Net Monetary Value
Pros & Cons
If you’re a luxury seeker, the Ritz-Carlton Rewards credit card allows you to earn points on stays and purchases within Ritz-Carlton hotels as well as partner hotels (Marriott). You can earn points on purchases made online, car rentals, and restaurants. Every year, you are rewarded with travel credit to use against baggage fees, seat upgrades, and more. Based on how many you earn throughout the year, cardholders are awarded bonus points. The annual fee for the card is $450 but there are no foreign transaction fees.
No Foreign Transaction Fee
No First Year Annual Fee Waiver
16.49% – 23.49%
Based in New York City, Chase is one of the credit card issuers in the United States. The bank is both commercial and consumer based and is part of the JPMorgan Chase & Co. In 2014, Chase received 884 customer complaints with all of these being dealt with in a timely manner. 74% of these complaints were resolved to the customer’s satisfaction. The bank has a strong presence on both coasts and in the southwest region of the US.