The Ritz-Carlton Credit Card or Chase United Club?

Chase United Club returns $119 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 United ClubChase · $695 fee · 5 credits

NET VALUE-$120$330 credits

NET VALUE+$119$814 credits

CATEGORY	THE RITZ-CARLTON CREDIT CARD	UNITED CLUB
🌎Travel	$300	$400
🍽️Food & Dining	—	$240
🚗Transportation	—	$144
Hotel Free Night Certificates	Marriott 85k Free Night	—
Lounge Access	Chase Sapphire Lounge Access Priority Pass Select (No Restaurants)	United Club Membership
Total credits	$330	$814
Annual fee	$450	$695
Net value	-$120	+$119

CHASEThe Ritz-Carlton Credit Card

FEE$450

CREDITS$330

NET-$120

Category wins0 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 United Club

FEE$695

CREDITS$814

NET+$119

Category wins3 of 3

ADDITIONAL BENEFITS

LOUNGE ACCESS

United Club Membership

TAKE THE UNITED CLUB IF

You use travel, food & dining, transportation. Food & Dining and Transportation alone are worth $384 here and nothing on the The Ritz-Carlton Credit Card.

Where to use each card

THE RITZ-CARLTON CREDIT CARD

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Airport Lounges48 LOCATIONS

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UNITED CLUB

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Frequently asked questions

Which is better, The Ritz-Carlton Credit Card or Chase United Club?

The Chase United Club is better with $119 net annual value compared to the Ritz-Carlton Credit Card at -$120. The Chase United Club wins by $239/year.

What's the difference between The Ritz-Carlton Credit Card and Chase United Club?

The key differences: Chase United Club has a $695 annual fee and $814 in annual benefits, while The Ritz-Carlton Credit Card has a $450 annual fee and $330 in annual benefits. The annual fee difference is $245.

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

The Ritz-Carlton Credit Card has a lower annual fee at $450 compared to the Chase United Club at $695. However, the Chase United Club offers $814 in total annual benefits.

Is the Chase United Club worth it compared to the Ritz-Carlton Credit Card?

Yes, the Chase United Club offers better value with $119 net annual value compared to -$120 for the Ritz-Carlton Credit Card. Even though it has a higher annual fee ($695 vs $450), the Chase United Club provides more total benefits.

Which card is better for food_and_dining?

The Chase United Club 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 United Club?

If you're deciding between the Ritz-Carlton Credit Card and Chase United Club, the Chase United Club is the better choice with $119 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.