Tag Archives: Ritz Carlton

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PSA: Confirm Retention Offer Statement Credit or Bonus Points Post to your Account – If Not, Follow Up

Good afternoon everyone.  At the end of every year, I write a post like I Paid $4,043 in Credit Card Annual Fees in 2022 – Was it Worth it?  In that post, I shared how much I paid in credit card annual fees and how much value I received from credit card benefits, targeted spending offers, and retention offers.  99% of the time, I get more value out of a credit card than the cost of the annual fee (otherwise I would have closed or downgraded to a cheaper or no annual fee credit card).  One of the key parts of my credit card strategy is to call every time a credit card annual fee posts to my account. 90% of the time, I do not get any retention offer or a retention offer that does not excite me (like 0% APR for 12 months or 0% balance transfers).  But about 10% of the time, I do get a decent retention offer that I happily accept.  Like the old saying goes, you miss 100% of the shots you do not take.

Most of the time, the retention offer will post within a few weeks or by the time the next credit card statement closes.  But sometimes it doesn’t, so you may need to follow up to see what is going on.  This is exactly what happened to me regarding 2 retention offers I recently received from Chase.  I called in early July about the $450 annual fee on my JPMorgan Chase Ritz Carlton Credit Card and explained that I was considering closing the credit card because the annual fee posted and I wasn’t getting enough value out of the credit card.  The rep looked at the retention offers and said they could offer me a $150 statement credit if I kept the credit card open and paid the annual fee.  I happily accepted the offer and patiently waited for the $150 statement credit to post.  Unfortunately, nothing happened for 2 full months.

I called Chase in mid September and asked about the $150 retention offer and the agent said that they see the $150 retention offer statement credit as an option, but that the button to accept the offer was not pressed / selected.  The rep was able to click / accept the offer and said that the $150 statement credit would appear in the next few weeks.  A few days after the call, the $150 statement credit posted on September 18.

Mini Rant: I hate that a $150 statement credit on my Ritz Carlton credit card causes me to lose 300 Marriott Bonvoy points.  I didn’t earn any points when I paid the $450 annual fee, so why am I paying 300 points when I receive a $150 statement credit?

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JPMorgan Chase Ritz Carlton Credit Card: Redeem $300 Travel Credit for Restaurants & Grocery Stores via Secure Message

Good morning everyone, happy Friday!  Earlier this month, Frequent Miler wrote Ritz card: Double Dip Restaurants 10X + $300. In that post, Greg covered 2 overlapping promotions available on the JPMorgan Chase Ritz Carlton Visa Infinite Credit Card:

  • Earn 10x Marriott Bonvoy Points at restaurants and gas stations through September 30, 2020
  • Use the $300 annual travel credit to reimburse purchases made at grocery stores and restaurants though December 31, 2020

Before the Coronavirus Pandemic, I used $84.67 of my $300 annual travel credit, so I still had $215.33 remaining that I needed to use by December 31, 2020.  With the above information in mind, I decided to use my Ritz Carlton Credit Card for purchases at grocery stores and restaurants until I spent at least $215.33.  I made the necessary purchases and clicked the pie chart icon to confirm that the purchases fell into the right categories.

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My June 1 Checklist of Credit Card Credits (Shipping, Wireless, Restaurants, Groceries & More)

Updated 12:50pm PT on 6/6: My $300 travel credit on the Chase Sapphire Reserve doesn’t reset until October.  See details below.

Updated 11:00am PT on 6/5: I tested the $250 Hilton Resort Credit on a restaurant purchase and the statement credit posted in 3 days.  See details below.

Updated 11:30am PT on 6/3: The $325 travel credit on the US Bank Altitude Reserve can now be used for restaurant purchases from 6/1 – 12/31.  See details below.

Good morning everyone, I hope you had a good weekend.  Today is June 1 and the start of a new month.  As the saying goes: New Month = New Credits.  I have several credit cards, but these are the 5 credit cards that have credits that I can use this month:

American Express Business Platinum Card

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Upgraded JPMorgan Chase Ritz Carlton Visa Infinite Credit Card $300 Annual Travel Credit for 2019 Still Available

Good morning everyone, I hope you had a great Thanksgiving, Black Friday, Small Business Saturday, Cyber Monday and any other holiday in between that I missed.  A few weeks ago, I wrote Why Did I Upgrade my Chase Marriott Bonvoy Boundless Visa Signature to JPMorgan Chase Ritz Carlton Visa Infinite?  In that post, I went through all the card benefits and explained why this card was interesting to me.  One of the key features of this card is the $300 annual travel credit.  Accord to the terms and condition, the $300 Annual Travel Credit can be used for the following purchases, “airline lounge day pass, or towards a yearly lounge membership of your choice; airline seat upgrades; airline baggage fees; in-flight Internet/entertainment; in-flight meals.”

Since I still had a few weeks left in the year, I called JPMorgan Chase and asked if the $300 annual travel credit was available to me since I recently upgraded from the Chase Marriott Bonvoy Boundless Credit Card.  The rep said yes and listed the same qualifying purchases as above.  I started thinking about my upcoming trips to see if I could pay for airline seat upgrades on any of my flights…

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Unboxing my Upgraded JPMorgan Chase Ritz Carlton Visa Infinite Credit Card: Card Art & Welcome Letter

Good morning everyone, happy Friday!  Last week, I Upgraded my Chase Marriott Bonvoy Boundless Visa Signature to JPMorgan Chase Ritz Carlton Visa Infinite.  A few days later, I received a small UPS Next Day Air package containing my new JPMorgan Chase Ritz Carlton Visa Infinite Credit Card.  I will show you what came in the welcome package.  But first, let’s start with the card art.  This credit card has gone through a few different redesigns and this is the most current version.  I have pictures of the 2 earlier card designs at the bottom of this post that I took from my original JPMorgan Chase Ritz Carlton Visa Infinite Credit Card unboxing in 2016.

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