I wish to caution those thinking about the Chase Ritz Carlton Rewards Card. I was enticed by the two free nights certificates good at Tier 1-4 Catagory properties. I attempted to use them on 6 (six!) different occasions and was told each time that only so many rooms are allotted at each property on any given night for these certificates. The rooms were not sold out and there was availability of the most inexpensive rooms at each property on each occasion. Ritz Carlton arbitrarily decides how many rooms to make available for the certificates, which expire in a year, are not honored by Ritz. Wow, there is an $800-1000 ripoff, at least in my book.
Applied for the card about a month ago. Didn't get an instant approval, but I got an email the next day saying I was approved for an 8k line of credit. My credit score at the time was between 740-760, with about 65k of income. I also bank with chase and have a sapphire preferred card. My go to place for shopping is amazon, and the 5% cash back just can't be beat, especially with a no fee card and free shipping with amazon prime. The other 2% cash back at restaurants, gas stations and drug stores is also great. Received a $70 amazon gift card applied to my account instantly. I personally haven't come into any issues with using the card, but don't plan on it since I pay in full every month and only use the card on amazon. FYI you manage the credit card through chase's website just like any other account of theirs, not amazon.
I appreciate the efforts that Chase goes through to protect my card, however when I made a purchase in the early evening, Chase waited until 1:00 am in the morning to send me a text asking whether to proceed with the transaction or decline it. Of course I did not see the text until the next morning and I lost out on three First Class seats for a very low price on an international flight. I called Chase and they were very apologetic and offer to transfer 500 points into my UAL account. Let's see 500 UAL points for losing 3 First Class seats. My wife banks at Chase, I have two Chase credit cards and my company spends 100's of thousands of dollars on Chase cards each year. All will be cancelled within a month.
I love banking with Chase but I already regret getting a credit card through this bank. I had a simple question and when I FINALLY got through to customer service the woman on the line couldn't answer my question and got agitated quickly. I then asked to speak to someone who could answer said question and the woman who got on the phone after was even more rude and still didn't fully answer my question. I've had this credit card for less than 2 weeks and I wish I never bothered after one phone call to customer service.