Ritz Carlton Backdoor Rollover To Marriott Card

I am way past 5/24 and would have to wait till Sept 2019 in order to be free and clear to get the 5/24 restricted Chase products. I would be practicing this churning celibacy just for the Marriott, Chase Sapphire Reserve, Freedom, United products, and SouthWest Airlines cards. However with Premium AmEx Product coming for both HHonors and Marriott SPG I don’t think I can go without a fix for 24 months! The FOMO would be too great! Instead I am going to open all new accounts under me, give my card to my wife to use, and keep her account perfect so she can get her own MLA waived CSR and United Club cards. Maybe throw some under the 5/24 radar, AmEx Biz cards in there.

Getting The Chase Marriott Despite 5/24

Turns out you can downgrade the Ritz Carton Card to the $95 Personal Marriott Card to get a free annual night. Thanks to Frequent Miler for pointing out the Travel With Grant article! Since the Ritz Card is 5/24 exempt, you are free to apply for it for the first time and get the 2 free night bonus. After getting the bonus and spending all three annual Club Level Upgrades you can then downgrade the card into a Marriott Card, and have the card despite being over 5/24. Where this is genius is your downgraded card will only cost $95 a year instead of $450 and you would get a free Category 1-5 night every year which is more than reasonable to justify the $85 annual fee.

Who knows what this card will become after the points system merger, some sort of Marriott Preferred Guest or Starriott-Carlton Preferred Guest Rewards system? After 24 months from the initial Ritz Card application, just reapply for the Ritz Card (hopefully MLA waived this time) and rack up another free night. Do this Marriott Conversion 365 times to live at a category 1-5 Marriott for free the entire year (not recommended or supported by any datapoint).

The Ritz MLA Switch-a-roo

In my situation I could never get the Marriott Card so getting the bonus is out of the real of possibility, however the language is this:

This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

Technically I could still get the bonus if I canceled this card in the future and reapplied since the product change didn’t get me the bonus. Since I am perpetually beyond 5/24 this lack of 85k bonus is a non-issue. The real magic comes in the fact I took my Ritz Card that I do not have SCRA waivers for since I got it after I joined, but I also don’t get MLA coverage since I got it before 20 Sept 2017. I can downgrade this card to Marriott and reap the free night, while applying for a new Ritz card that will now be MLA waived.

Not many datapoints out there for this one, I will report back on what I find out!


9 thoughts on “Ritz Carlton Backdoor Rollover To Marriott Card

  1. Jae Chung says:

    Derp, thanks for the DP’s. How do you like your United Club card? I am going to apply for the Club/Explorer card since it will be free 90K miles and under MLA (no annual fees). Do you recommend it? Also, I am going to get the Ritz card but going to wait a couple of months after I get my United cards. We also have a reddit site for military MS. If you are interested, we can invite you (will need your reddit id)

    • uiucderp2011 says:

      If you think about it the CSR earns 3x UR on united that can be put into United so that blows the explorer out of the water. You already have lounge access with your CAC but does ntninclud partner lounges. Right now United Club is doing 50k for $3k, might as well go for the $450 Cards, also United Club gives you guests with lounge access as well as partner lounges overseas. Please use my link for CSR!

      I am saying might not be worth using one of your 5/24 slots on two United cards when you could get CSR, Club, Freedom, Marriott, and Southwest.

  2. Dan says:

    Just as DP, I have gotten two $100 AA gift cards reimbursed toward the $300/year travel credit on my ritz card this past week (counting for 2018). Requests sent via SM after charge posted and reimbursement received within 2 business days.

  3. Rohan says:

    Does anyone know if it is possible to do a product change and upgrade the Marriott Rewards Premier Visa Signature Card to the Ritz Carlton Rewards Visa Infinite Card, or the new high end Marriott Visa Infinite card that comes out. I am looking for a Marriott credit card from Chase that has more luxury perks such as the JP Morgan Concierge the Sapphire Reserve does not offer and the opportunity to earn gold status after $ 10,000 of spending a year as well as luxury rental car perks/ insurance. I applied for the Marriott Premier Rewards Visa Signature for now, which I got approved for $15,000 because I was not really sure if the Ritz Carlton Visa Infinite would be around much longer after the merger of the Starwood Preferred Guest Rewards, Marriott Rewards, and Ritz Carlton Rewards programs. In general, I always though it was silly that Marriott and Ritz Carlton have been separate programs for years despite the fact that they are identical. Also, Marriott should have had only Marriott credit cards just like United and Southwest only have cards under one brand. Marriott has cards under two different brands and now three because of Starwood.

    • uiucderp2011 says:

      not sure, but you can def downgrade the ritz to marriott. I will report once i call in to find out, but keep in mind you would not get the two free night bonus!

      • Rohan says:

        It eould be fine if I don’t get the bonus. I just want the special JP Morgan Concierge, access to the Visa Infinite $100 flight discount, special rental privileges/ insurance for rentals up to $75,000, free club room upgrades three times a year, and Gold status after $10,000 worth of spend a year.

        • uiucderp2011 says:

          I do not have a datapoint for upgrading from the Marriott to the Ritz, but please let me know if it works. That being said, the Ritz Card is not subject to 5/24 and the $450 annual fee is waived for military. I would just apply for the ritz card at least once to get a $300 bonus, then possibly upgrade the Marriott to have two ritz cards with $600 in flights!

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