that I think may be an issue is the clause where it says you won't get the SUB if you "currently HAVE or HAD any of the following cards in the last 30 days: Marriott Bonvoy American Express Card, The Starwood Preferred Guest Credit Card from American Express". If your previous SPG card is one of the two cards I mentioned above, then you would have to close that Amex card and wait 30 days in order to get the Bonvoy Boundless SUB.

@eridium 11 ай бұрын

@@TheCreditFrog Thanks Stan, I believe you're right. I'm not sure it's worth canceling my Amex Bonvoy Personal card to get the Boundless SUB. The referral SUB seems to be 3x 50,000 point FNAs, which is lucrative, but I want to have the Amex Personal for the long-run, annual 35k FNAs. And to get another Bonvoy Personal, I'd have to product change my Brilliant to Personal and then open a new Brilliant. Seems like too much opening and closing of accounts. I don't want to get in trouble with any of the issuing banks. Guess I'll just get the Boundless with no sign-up and convert to Ritz in a year. Interesting and complex procedure, but worth the effort!

@leadguitarmiked 2 ай бұрын

Would you recommend this card as an everyday card for someone looking to transfer their points to Southwest due to the multipliers being better than any of the southwest cards? Or just stick with the CSR?

@TheCreditFrog 2 ай бұрын

I would stick with the CSR. The multipliers are higher, but these are Bonvoy points, which have less value than UR points and can’t be transferred to Southwest.

@LK_EBM 11 ай бұрын

Did you get the free night certificate right after you product changed, or do you have to wait one year after product change?

@TheCreditFrog 11 ай бұрын

I have to wait until my first cardmember anniversary after I product changed to the Ritz card. Bummer, I know 🙁

@MrKASiano 4 ай бұрын

Do you get the 85k free night right after your product change? Or do I have to use my free night from boundless, product change and then wait another year?

@TheCreditFrog 4 ай бұрын

The latter option. You get the 85k FNA on the RC card after your 1 year cardmember anniversary

@chasliveslife 11 ай бұрын

I have to get the brilliant first before I product change my boundless to the ritz. Need to secure the sign up bonus and platinum status from the brilliant.

@TheCreditFrog 11 ай бұрын

Yes, definitely lock in that Brilliant SUB before the product change. Such a key factor to get maximum value!

@BY-ib9ew 11 ай бұрын

To me this is like the amex plat. Mathematically it’s not “really” worth it unless you have some specific use cases…. But you end up doing some mental gymnastics to justify getting it because it’s a cool card 😅

@TheCreditFrog 11 ай бұрын

I can see where you're coming from. Yeah, do I really need this card? Probably not, but since my goal right now is to build out my Marriott FNA setup, I figure that this would be helpful for that strategy! But ultimately we could all just get the Citi DC and call it a day 🤣

@zyzzuschrist3410 11 ай бұрын

I have a 2 week long trip coming up in 2 months within the states. What’s the best card to get to subsidize most of the trip? I was thinking CSP

@TheCreditFrog 11 ай бұрын

Yeah, I think CSP would be a great choice. I would see what your goals are with your points, whether it be airline/hotel/or transferrable currency, and then work it from there. 2 months is kind of soon so you're probably looking at a high SUB you can hit and then burn all the points in one go.

@johnwick860 8 ай бұрын

does the AU get the purchase protection as well? how about the Bonvoy gold status? thanks

@TheCreditFrog 8 ай бұрын

Yes the AU gets purchase protection since the payment will ultimately through the primary cardholder. Unfortunately, no Gold status for the AU

@kaina732 9 ай бұрын

I have the Marriott Bonvoy Boundless card now. I just got the AmEx Gold and plan to get the AmEx Platinum in the future. Would it still make sense to upgrade the Marriott Bonvoy Boundless to the Ritz Carlton card if I currently only travel a couple times a year (all domestic - HI to CA mostly)?

@TheCreditFrog 9 ай бұрын

I think it may be worthwhile to get the Platinum card first and see how you're able to use that card. With the Ritz card, you get value by using the $300 airline incidental credit and the 85k FNA. The Platinum also gets you a $200 incidental credit. There are ways to use these credits easily so if you're able to get value from them, the Ritz card could be a nice addition, but you just want to be cautious about the annual fees because the AFs on both cards taken together are over $1k!

@kaina732 9 ай бұрын

@@TheCreditFrog Thanks for the quick response! I was using Hawaiian Miles MC (Barclays) for years. Just now using AmEx Gold for personal and Chase Ink Cash for business. I will eventually get the Chase Sapphire Preferred to pair with the Ink Cash and a AmEx Blue Biz Plus to pair with the AmEx Gold.

@stacydemo8607 7 ай бұрын

Great video! Does the RC card waive foreign transactions fees?

@TheCreditFrog 7 ай бұрын

Thank you! Yes, it sure does!

@linlondyn 7 ай бұрын

Hello! When exactly do you get the 85k night certificate? Is it the anniversary date for your Marriott boundless card or right after the product change?

@TheCreditFrog 7 ай бұрын

Hi there! I'm not entirely sure yet since I haven't had the Ritz card for over a year, but for what it's worth, when I product changed my Ritz card from the Bold card back in October, I didn't get charged the annual fee until 8 weeks later. Recently, on my Brilliant card, which I've had now for 1 year, I had to wait 8 weeks to get my 85k FNA to populate in my Bonvoy account so take that for what it's worth!

@linlondyn 7 ай бұрын

@@TheCreditFrogokay thanks for the feedback!

@dex4308 11 ай бұрын

This sounds like it would be a pretty good travel card if you primarily stayed at Marriot properties. How do you think this compares to the VX, Amex plat, CSP and CSR? From the prospective of someone looking to get a travel card.🤔

@TheCreditFrog 11 ай бұрын

The biggest feature is that this card is primarily for those who stay at Marriott properties, like you mentioned. The other cards on your list are all flexible point earnings cards that can be transferred out to transfer partners and are probably best to start out with your first travel card. If this is your first travel card, I think the CSP would be the best value as you get access to transfer partners and some elevated benefits for a modest annual fee. The VX is also another option if you don't mind a higher annual fee, but don't mind using the C1 travel portal for the $300 statement credit.

@dex4308 11 ай бұрын

@@TheCreditFrog , I appreciate the detailed response. Great video .👍🏽

@DrEMichaelJones 10 ай бұрын

Does it make any sense to get BOTH the Amex Bonvoy Brilliant AND the Chase Ritz Carton Card if you like staying in Rtiz properties every year?

@TheCreditFrog 10 ай бұрын

It depends on what you're looking for. The Brilliant offers Bonvoy Platinum status so if you value that, and can value the 85k FNA and $25 monthly dining credit against the $650 annual fee, that this could be a great addition to the Ritz Carlton card!

@DrEMichaelJones 10 ай бұрын

@@TheCreditFrog Thanks of responding! We go to the Ritz in Grand Cayman every year so I figured the lounge and room upgrade of the RC card combined with the Platinum status of the Brilliant card (that might move us ahead of gold status guests) will get us really nice perks there. I figure the two free nights at other Ritz properties is just icing.

@arrarrarra 4 ай бұрын

Interested in this card. Curious if there’s any hack to using the travel credit on something other than the bag fee or seat upgrade?

@TheCreditFrog 4 ай бұрын

All the standard ones seem to be fine on this card. The difference is you need to call RC customer service to get your credit applied.

@arrarrarra 4 ай бұрын

@@TheCreditFrog do you know if funding the united travel bank will be covered by the travel credit?

@TheCreditFrog 4 ай бұрын

@@arrarrarra I think it should, but you have to talk to customer service to request reimbursement so if it says "united travel bank" on your statement, it may be harder to explain. Not sure how it looks like on the Chase statement since I've never done it before.

@kmb6916 11 ай бұрын

I want the Ritz but first I'll have to cancel my Grandfathered Amex Bonvoy card(old SPG) and wait at least 30 days to get the Boundless.

@TheCreditFrog 11 ай бұрын

Yeah, those rules are super annoying, but you're right! The Boundless would be the best entry point to go for the Ritz card!

@ceezthaday 11 ай бұрын

So since you product changed to the Ritz card, does this mean you already have the AmEx Bonvoy Business and the AmEx Bonvoy Brilliant cards?

@TheCreditFrog 11 ай бұрын

Yup, I sure do! You don't need to have those cards already to get the Ritz card, but it certainly is nice to lock in those 2 Amex SUBs first 👍!

@kylemarshall4559 11 ай бұрын

Pretty sure the Priority Pass that comes with the Ritz-Carlton card has unlimited guests

@TheCreditFrog 11 ай бұрын

Very possible Kyle! I've also read the same. I wish I had unlimited friends to travel with tbh 🤣

@dhruvsriv789 11 ай бұрын

Oh no! The majority of the folks were wrong in the poll. Really thought it was the USB AR.

@TheCreditFrog 11 ай бұрын

Yeah, not quite to the USB AR yet, but hopefully soon! I do want all of those cards in the poll within the year though so there's that!

@JohnnyCashBack5X 11 ай бұрын

If I sign up for the Marriott Boundless card and product change to the Ritz Carlton card after a year plus one day, would I still get the free night certificate from the Boundless card?

@TheCreditFrog 11 ай бұрын

I would wait until the FNA appears in your account before making the product change to Ritz. I’m not sure if you get this before or after the exact 1-yr mark. The good news with Chase is that they give you a prorated refund of the annual fee whenever you cancel so as soon as you use up that FNA you can go ahead with the product change!

@randomsonmymind6919 8 ай бұрын

Hello. Question about timing to product change. You mentioned the certificate valued up to 85000 points after the card anniversary. Does that mean the card anniversary that you're starting out from (for example the boundless card) or the date that you product change to the ritz carlton card? I'm trying to understand when is the best timing to product change. Thank you.

@TheCreditFrog 8 ай бұрын

Hey there! The 85k FNA will come 1 year after your cardmember anniversary on the Ritz Carlton card. So if you want to get the 35k FNA on the Boundless, wait until you get that certificate after year 1, use it, and then you can PC to the Ritz Carlton card, but then you have to wait a year for that first 85k FNA to hit. Hope that helps!

@randomsonmymind6919 8 ай бұрын

@@TheCreditFrog Hi thanks for your really quick reply. So to confirm: my wife's bonvoy bold card renewed in September, but if she were to product change today to the ritz carlton card then 1 year from today (not the September date) is when the certificate would be issued, correct? Does that also mean the annual fee would be every year from today or in September when the bonvoy bold renews? Thank you again.

@TheCreditFrog 8 ай бұрын

@@randomsonmymind6919 In your wife's situation, if she were to product change, the FNA would be issued in 1 year, but remember that it may take up to 8-12 weeks for it to appear in your online account after that as well. The AF should be charged 1-2 billing cycles after the PC.

@randomsonmymind6919 8 ай бұрын

@@TheCreditFrog Thank you for the replies and information 😊

@rred4 11 ай бұрын

Are you sure you get priority pass restaurants because I can't find it on their website

@TheCreditFrog 11 ай бұрын

Yes, the Ritz Carlton card should get priority pass restaurants, just like the CSR!

@tdo2952 9 ай бұрын

I have the amex bonvoy $95 annual fee since 2019 (it was SPG). Am I still eligible to apply for chase mariott cards and then product change to Ritz Carlton after a year? Also I thought they removed the Priority Pass restaurants from Ritz Carlton?

@TheCreditFrog 9 ай бұрын

Yes, you should be able to apply for the Chase Marriott cards (and get the SUB) and then PC to RC in 1 year. From what I understand, the PP on the RC card is the same as the CSR so PP restaurants should be available.

@tdo2952 9 ай бұрын

@@TheCreditFrog that's a pretty good deal! Thanks for the quick reply!

@kevingiang5606 11 ай бұрын

I've had the Boundless for 3 years, should I be renewing before my AF hits for the 4th year? Or does it not matter? If I product change to Ritz card before my Boundless AF hits, would I get the 85k FNA when my AF does hit? thank you in advance :)

@TheCreditFrog 11 ай бұрын

Good question Kevin! So you can product change at any time. I'm not sure what happens officially if you're mid-cycle so you'd probably have to ask Chase CS, but my guess is that they would refund you the pro-rated Boundless AF and then charge you the $450 Ritz AF sometime after the product change, likely at your next billing cycle. Sadly, the 85k FNA will hit only after your first cardmember anniversary with the Ritz card so you have to wait 12 months until it's issued.

@kevingiang5606 11 ай бұрын

@@TheCreditFrog appreciate the thorough response!

@dskirby31 11 ай бұрын

Question about the $300 Annual Travel Credit, it looks like its the same as Amex Travel Credit. Do you know if "banking" them with United will use up the credit?

@TheCreditFrog 11 ай бұрын

Yeah, so this airline incidental credit is similar to the one on the CSR. I'm not super familiar with Chase's policies on what counts or not, but for the Ritz, you do need to call it in (or send a secure message) to get the charge reimbursed within 4 billing cycles.

@RogerCui 11 ай бұрын

I just did it a week ago with united travelbank. It works

@RogerCui 11 ай бұрын

Just say it’s a seat upgrade purchase lol

@TheCreditFrog 11 ай бұрын

@@RogerCui LOL. Great tip!

@johnwick860 8 ай бұрын

does the AU get the Club lounge access?

@TheCreditFrog 8 ай бұрын

No, only the primary cardholder gets the Ritz Club lounge access passes

@chanduvall1642 Ай бұрын

If you had to choose one, would you do the ritz Carlton or Bonvoy brilliant?

@TheCreditFrog Ай бұрын

I would choose Bonvoy Brilliant. The Platinum status + $300 dining credits + 85k FNC would work best for me.

@chanduvall1642 Ай бұрын

@@TheCreditFrog thanks Stan! You give great information and been Uber helpful on my CC journey!!!!

@TheCreditFrog Ай бұрын

@chanduvall1642 You’re welcome! I’m so happy to hear that!!

@fremont-desi6430 7 ай бұрын

Question: I am going to product change my Bonvoy BOLD card to Ritz Carton - after that plan to apply to Bonvoy Brilliant - Can I simultaneously have both Chase Ritz Carlton & AMEX Marriott cards ? Or Mutually exclusive - Only 1 or the other? Need advise before applying!

@TheCreditFrog 7 ай бұрын

Hi there! So the proper sequence is this: 1. Apply and get the Brilliant card FIRST, then 2. After you get the card (probably best to hit the welcome offer on it as well, just to be safe), then PC into the Ritz Carlton card. You are not eligible for the Brilliant welcome offer if you already have a Ritz Carlton card. You are also not eligible for the Brilliant welcome offer if you received a welcome offer on your Bold card if you've received a welcome offer on that card (or the Boundless if you had that card first) in the last 24 months.

@fremont-desi6430 7 ай бұрын

@@TheCreditFrog Thank you - I thought that Chase & AMEX were / are separate - so could change the BOLD (welcome offer more than 2 years ago) to Ritz carlton & then apply for Amex Brilliant after 90 days or so

@TheCreditFrog 7 ай бұрын

@@fremont-desi6430 Yeah, the Chase and Amex welcome offer rules are interlinked so it’s important to review both to make sure you understand the rules completely!

@fremont-desi6430 7 ай бұрын

@@TheCreditFrog Follow-up|| "you are not eligible for the Brilliant welcome offer if you already have a Ritz Carlton card" Am I eligible for Boundless Chase $95 Welcome offer - If I product change my Bold to Ritz today .... (My Bold Welcome offer was more than 2 years ago) - The reason I want to product change to Ritz now is the AU to my kids going to need during traveling (Lounge) & later on apply for Boundless - not in a hurry - maybe 90 days later to get 3 certificates offer

@hishamq89 7 ай бұрын

Is it worth to have both this card and the bonvoy brilliant ?

@TheCreditFrog 7 ай бұрын

I have both and am pretty happy with it. Can't be mad at 2 85k FNAs!

@JB-pk1jx 11 ай бұрын

Probably should mention you cannot product change from the bold to ritz if it was originally opened as a bold. You can only product change from bold, if it was originally opened as a boundless or bountiful.

@TheCreditFrog 11 ай бұрын

As I mentioned in our earlier conversation about this, I need to see more DPs of people being denied for the Ritz specifically when requesting a product change before say that this is true. I asked Chase CS directly about this question, and they said that going from Bold card to Ritz card is fine, even when applying and getting approved for the Bold card first. As Boundless is the much better card, I don't think that many people will get the Bold first to go to Ritz anyways, but as I mentioned in this video, I PC'ed from Bold to Ritz with no issues, but yes, that Bold card was a Boundless card a few years ago, which was the original form of that card.

@JB-pk1jx 11 ай бұрын

@@TheCreditFrog thread on flyertalk

@TheCreditFrog 11 ай бұрын

I’ll go check it out!

@RipVondy 11 ай бұрын

Would you still suggest having both the Bonvoy Brilliant and the Ritz-Carlton, $1100 in af for two cards is rough

@RipVondy 11 ай бұрын

I want the amex Bonvoy business for the additional 15 elite night credits, but then I’m paying $1225 in annual fees for Marriott haha

@TheCreditFrog 11 ай бұрын

It depends on how much you value those 85k FNAs and if you could fully discount the $300 dining credit on the Brilliant at $300 airline incidental credit on the Ritz Carlton, which drops the effective annual fee to $500 for 2 85k FNAs, 25 elite night credits, and Marriott Platinum status!

@TheCreditFrog 11 ай бұрын

I now have all 3 cards so I guess I'll let you know how it goes! Those 40 elite nights are key for me because with them, I can just barely make Titanium status this year!

@RipVondy 11 ай бұрын

@@TheCreditFrogat least you are guaranteed platinum status plus the 40 nights which is amazing. I wish we could split up the 85k certificates sometimes to use for multiple night stays. Having two nights at fancy hotels is nice, but I find myself going out of the way for a good redemption sometimes. Plus you’ll eventually hit lifetime platinum status

@TheCreditFrog 11 ай бұрын

This is true, but I am very far away from lifetime Platinum status 😂. I hear you on luxury hotel creep. I definitely find myself spending more at these hotels so it’s sort of a double-edged sword for sure!

@AdamBA380 11 ай бұрын

Yearly 85K award can’t be used (at the Ritz) in London?! Huh! That’s… interesting.

@TheCreditFrog 11 ай бұрын

Yeah, Marriott makes it hard for us to have nice things

@AdamBA380 11 ай бұрын

@@TheCreditFrog 🤷🏼‍♂️🫠

@Leoprieto74 11 ай бұрын

😭,.. I want the Ritz Carlton too.

@TheCreditFrog 11 ай бұрын

Don't be sad Leo! You'll get this card soon enough!!

@Leoprieto74 11 ай бұрын

@@TheCreditFrogYay! 👍🍻

@Leoprieto74 11 ай бұрын

Stan, a question for you about the $300 Travel (Airline) credit. Is it the same as Amex that you have to select a specific airline? Or can you use this credit with multiple airlines till you hit the $300 credit?

@TheCreditFrog 11 ай бұрын

@@Leoprieto74 I’m fairly certain that you don’t have to select one airline and you can use this credit n multiple airlines without issue. I need to look at the terms to see if there are any exceptions for certain domestic or international options though.

@Leoprieto74 11 ай бұрын

@@TheCreditFrog oh, nice. Even better. I may move the date to next month to apply for the Chase Marriott Boundless to start the clock.