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Ritz-Carlton PC Guide
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All transfers 1:1 unless noted. Always find award availability before transferring. Transfers are one-way and cannot be reversed.

Ritz-Carlton Product Change Guide
The sleeper pick nobody talks about
The Ritz-Carlton Credit Card

Not available to new applicants, but worth every step to get it through a product change. $450/year, unlimited lounge guests, a free night worth up to 85k points, and authorized users get Priority Pass for free. The Sapphire Reserve charges $795 and $195 per AU. Do the math.

Step 1
Apply for the Marriott Bonvoy Boundless ($95 AF), the easiest eligible entry card.
Step 2
Hold it for 12 months minimum. Ensure credit limit is $10,000+. Request an increase before calling if needed.
Step 3
Call Chase and ask to "product change to the Ritz-Carlton Credit Card." No hard pull. No welcome bonus.
Step 4
Your $450 AF card arrives. Unlimited lounge guests. Free night up to 85k pts every year. Three Club Level certs.