J.P. Morgan Chase Marriott and Ritz-Carlton / Palladium cards?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Postby MrMosby » Tue Feb 17, 2015 8:59 pm

If you travel quite a bit, and you stay in Marriots enough, but don't necessarily reach Gold status on your own, the Ritz would be my choice.

You get $300 Travel fee reimbursement & Marriott Gold, which you can use to boost your Marriott points up. The catch is to maintain gold you need to spend $10K annually on the card.

Also Concierge with the Ritz is better if you're into that kind of thing.

As far as the Palladium goes you need to have a relationship with Chase Private Client banking or JP Morgan private bank. For CPC you need to have $250k of liquid assets with Chase across all of your accounts, with JPM Private Bank the bar is much higher. If you are lucky, you might find a personal banker willing to sign off without you being a CPC customer, but that is extremely rare these days because those guys get paid bonus/commissions customer acquisition. It's also worth noting I looked at CPC and the management fees were 2% annually for their smallest portfolio of $250K. If you do the math that $595 annual fee now became $5595 which is not a good deal.

TL;DR; Get the Ritz if you travel, don't get the Palladium - a credit card isn't worth it, invest wisely
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Postby nismoZtuner » Wed Feb 18, 2015 2:03 pm

I have the MRP and have been thinking about getting the Ritz Card as addition- my boss at work doesn`t mind me swiping my card using the office readers as long as i pay the fee and i`ll get the difference in cash.. so yeah i think i can get gold status easy..

i like the MRP for the free night- i stay at Marriott 90% if the time so that free night is actually work $130-180...
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