Is the Ritz-Carlton Credit Card (Chase) — legacy worth it in 2026?

Keep it+$349 year one

Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math.

Assumes you use every recurring credit and value points at 2.0¢. Adjust for your spend in the calculator →

The year-one math

Welcome bonusno current offer: —
Recurring credits (if fully used): +$799
Annual fee: −$450
Year-one value: +$349
Ongoing (year 2+, no bonus)credits − fee: +$349

Recurring credits

Airline Incidental Credit$300/yr
Global Entry / TSA PreCheck$30/yr
Priority Pass Select$469/yr

Track the Ritz-Carlton Credit Card (Chase) — legacy in PointsCraft

Track every recurring credit and get this verdict on your real usage in the iOS app.

iOS app coming soon

FAQ

Is the Ritz-Carlton Credit Card (Chase) — legacy worth it in 2026?

Keep it. Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math. This assumes you use every recurring credit and value points at 2.0¢ — adjust both in the calculator for your own situation.

Should I cancel my Ritz-Carlton Credit Card (Chase) — legacy?

Probably not on the numbers alone — the recurring credits ($799/yr) already cover the $450 fee, so it pays for itself in year 2+ if you use them.

How is "worth it" calculated?

Year-one value = welcome bonus value (points × cents-per-point) + the annualized value of the card's recurring credits − the annual fee. It's the same model the PointsCraft iOS app uses to show what your wallet is actually worth.