Points Strategy

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Card comparison tool.

Not sure which card is right for you? Browse, filter, and compare the top travel cards — all in one place.

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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 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.