The Ritz-Carlton Credit Card or Chase Sapphire Preferred?

Chase Sapphire Preferred returns $455 over its fee and The Ritz-Carlton Credit Card returns $120, so the fee difference comes down to which categories you use.

The Ritz-Carlton Credit CardChase · $450 fee · 2 credits

Chase Sapphire PreferredChase · $95 fee · 5 credits

NET VALUE-$120$330 credits

NET VALUE+$455$550 credits

CATEGORY	THE RITZ-CARLTON CREDIT CARD	SAPPHIRE PREFERRED
🌎Travel	$300	$100
🍽️Food & Dining	—	$240
🎭Entertainment & Media	—	$180
Hotel Free Night Certificates	Marriott 85k Free Night	—
Lounge Access	Chase Sapphire Lounge Access Priority Pass Select (No Restaurants)	—
Total credits	$330	$550
Annual fee	$450	$95
Net value	-$120	+$455

CHASEThe Ritz-Carlton Credit Card

FEE$450

CREDITS$330

NET-$120

Category wins1 of 3

ADDITIONAL BENEFITS

HOTEL FREE NIGHT CERTIFICATES

Marriott 85k Free Night

LOUNGE ACCESS

Chase Sapphire Lounge Access

Priority Pass Select (No Restaurants)

BEST NET VALUE

CHASEChase Sapphire Preferred

FEE$95

CREDITS$550

NET+$455

Category wins2 of 3

TAKE THE THE RITZ-CARLTON CREDIT CARD IF

You use travel.

TAKE THE SAPPHIRE PREFERRED IF

You use food & dining, entertainment & media. Food & Dining and Entertainment & Media alone are worth $420 here and nothing on the The Ritz-Carlton Credit Card.

Where to use each card

THE RITZ-CARLTON CREDIT CARD

🛫

Airport Lounges48 LOCATIONS

Browse →

SAPPHIRE PREFERRED

No partner maps yet

Track what you useAdd your card and mark the credits you collect. The calculator does the rest.

Start tracking free

Frequently asked questions

Which is better, The Ritz-Carlton Credit Card or Chase Sapphire Preferred?

The Chase Sapphire Preferred is better with $455 net annual value compared to the Ritz-Carlton Credit Card at -$120. The Chase Sapphire Preferred wins by $575/year.

What's the difference between The Ritz-Carlton Credit Card and Chase Sapphire Preferred?

The key differences: The Ritz-Carlton Credit Card has a $450 annual fee and $550 in annual benefits, while Chase Sapphire Preferred has a $95 annual fee and $330 in annual benefits. The annual fee difference is $355.

Which has a lower annual fee, The Ritz-Carlton Credit Card or Chase Sapphire Preferred?

The Chase Sapphire Preferred has a lower annual fee at $95 compared to the Ritz-Carlton Credit Card at $450. However, the Ritz-Carlton Credit Card offers $330 in total annual benefits.

Is the Chase Sapphire Preferred worth it compared to the Ritz-Carlton Credit Card?

Yes, the Chase Sapphire Preferred offers better value with $455 net annual value compared to -$120 for the Ritz-Carlton Credit Card. It also has a lower annual fee.

Which card is better for food_and_dining?

The Chase Sapphire Preferred is better for food_and_dining with $240 in annual food_and_dining benefits compared to $0 for the Ritz-Carlton Credit Card.

Should I get the Chase Sapphire Preferred?

If you're deciding between the Ritz-Carlton Credit Card and Chase Sapphire Preferred, the Chase Sapphire Preferred is the better choice with $455 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.