{"id":799,"date":"2025-12-16T12:25:19","date_gmt":"2025-12-16T20:25:19","guid":{"rendered":"https:\/\/seattletravelpointsclub.com\/?p=799"},"modified":"2025-12-16T12:46:29","modified_gmt":"2025-12-16T20:46:29","slug":"why-i-upgraded-to-the-ritz-carlton-credit-card","status":"publish","type":"post","link":"https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/","title":{"rendered":"Why I Upgraded to the Ritz-Carlton Credit Card"},"content":{"rendered":"\n<p><strong>85K Free Night + $300 Airline Credit + FREE Priority Pass for All My Kids<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"760\" height=\"624\" src=\"https:\/\/seattletravelpointsclub.com\/wp-content\/uploads\/2025\/12\/ritzhotel.jpg\" alt=\"\" class=\"wp-image-805\" srcset=\"https:\/\/seattletravelpointsclub.com\/wp-content\/uploads\/2025\/12\/ritzhotel.jpg 760w, https:\/\/seattletravelpointsclub.com\/wp-content\/uploads\/2025\/12\/ritzhotel-300x246.jpg 300w\" sizes=\"auto, (max-width: 760px) 100vw, 760px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>A Travel Points Move That Actually Makes Sense<\/strong><\/h2>\n\n\n\n<p>One of the most <strong>underrated upgrades<\/strong> in the points-and-miles world is moving from the <strong>Chase Marriott Bonvoy Boundless<\/strong> to the <strong>Ritz-Carlton Credit Card<\/strong>.<\/p>\n\n\n\n<p>This card isn\u2019t available to new applicants \u2014 the <em>only<\/em> way to get it is by upgrading an existing Chase Marriott card. After sitting on the decision for a while, I finally pulled the trigger\u2026 and I\u2019m glad I did.<\/p>\n\n\n\n<p>Here\u2019s exactly why this upgrade made sense for <strong>my travel style, my family, and my long-term strategy<\/strong>.<\/p>\n\n\n\n<p>Here is the Video<\/p>\n\n\n\n<p><a href=\"https:\/\/www.youtube.com\/watch?v=inZbVvHPQFc\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.youtube.com\/watch?v=inZbVvHPQFc<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. The 85K Annual Free Night Certificate (The Real Star)<\/strong><\/h2>\n\n\n\n<p>The Boundless card comes with a 35K free night certificate.<br>The Ritz-Carlton card upgrades that to a <strong>massive 85K Free Night Award every year<\/strong>.<\/p>\n\n\n\n<p>That\u2019s the difference between:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A solid mid-tier Marriott<br><strong>versus<\/strong><\/li>\n\n\n\n<li>A true luxury property in places like <strong>Tokyo, Maui, Rome, or New York<\/strong>, where nightly rates regularly run <strong>$600\u2013$1,000+<\/strong><\/li>\n<\/ul>\n\n\n\n<p>For me, this certificate alone more than offsets the annual fee. It\u2019s essentially buying a luxury hotel night at a deep discount every single year.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. $300 Airline Incidentals Credit \u2014 And I Used Every Dollar<\/strong><\/h2>\n\n\n\n<p>This is one of the easiest airline credits to use because it applies to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Seat selection<\/li>\n\n\n\n<li>Baggage fees<\/li>\n\n\n\n<li>Onboard food<\/li>\n\n\n\n<li>Other incidental airline charges<\/li>\n<\/ul>\n\n\n\n<p>This summer, I used the <strong>entire $300 credit<\/strong> to pay for <strong>Air France exit-row seats<\/strong> for a family trip to Rome \u2014 for four people.<\/p>\n\n\n\n<p>No tricks. No complicated redemptions. Just real savings on a cost I was going to pay anyway.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. The \u201cSecret\u201d Benefit: Unlimited Free Authorized Users with Priority Pass<\/strong><\/h2>\n\n\n\n<p>This is the benefit that truly pushed me over the edge.<\/p>\n\n\n\n<p>The Ritz-Carlton card allows you to add <strong>unlimited Authorized Users for free<\/strong>, and <strong>each AU gets their own full Priority Pass membership<\/strong> \u2014 including lounge access and guesting.<\/p>\n\n\n\n<p>No added fees. No caps.<\/p>\n\n\n\n<p>I have four kids (all adults now), and I want them to have lounge access when they travel \u2014 whether it\u2019s domestic or international. My <strong>Venture X is still a great card<\/strong>, but it now charges for Priority Pass access for Authorized Users.<\/p>\n\n\n\n<p>For a family like ours, the Ritz card instantly became the better long-term solution.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. I\u2019m Not Using the Ritz as an Earning Card \u2014 And That\u2019s Intentional<\/strong><\/h2>\n\n\n\n<p>This card isn\u2019t part of my everyday spend strategy.<\/p>\n\n\n\n<p>I\u2019m still using:<\/p>\n\n\n\n<p>Chase Ink Trifecta<br>Amex Gold<br>Venture X<br>\u2026to earn points.<\/p>\n\n\n\n<p>The Ritz-Carlton card is strictly a <strong>benefits card<\/strong> for me. I\u2019m paying the annual fee because I consistently get value from:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The <strong>85K free night<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li>The <strong>$300 airline credit<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Unlimited Priority Pass for my family<\/strong><strong><br><\/strong><\/li>\n<\/ul>\n\n\n\n<p>Even if I never earned a single point on this card, the value would still far outweigh the cost.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5. Why This Upgrade Is Perfect for Families or Group Travelers<\/strong><\/h2>\n\n\n\n<p>If you regularly travel with:<br>\u2714\ufe0f Kids<br>\u2714\ufe0f Young adults<br>\u2714\ufe0f Extended family<br>\u2714\ufe0f Friends<\/p>\n\n\n\n<p>This card pays for itself quickly.<\/p>\n\n\n\n<p>Lounge access for everyone, premium seat selection, and a high-value free night each year dramatically improves the travel experience \u2014 without dramatically increasing costs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Final Thoughts: Was the Upgrade Worth It? Absolutely.<\/strong><\/h2>\n\n\n\n<p>For me, the <strong>Ritz-Carlton Credit Card<\/strong> isn\u2019t about earning points \u2014 it\u2019s about <strong>travel perks that actually matter<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A luxury free night every year<br><\/li>\n\n\n\n<li>$300 back on airline charges I\u2019d pay anyway<br><\/li>\n\n\n\n<li>Lounge access for my entire family<br><\/li>\n\n\n\n<li>No new credit pull and I keep my Chase account history<br><\/li>\n<\/ul>\n\n\n\n<p>It\u2019s one of the rare premium cards where the value is <strong>guaranteed<\/strong>, not theoretical.<\/p>\n\n\n\n<p>#seattletravelpointsclub #ritzcreditcard #marriottbonvoy #creditcardhacks #pointsandmiles<\/p>\n","protected":false},"excerpt":{"rendered":"<p>85K Free Night + $300 Airline Credit + FREE Priority Pass for All My Kids A Travel Points Move That Actually Makes Sense One of the most underrated upgrades in the points-and-miles world is moving from the Chase Marriott Bonvoy Boundless to the Ritz-Carlton Credit Card. This card isn\u2019t available to new applicants \u2014 the only way to get it is by upgrading an existing Chase Marriott card. After sitting on the decision for a while, I finally pulled the trigger\u2026 and I\u2019m glad I did. Here\u2019s exactly why this upgrade made sense for my travel style, my family, and my long-term strategy. Here is the Video https:\/\/www.youtube.com\/watch?v=inZbVvHPQFc 1. The 85K Annual Free Night Certificate (The Real Star) The Boundless card comes with a 35K free night certificate.The Ritz-Carlton card upgrades that to a massive 85K Free Night Award every year. That\u2019s the difference between: For me, this certificate alone more than offsets the annual fee. It\u2019s essentially buying a luxury hotel night at a deep discount every single year. 2. $300 Airline Incidentals Credit \u2014 And I Used Every Dollar This is one of the easiest airline credits to use because it applies to: This summer, I used the entire $300 credit to pay for Air France exit-row seats for a family trip to Rome \u2014 for four people. No tricks. No complicated redemptions. Just real savings on a cost I was going to pay anyway. 3. The \u201cSecret\u201d Benefit: Unlimited Free Authorized Users with Priority Pass This is the benefit that truly pushed me over the edge. The Ritz-Carlton card allows you to add unlimited Authorized Users for free, and each AU gets their own full Priority Pass membership \u2014 including lounge access and guesting. No added fees. No caps. I have four kids (all adults now), and I want them to have lounge access when they travel \u2014 whether it\u2019s domestic or international. My Venture X is still a great card, but it now charges for Priority Pass access for Authorized Users. For a family like ours, the Ritz card instantly became the better long-term solution. 4. I\u2019m Not Using the Ritz as an Earning Card \u2014 And That\u2019s Intentional This card isn\u2019t part of my everyday spend strategy. I\u2019m still using: Chase Ink TrifectaAmex GoldVenture X\u2026to earn points. The Ritz-Carlton card is strictly a benefits card for me. I\u2019m paying the annual fee because I consistently get value from: Even if I never earned a single point on this card, the value would still far outweigh the cost. 5. Why This Upgrade Is Perfect for Families or Group Travelers If you regularly travel with:\u2714\ufe0f Kids\u2714\ufe0f Young adults\u2714\ufe0f Extended family\u2714\ufe0f Friends This card pays for itself quickly. Lounge access for everyone, premium seat selection, and a high-value free night each year dramatically improves the travel experience \u2014 without dramatically increasing costs. Final Thoughts: Was the Upgrade Worth It? Absolutely. For me, the Ritz-Carlton Credit Card isn\u2019t about earning points \u2014 it\u2019s about travel perks that actually matter: It\u2019s one of the rare premium cards where the value is guaranteed, not theoretical. #seattletravelpointsclub #ritzcreditcard #marriottbonvoy #creditcardhacks #pointsandmiles<\/p>\n","protected":false},"author":1,"featured_media":804,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1,24,8],"tags":[19,14,13,15,16,22],"class_list":["post-799","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-lounges","category-travel","tag-blog","tag-credit-card","tag-hotel","tag-points","tag-travel","tag-travel-points"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why I Upgraded to the Ritz-Carlton Credit Card - Seattle Travel Points Club<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why I Upgraded to the Ritz-Carlton Credit Card - Seattle Travel Points Club\" \/>\n<meta property=\"og:description\" content=\"85K Free Night + $300 Airline Credit + FREE Priority Pass for All My Kids A Travel Points Move That Actually Makes Sense One of the most underrated upgrades in the points-and-miles world is moving from the Chase Marriott Bonvoy Boundless to the Ritz-Carlton Credit Card. This card isn\u2019t available to new applicants \u2014 the only way to get it is by upgrading an existing Chase Marriott card. After sitting on the decision for a while, I finally pulled the trigger\u2026 and I\u2019m glad I did. Here\u2019s exactly why this upgrade made sense for my travel style, my family, and my long-term strategy. Here is the Video https:\/\/www.youtube.com\/watch?v=inZbVvHPQFc 1. The 85K Annual Free Night Certificate (The Real Star) The Boundless card comes with a 35K free night certificate.The Ritz-Carlton card upgrades that to a massive 85K Free Night Award every year. That\u2019s the difference between: For me, this certificate alone more than offsets the annual fee. It\u2019s essentially buying a luxury hotel night at a deep discount every single year. 2. $300 Airline Incidentals Credit \u2014 And I Used Every Dollar This is one of the easiest airline credits to use because it applies to: This summer, I used the entire $300 credit to pay for Air France exit-row seats for a family trip to Rome \u2014 for four people. No tricks. No complicated redemptions. Just real savings on a cost I was going to pay anyway. 3. The \u201cSecret\u201d Benefit: Unlimited Free Authorized Users with Priority Pass This is the benefit that truly pushed me over the edge. The Ritz-Carlton card allows you to add unlimited Authorized Users for free, and each AU gets their own full Priority Pass membership \u2014 including lounge access and guesting. No added fees. No caps. I have four kids (all adults now), and I want them to have lounge access when they travel \u2014 whether it\u2019s domestic or international. My Venture X is still a great card, but it now charges for Priority Pass access for Authorized Users. For a family like ours, the Ritz card instantly became the better long-term solution. 4. I\u2019m Not Using the Ritz as an Earning Card \u2014 And That\u2019s Intentional This card isn\u2019t part of my everyday spend strategy. I\u2019m still using: Chase Ink TrifectaAmex GoldVenture X\u2026to earn points. The Ritz-Carlton card is strictly a benefits card for me. I\u2019m paying the annual fee because I consistently get value from: Even if I never earned a single point on this card, the value would still far outweigh the cost. 5. Why This Upgrade Is Perfect for Families or Group Travelers If you regularly travel with:\u2714\ufe0f Kids\u2714\ufe0f Young adults\u2714\ufe0f Extended family\u2714\ufe0f Friends This card pays for itself quickly. Lounge access for everyone, premium seat selection, and a high-value free night each year dramatically improves the travel experience \u2014 without dramatically increasing costs. Final Thoughts: Was the Upgrade Worth It? Absolutely. For me, the Ritz-Carlton Credit Card isn\u2019t about earning points \u2014 it\u2019s about travel perks that actually matter: It\u2019s one of the rare premium cards where the value is guaranteed, not theoretical. #seattletravelpointsclub #ritzcreditcard #marriottbonvoy #creditcardhacks #pointsandmiles\" \/>\n<meta property=\"og:url\" content=\"https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/\" \/>\n<meta property=\"og:site_name\" content=\"Seattle Travel Points Club\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-16T20:25:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-16T20:46:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/seattletravelpointsclub.com\/wp-content\/uploads\/2025\/12\/ritzcc.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"324\" \/>\n\t<meta property=\"og:image:height\" content=\"198\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"seattletravelpointsclub.com\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"seattletravelpointsclub.com\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/\",\"url\":\"https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/\",\"name\":\"Why I Upgraded to the Ritz-Carlton Credit Card - Seattle Travel Points Club\",\"isPartOf\":{\"@id\":\"https:\/\/seattletravelpointsclub.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/seattletravelpointsclub.com\/wp-content\/uploads\/2025\/12\/ritzcc.jpg\",\"datePublished\":\"2025-12-16T20:25:19+00:00\",\"dateModified\":\"2025-12-16T20:46:29+00:00\",\"author\":{\"@id\":\"https:\/\/seattletravelpointsclub.com\/#\/schema\/person\/9f79c3341006e96f31e24ad1b35d5eb2\"},\"breadcrumb\":{\"@id\":\"https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/#primaryimage\",\"url\":\"https:\/\/seattletravelpointsclub.com\/wp-content\/uploads\/2025\/12\/ritzcc.jpg\",\"contentUrl\":\"https:\/\/seattletravelpointsclub.com\/wp-content\/uploads\/2025\/12\/ritzcc.jpg\",\"width\":324,\"height\":198},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/seattletravelpointsclub.com\/index.php\/home-page\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Why I Upgraded to the Ritz-Carlton Credit Card\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/seattletravelpointsclub.com\/#website\",\"url\":\"https:\/\/seattletravelpointsclub.com\/\",\"name\":\"Seattle Travel Points Club\",\"description\":\"Maximize your travel experiences with Seattle Travel Points Club\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/seattletravelpointsclub.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/seattletravelpointsclub.com\/#\/schema\/person\/9f79c3341006e96f31e24ad1b35d5eb2\",\"name\":\"seattletravelpointsclub.com\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/seattletravelpointsclub.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1827fd89f19fb6099b79d1f56ba861f19bf343dd8ae1888e01964803393bb53c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1827fd89f19fb6099b79d1f56ba861f19bf343dd8ae1888e01964803393bb53c?s=96&d=mm&r=g\",\"caption\":\"seattletravelpointsclub.com\"},\"sameAs\":[\"http:\/\/seattletravelpointsclub.com\"],\"url\":\"https:\/\/seattletravelpointsclub.com\/index.php\/author\/seattletravelpointsclub-com\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Why I Upgraded to the Ritz-Carlton Credit Card - Seattle Travel Points Club","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/","og_locale":"en_US","og_type":"article","og_title":"Why I Upgraded to the Ritz-Carlton Credit Card - Seattle Travel Points Club","og_description":"85K Free Night + $300 Airline Credit + FREE Priority Pass for All My Kids A Travel Points Move That Actually Makes Sense One of the most underrated upgrades in the points-and-miles world is moving from the Chase Marriott Bonvoy Boundless to the Ritz-Carlton Credit Card. This card isn\u2019t available to new applicants \u2014 the only way to get it is by upgrading an existing Chase Marriott card. After sitting on the decision for a while, I finally pulled the trigger\u2026 and I\u2019m glad I did. Here\u2019s exactly why this upgrade made sense for my travel style, my family, and my long-term strategy. Here is the Video https:\/\/www.youtube.com\/watch?v=inZbVvHPQFc 1. The 85K Annual Free Night Certificate (The Real Star) The Boundless card comes with a 35K free night certificate.The Ritz-Carlton card upgrades that to a massive 85K Free Night Award every year. That\u2019s the difference between: For me, this certificate alone more than offsets the annual fee. It\u2019s essentially buying a luxury hotel night at a deep discount every single year. 2. $300 Airline Incidentals Credit \u2014 And I Used Every Dollar This is one of the easiest airline credits to use because it applies to: This summer, I used the entire $300 credit to pay for Air France exit-row seats for a family trip to Rome \u2014 for four people. No tricks. No complicated redemptions. Just real savings on a cost I was going to pay anyway. 3. The \u201cSecret\u201d Benefit: Unlimited Free Authorized Users with Priority Pass This is the benefit that truly pushed me over the edge. The Ritz-Carlton card allows you to add unlimited Authorized Users for free, and each AU gets their own full Priority Pass membership \u2014 including lounge access and guesting. No added fees. No caps. I have four kids (all adults now), and I want them to have lounge access when they travel \u2014 whether it\u2019s domestic or international. My Venture X is still a great card, but it now charges for Priority Pass access for Authorized Users. For a family like ours, the Ritz card instantly became the better long-term solution. 4. I\u2019m Not Using the Ritz as an Earning Card \u2014 And That\u2019s Intentional This card isn\u2019t part of my everyday spend strategy. I\u2019m still using: Chase Ink TrifectaAmex GoldVenture X\u2026to earn points. The Ritz-Carlton card is strictly a benefits card for me. I\u2019m paying the annual fee because I consistently get value from: Even if I never earned a single point on this card, the value would still far outweigh the cost. 5. Why This Upgrade Is Perfect for Families or Group Travelers If you regularly travel with:\u2714\ufe0f Kids\u2714\ufe0f Young adults\u2714\ufe0f Extended family\u2714\ufe0f Friends This card pays for itself quickly. Lounge access for everyone, premium seat selection, and a high-value free night each year dramatically improves the travel experience \u2014 without dramatically increasing costs. Final Thoughts: Was the Upgrade Worth It? Absolutely. For me, the Ritz-Carlton Credit Card isn\u2019t about earning points \u2014 it\u2019s about travel perks that actually matter: It\u2019s one of the rare premium cards where the value is guaranteed, not theoretical. #seattletravelpointsclub #ritzcreditcard #marriottbonvoy #creditcardhacks #pointsandmiles","og_url":"https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/","og_site_name":"Seattle Travel Points Club","article_published_time":"2025-12-16T20:25:19+00:00","article_modified_time":"2025-12-16T20:46:29+00:00","og_image":[{"width":324,"height":198,"url":"https:\/\/seattletravelpointsclub.com\/wp-content\/uploads\/2025\/12\/ritzcc.jpg","type":"image\/jpeg"}],"author":"seattletravelpointsclub.com","twitter_card":"summary_large_image","twitter_misc":{"Written by":"seattletravelpointsclub.com","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/","url":"https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/","name":"Why I Upgraded to the Ritz-Carlton Credit Card - Seattle Travel Points Club","isPartOf":{"@id":"https:\/\/seattletravelpointsclub.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/#primaryimage"},"image":{"@id":"https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/seattletravelpointsclub.com\/wp-content\/uploads\/2025\/12\/ritzcc.jpg","datePublished":"2025-12-16T20:25:19+00:00","dateModified":"2025-12-16T20:46:29+00:00","author":{"@id":"https:\/\/seattletravelpointsclub.com\/#\/schema\/person\/9f79c3341006e96f31e24ad1b35d5eb2"},"breadcrumb":{"@id":"https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/#primaryimage","url":"https:\/\/seattletravelpointsclub.com\/wp-content\/uploads\/2025\/12\/ritzcc.jpg","contentUrl":"https:\/\/seattletravelpointsclub.com\/wp-content\/uploads\/2025\/12\/ritzcc.jpg","width":324,"height":198},{"@type":"BreadcrumbList","@id":"https:\/\/seattletravelpointsclub.com\/index.php\/2025\/12\/16\/why-i-upgraded-to-the-ritz-carlton-credit-card\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/seattletravelpointsclub.com\/index.php\/home-page\/"},{"@type":"ListItem","position":2,"name":"Why I Upgraded to the Ritz-Carlton Credit Card"}]},{"@type":"WebSite","@id":"https:\/\/seattletravelpointsclub.com\/#website","url":"https:\/\/seattletravelpointsclub.com\/","name":"Seattle Travel Points Club","description":"Maximize your travel experiences with Seattle Travel Points Club","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/seattletravelpointsclub.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/seattletravelpointsclub.com\/#\/schema\/person\/9f79c3341006e96f31e24ad1b35d5eb2","name":"seattletravelpointsclub.com","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/seattletravelpointsclub.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/1827fd89f19fb6099b79d1f56ba861f19bf343dd8ae1888e01964803393bb53c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/1827fd89f19fb6099b79d1f56ba861f19bf343dd8ae1888e01964803393bb53c?s=96&d=mm&r=g","caption":"seattletravelpointsclub.com"},"sameAs":["http:\/\/seattletravelpointsclub.com"],"url":"https:\/\/seattletravelpointsclub.com\/index.php\/author\/seattletravelpointsclub-com\/"}]}},"_links":{"self":[{"href":"https:\/\/seattletravelpointsclub.com\/index.php\/wp-json\/wp\/v2\/posts\/799","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/seattletravelpointsclub.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/seattletravelpointsclub.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/seattletravelpointsclub.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/seattletravelpointsclub.com\/index.php\/wp-json\/wp\/v2\/comments?post=799"}],"version-history":[{"count":8,"href":"https:\/\/seattletravelpointsclub.com\/index.php\/wp-json\/wp\/v2\/posts\/799\/revisions"}],"predecessor-version":[{"id":813,"href":"https:\/\/seattletravelpointsclub.com\/index.php\/wp-json\/wp\/v2\/posts\/799\/revisions\/813"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/seattletravelpointsclub.com\/index.php\/wp-json\/wp\/v2\/media\/804"}],"wp:attachment":[{"href":"https:\/\/seattletravelpointsclub.com\/index.php\/wp-json\/wp\/v2\/media?parent=799"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/seattletravelpointsclub.com\/index.php\/wp-json\/wp\/v2\/categories?post=799"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/seattletravelpointsclub.com\/index.php\/wp-json\/wp\/v2\/tags?post=799"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}