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The Ritz-Carlton card hasn’t been open to new applicants for years, but it’s a card that holders of the Chase Bonvoy co-branded cards can upgrade to, and for most of its existence, it has been a fantastic card to hold.
But has Chase just (recently) devalued some of the card’s excellent travel protections?
The Guide to Benefits vs the cardmember page
For reasons that remain unclear, there appear to be some significant differences between the Ritz-Carlton card’s benefits shown on the card’s marketing page and a Visa Infinite “guide to benefits” that Chase publishes (pdf link).
As the Ritz-Carlton card is a Visa Infinite card and as that guide to benefits is accessed from a site with the url “chasebenefits.com/ritzcarlton2”, I’d expect the benefits to match. But they don’t.
Here are the key differences:
Trip delay reimbursement
The Guide: Cover applies when the common carrier is delayed for more than six hours or requires an overnight stay, up to $500 per covered traveler per trip. The delay must be caused by equipment failure, inclement weather, strike, or hijacking.
The cardmember page: cover applies when travel is delayed more than 12 hours or requires an overnight stay, up to $500 per covered traveler.
Trip cancellation and interruption insurance
The Guide: The lesser of $10,000 per covered traveler, $20,000 per trip for all covered travelers and $40,000 per twelve-month period per account, or the actual amount charged to the card. Trip interruption also covers ground transportation of up to $250 where the interruption is caused by the need for medical treatment.
The cardmember page: Benefit not listed.
Emergency evacuation and transportation
The Guide: Up to $100,000, plus up to $15,000 to return remains in the event of a death. The covered trip must be between five and sixty days in length and more than 100 miles from the covered traveler’s primary residence.
The cardmember page: Benefit not listed.
Purchase protection
Not really a travel benefit, but …
The Guide: Covers theft, damage, or involuntary and accidental parting within 120 days of purchase (90 days for New York residents), up to $10,000 per item and $50,000 per calendar year.
The cardmember page: Eligible new purchases are covered for 120 days from the date of purchase against damage or theft, up to $500 per item.
Travel accident insurance
The Guide: Up to $1,000,000 for common carrier travel accident and up to $100,000 for 24-hour travel accident, when all or a portion of the fare is charged to the card or paid with redeemable rewards.
The cardmember page: up to $1,000,000 in accidental death or dismemberment coverage when air, bus, train, or cruise transportation is paid for with the card.
No mention of the $100,000 24-hour figure.
Emergency medical and dental
The Guide: Up to $2,500 subject to a $50 deductible per covered traveler per trip, plus $75 a day for up to five days towards a hotel room where a physician determines the traveler should recover in a hotel after leaving hospital.
The cardmember page: Up to $2,500 for medical expenses subject to a $50 deductible, when the cardholder or an immediate family member becomes sick or injured 100 miles or more from home.
No mention of the $75/day towards hotel costs.
For the avoidance of doubt, here’s a screenshot from the card’s marketing page (linked above) showing the travel benefits offered:
Trip cancellation/interruption insurance and Emergency evacuation/transportation are clearly not listed, and if you check the marketing page yourself, you’ll find that the screenshot (from earlier in the article) showing that a 12-hour delay is required for the trip delay insurance to kick in is there.
So what’s going on?
The guide to benefits is dated 11 June 2026, so it doesn’t look out of date, but why so many differences between that and the Ritz-Carlton marketing page?
I can’t be 100% sure that the omitted covers haven’t simply been missed due to sloppy editing and have never appeared actually on the marketing page, but I am 100% sure that the marketing page has, in the past, shown that trip delay cover kicks in from 6 and not 12 hours.
Pages don’t just change themselves, so who changed this and why?
It’s not like the Ritz-Carlton card is a product that Chase actively promotes and that needs to have its terms and conditions updated frequently, so why has someone been editing the benefits page?
Is this an error where someone has blindly copy and pasted another card’s benefits to the Ritz-Carlton marketing page or have the card’s benefits quietly been devalued?
I’ve messaged Chase hoping to get an answer to this, but at the time of writing, I’ve not had a satisfactory and definitive response. I’ll edit this article should an answer be forthcoming.
Bottom line
For some reason, there appear to be a few differences between the travel benefits/protections that are set out on the Ritz-Carlton card’s marketing page and the guide to benefits linked to the card.
Hopefully, this is nothing more than sloppy editing (although I’d like to know why the marketing page of a card you can’t apply for needed editing), but if it isn’t, some of the better protections that the Ritz-Carlton card offered have just taken a big hit.
