Ritz-Carlton: The Marriott hotel brand where elite benefits don't really apply
I have 55 elite nights with Marriott Bonvoy so far this year, and I've held Platinum status with the program for seven years. In non-pandemic times, this translated to thousands of dollars every single year directed to Marriott's slew of participating properties — which I deliberately chose at times over other loyalty programs.
And what did this loyalty get me on a recent stay at The Ritz-Carlton, Turks & Caicos, where I spent another few thousand dollars? Other than the 50% bonus on points earned that Marriott Platinum members get at all properties ... just 1,000 bonus welcome points, worth just $8 based on TPG's valuations.
This wasn't a shock in the sense that I knew the rules of the game going in, but in a world where travelers have had the chance to re-evaluate if it's even worth being loyal to a particular travel brand, it still left a bitter taste in my mouth.
Those who pursue hotel elite status throughout the year on the little stays usually do it (in large part) to get pampered with extra perks on the bigger stays. A night spent at a Courtyard or Fairfield-type of property is going to be pretty similar for all guests — regardless of whether you have the highest, triple-diamond-titanium level of hotel elite status or none at all.
Favoring a chain like Marriott over other available options on those everyday stays is usually done to rack up elite status (and points) for when you want to indulge at the company's high-end brands. From experience, I know that elite status can be worth it at these luxurious properties — with nice suite upgrades, cool perks, money-saving free breakfasts, lounge access and more.

Hotel loyalty programs also know this, and it's the norm that elite perks carry over to high-end brands such as Marriott's St. Regis, Hyatt's Park Hyatt and Hilton's Conrad. On your loyalty program marketing materials, you're far more likely to see a photo of an infinity pool at a top-tier resort than that of a limited-service lobby because that's why people usually care about the program to begin with.

But there's an oddball in the bunch where most perks do not apply: Marriott's Ritz-Carlton brand.
No breakfast (or upgrades or other perks) for you
Instead of no soup for you, at Ritz-Carlton, it's no free-eggs-and-toast breakfast for you (as an elite member).
No matter how many thousands of dollars you've spent with participating brands that year, it's going to cost the full price plus taxes, fees and tip for that morning yogurt parfait at a Ritz-Carlton ($19 at the Turks and Caicos location).
At Marriott's other top brand, St. Regis (which was under the Starwood umbrella prior to the Marriott acquisition), Marriott Platinum elites and higher can choose 1,000 bonus points or breakfast for two guests for each day of the stay. And at a high-end St. Regis, a full breakfast for two can easily come to $75 or even $100 if paid for with cash, making that a real benefit.

On top of that, members with Suite Night Awards can apply them to a stay at luxurious St. Regis or JW Marriott properties and potentially get to live it up in a suite, if one is available.
Personally, I've had a great time in a suite (plus complimentary room-service breakfast) thanks to my Platinum status at the St. Regis New York, and I recently enjoyed a suite upgrade at the JW Marriott Bonnet Creek near Disney World. Those are the sort of moments that make a hotel stay a truly memorable one — and thus contribute to my yearly pursuit of Marriott status.

But per the Marriott Bonvoy terms, the Ritz-Carlton brand is excluded from Suite Night Award redemptions, accessing on-property lounges and enjoying free breakfast for higher-tier elite members.
In fact, you get more tangible benefits at a limited-service Courtyard property — where you have the option of a $10 food-and-beverage credit per night of the stay — than you do at an upscale Ritz-Carlton.
Related: Why I dropped Marriott after 35 years of loyalty
Why is Ritz-Carlton stingy with elite perks?
A long time ago, in a timeline far, far, away — before the fateful 2018 marriage of Marriott and SPG — there was actually a third program in that mix: Ritz-Carlton Rewards.
In fact, before the merger, you had to choose whether to be a member of Marriott Rewards or Ritz-Carlton Rewards, as they were connected (but different) programs. If you go even further back in history to the 1990s when Marriott first acquired a portion of Ritz-Carlton, it only had a 49% stake in the company, which may have been related to the separate tracks, programs and rules.

And not surprisingly (given the modern-day offerings), neither of these loyalty programs was especially generous when it came to on-property perks at participating Ritz-Carlton locations.
Even for top-tier elites (Platinum in both of the old programs, which required 75 nights each year and thus was equivalent to today's Titanium), there were no breakfasts or suite upgrades to enjoy at Ritz-Carltons.
In contrast, Starwood Preferred Guest was generous with elite perks offered across its portfolio — including at St. Regis properties.
When these three programs became one, we saw the newfound ability to earn and use Marriott Bonvoy points at all the participating brands, but the scarcity of on-property elite perks at The Ritz-Carlton brand remains as a pre-merger holdover.
Related: 5 ways to maximize Marriott Bonvoy award night redemptions
This could be fixed
When TPG's Scott Mayerowitz recently sat down with Marriott's new CEO, Anthony Capuano, he didn't get into the specifics of the company's loyalty program. However, he did acknowledge that Marriott Bonvoy isn't as generous as SPG and added that Marriott Bonvoy gets an "incomplete" when it comes to the integration of the programs.
Your guess is as good as mine as to whether some of the complex, brand-specific benefits and exclusions are part of that "incomplete," but I'd say it should be considered.
Ritz-Carlton properties are certainly nice, but I've had the luxury of staying at many top-tier resorts around the world, including Conrad, St. Regis and Park Hyatt properties. I'm thus confident in stating that Ritz-Carlton hotels and resorts aren't truly in a league of their own when it comes to the hard product.

They are generally on par with those other high-end brands, and from all discernible angles as a guest, I'd say they're not worthy of a special loyalty program carve-out — where virtually no elite benefits apply.
It's probably nice as a Ritz-Carlton property owner to avoid handing out free orange juice and suite upgrades. But if Marriott Bonvoy as a loyalty program wants to make some progress in winning over the hearts, minds and (ultimately) wallets of travelers beyond just leaning on its large footprint, the lack of benefits at one of its nicest brands is a problem. It is precisely those aspirational redemptions and perks that drive everyday behaviors.
There are two real fixes.
The simplest -- and likely best -- option is to dramatically simplify the benefits Marriott elites get across chains.
At brands where breakfast isn't already free for everyone, make it an option for those with Platinum status and above. This is already the policy at St. Regis and JW Marriott properties, so cut the exceptions and make it standard at Ritz-Carlton, too.

The same thing applies to Suite Night Awards. These aren't actually processed until just days before check-in anyway, so if a suite is available at that point, let an elite guest use an award to enjoy it.
The second option, while not as ideal, is to create new benefit rules just for Ritz-Carlton properties — specifically ones that go beyond the 1,000-point welcome bonus.
If breakfast is (for some reason) off the table, maybe offer high-tier elite travelers a daily food-and-beverage credit valid at any on-property outlets. Frankly, even a $50 daily credit doesn't go that far at most Ritz-Carlton properties, but something is better than virtually nothing — and a drink tastes sweeter when it is a "reward" for a year of loyalty.
When I stayed at The Ritz-Carlton, Bachelor Gulch earlier this year, that property specifically offered coupons to select elite members, valid for some specialty cocktails, cookies and other items from the hotel's "secret" menu.

That could be formalized into a Ritz-Carlton amenity for Marriott Platinum, Titanium and Ambassador guests — which is similar to what Hyatt used to offer for its top-tier Diamond members.
A stay amenity and $50 (or more) daily food and beverage credit would be a step in the right direction to help bridge the loyalty gap — if the brand wasn't ready to simply match the other high-end options in the Marriott portfolio.
Bottom line
Playing some mental gymnastics to earn elite status can almost be fun for some frequent travelers. Doing the same thing to figure out how to receive those rewards isn't nearly as enjoyable.
I'll stay at Ritz-Carlton properties when they are the only logical choice for somewhere I want to visit, which is how I ended up in the new Ritz-Carlton on lovely Grace Bay in the Turks and Caicos. That said, if I had my choice between earning (or using) points at a Ritz-Carlton vs. a Conrad, Park Hyatt or even St. Regis, I'm unlikely to choose the Ritz-Carlton, simply because that stay is ultimately going to cost me more due to the lack of loyalty program benefits.
The Ritz-Carlton brand has the potential to be a huge driver of loyalty for the Marriott Bonvoy program, thanks to its aspirational nature and five-star locations. However, as it stands, it's instead an unnecessarily sore point in a program that is already full of complexities, carve-outs and exceptions.
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- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
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- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
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Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.

