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Credit Card Coups
COMPARE/THE RITZ-CARLTON CREDIT CARD VS SAPPHIRE RESERVE
FIRST CARD
SECOND CARD

The Ritz-Carlton Credit Card or Chase Sapphire Reserve?

Chase Sapphire Reserve returns $2,348 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 Card
The Ritz-Carlton Credit CardChase · $450 fee · 2 credits
Chase Sapphire Reserve
Chase Sapphire ReserveChase · $795 fee · 13 credits
NET VALUE-$120$330 credits
NET VALUE+$2,348$3,143 credits
The Ritz-Carlton Credit Card
CHASEThe Ritz-Carlton Credit Card
FEE$450
CREDITS$330
NET-$120
Category wins0 of 5
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
Marriott 85k Free Night
LOUNGE ACCESS
Chase Sapphire Lounge Access
Priority Pass Select (No Restaurants)
BEST NET VALUE
Chase Sapphire Reserve
CHASEChase Sapphire Reserve
FEE$795
CREDITS$3,143
NET+$2,348
Category wins5 of 5
ADDITIONAL BENEFITS
LOUNGE ACCESS
Air Canada Lounge Access
Chase Sapphire Lounge Access
Priority Pass Select (No Restaurants)
TAKE THE SAPPHIRE RESERVE IF

You use travel, food & dining, entertainment & media, or any of its 5 winning categories. Food & Dining and Entertainment & Media and Lifestyle and Transportation alone are worth $2,063 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 RESERVE
🍽️
Chase Exclusive Tables Restaurants413 LOCATIONS
Browse →
🛫
Airport Lounges48 LOCATIONS
Browse →
Track what you useAdd your card and mark the credits you collect. The calculator does the rest.
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Frequently asked questions

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

The Chase Sapphire Reserve is better with $2,348 net annual value compared to the Ritz-Carlton Credit Card at -$120. The Chase Sapphire Reserve wins by $2,468/year.

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

The key differences: Chase Sapphire Reserve has a $795 annual fee and $3,143 in annual benefits, while The Ritz-Carlton Credit Card has a $450 annual fee and $330 in annual benefits. The annual fee difference is $345.

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

The Ritz-Carlton Credit Card has a lower annual fee at $450 compared to the Chase Sapphire Reserve at $795. However, the Chase Sapphire Reserve offers $3,143 in total annual benefits.

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

Yes, the Chase Sapphire Reserve offers better value with $2,348 net annual value compared to -$120 for the Ritz-Carlton Credit Card. Even though it has a higher annual fee ($795 vs $450), the Chase Sapphire Reserve provides more total benefits.

Which card is better for food_and_dining?

The Chase Sapphire Reserve is better for food_and_dining with $840 in annual food_and_dining benefits compared to $0 for the Ritz-Carlton Credit Card.

Should I get the Chase Sapphire Reserve?

If you're deciding between the Ritz-Carlton Credit Card and Chase Sapphire Reserve, the Chase Sapphire Reserve is the better choice with $2,348 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.

Other comparisons

NET VALUE SHOWN FOR EACH
American Express Platinum+$2,109
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Platinum+$2,109
VS
Capital One Venture X-$65
See the breakdown →
Capital One Venture X-$65
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Business Platinum+$1,284
VS
Chase Sapphire Reserve for Business+$1,155
See the breakdown →
American Express Delta SkyMiles Reserve-$60
VS
Chase United Quest+$456
See the breakdown →
American Express Gold+$99
VS
American Express Platinum+$2,109
See the breakdown →

MORE THE RITZ-CARLTON CREDIT CARD COMPARISONS

MORE SAPPHIRE RESERVE COMPARISONS