How I Booked the Ritz-Carlton O‘ahu, Turtle Bay for Just $36

During our first trip to Hawaii, we spent three nights at the Ritz-Carlton O‘ahu, Turtle Bay, one of the most expensive and luxurious resorts on Oahu’s North Shore.

The total cost of our three-night stay was $3,446.21, including taxes and fees. After stacking Chase points, Points Boost, a $500 travel promotion, and the Chase Sapphire Reserve’s $250 The Edit credit, my final out-of-pocket cost was just $36.21.

Even better, because I booked through Chase’s The Edit, the stay also came with valuable luxury hotel benefits, including daily breakfast, a $100 property credit, early check-in, late checkout, a room upgrade, free Wi-Fi, and a welcome amenity.

This post breaks down exactly how I booked the Ritz-Carlton O‘ahu, Turtle Bay for $36.21 and why this ended up being one of my best Chase Sapphire Reserve redemptions.

For my full review of the resort itself, including the room, breakfast, pools, beach, activities, and whether I would return, check out my full review here:

Ritz-Carlton O‘ahu, Turtle Bay Review

The Card I Used: Chase Sapphire Reserve

I booked this stay using the Chase Sapphire Reserve.

I opened the card after Chase refreshed the product, when the welcome offer included 100,000 Chase Ultimate Rewards points plus a $500 travel credit. That offer has changed since then, and depending on when you are reading this, the current Chase Sapphire Reserve offer may be higher, lower, or structured differently.

At one point, Chase also offered 125,000 points on the Sapphire Reserve, so the exact offer can change over time.

You can check the latest Chase Sapphire Reserve offer below

The reason this card was so useful for this booking is that the Chase Sapphire Reserve gave me access to a few valuable benefits that worked together:

• Chase Ultimate Rewards points
• Points Boost redemptions through Chase Travel
• The Edit luxury hotel benefits
• A $500 travel promotion from my welcome offer
• A $250 The Edit credit
• Premium hotel perks like breakfast, room upgrades, and property credits

Individually, each benefit is useful. But when stacked together on an expensive luxury hotel booking, the value can be huge.

Why Points Boost Made This Booking So Valuable

One of the key reasons this booking worked so well was Chase’s Points Boost feature.

With Points Boost, eligible Chase Sapphire Reserve cardholders can redeem points for more than the standard value on select bookings through Chase Travel. Depending on the booking, points can be worth up to 2.5 cents each.

For this Ritz-Carlton O‘ahu, Turtle Bay stay, Chase Travel showed a redemption value of 2 cents per point. Note this may or maynot be the same depending on when you read this.

That means every 50,000 Chase points could offset $1,000 in travel.

The math is simple:

• 50,000 points at 2 cents per point = $1,000 in travel value
• 100,000 points at 2 cents per point = $2,000 in travel value
• 133,000 points at 2 cents per point = $2,660 in travel value

For a hotel that was pricing at more than $1,100 per night, getting 2 cents per point through Chase Travel made the redemption very compelling.

The Exact Cost Breakdown

Here is the exact breakdown for my three-night booking at the Ritz-Carlton O‘ahu, Turtle Bay.

The total Chase Travel price for the stay was $3,446.21. That amount already included $543.21 in taxes and $156 in fees, so I did not need to add those amounts separately. In other words, the $3,446.21 was the all-in Chase Travel price before applying my Chase travel promotion, points, and credits.

I then had a $500 travel promotion from the Chase Sapphire Reserve welcome offer I received when I opened the card.

After that $500 travel promotion was applied, the trip total dropped to $2,946.21

Then I redeemed Chase Ultimate Rewards points through Points Boost:

• Points redeemed: 133,000 Chase points
• Redemption value: 2 cents per point
• Value of points redeemed: $2,660

After applying the points, my remaining balance was $286.21.

Because I used my Chase Sapphire Reserve and booked an eligible The Edit property, that $286.21 charge triggered my $250 The Edit credit.

That brought my final out-of-pocket cost down to $36.21. So the final math looked like this.

That is how I turned a $3,446.21 luxury hotel stay into a $36.21 out-of-pocket booking.

Why This Was Better Than Just Redeeming Points

At first glance, this may seem like a simple points booking. But the reason this deal worked so well is that I was able to stack multiple Chase benefits together.

The 133,000 Chase points covered $2,660 of the booking thanks to Points Boost. That alone was a strong redemption because I was getting 2 cents per point in value.

But the booking became much better because I also applied the $500 travel promotion from my Chase Sapphire Reserve welcome offer.

Then, because the remaining balance was charged to my Chase Sapphire Reserve on an eligible The Edit booking, I was able to use the $250 The Edit credit.

That combination is what brought the final cash cost down to just $36.21.

The Edit Benefits I Received

The cash savings were only part of the story. Because the Ritz-Carlton O‘ahu, Turtle Bay was available through Chase’s The Edit, the booking also came with several valuable hotel benefits.

For this stay, my Chase Edit benefits included:

• Daily breakfast for two
• A $100 property credit
• Early check-in, subject to availability
• Late checkout, subject to availability
• Complimentary room upgrade, subject to availability
• Free Wi-Fi
• Welcome amenity
• Resort fees included in the Chase Travel price

These benefits made a real difference during the stay.

Our room was ready when we arrived around 1:30 p.m., which was earlier than the standard check-in time. We were also proactively upgraded from a Partial Ocean View room to a full ocean view room on the top floor with a balcony.

The breakfast benefit was especially valuable because breakfast at the resort was expensive. Depending on the option we chose, the breakfast benefit covered in-room dining, café purchases, à la carte breakfast, or the buffet breakfast for two adults.

We also received a $100 property credit, which I used toward the night snorkeling experience at the resort.

How Much Value Did The Edit Benefits Add?

The $250 The Edit credit reduced my direct out-of-pocket cost, but the on-property benefits added even more value.

The breakfast benefit alone was worth a meaningful amount. At this resort, breakfast could easily cost over $100 per day for two adults based on the hotel’s pricing. Since we stayed three nights, that was a major savings.

Even if we had skipped the hotel breakfast and eaten somewhere cheaper off property, breakfast for a family of four in Hawaii could still easily cost $50 or more per day. So at minimum, the breakfast benefit saved us a meaningful amount of cash each morning.

Then there was the $100 property credit, which helped offset one of the resort’s paid activities.

The room upgrade also mattered. I had booked the base Partial Ocean View room, but we were upgraded to a full ocean view room on the top floor with a balcony. This was not a suite, but the unobstructed ocean view and sunrise views made the stay feel much more special.

Finally, the fact that the resort fees were included in the Chase Travel price was important. Resort fees can be frustrating at Hawaii properties, so I appreciated that I did not have to pay an additional resort fee at checkout.

Why I Booked Through Chase Travel Instead of Marriott

Normally, when staying at a Marriott property, many travelers will compare cash rates, Marriott Bonvoy points, and direct booking benefits.

In this case, booking through Chase Travel made more sense for me because I was able to use Chase points at an elevated value through Points Boost while also receiving The Edit benefits.

The combination of 2 cents per point, the $500 travel promotion, the $250 The Edit credit, daily breakfast, a $100 property credit, and upgrade potential made Chase Travel the better option for this specific stay.

That does not mean Chase Travel will always be the best choice. Before booking, it is still worth comparing:

• The cash rate through Marriott
• The Marriott Bonvoy points rate
• Chase Travel pricing
• Chase Points Boost value
• The Edit benefits
• Any elite benefits you may be giving up by not booking direct

For this stay, Chase Travel was clearly the winner.

Why I Did Not Use Marriott Points

Since the Ritz-Carlton O‘ahu, Turtle Bay is a Marriott property, I also checked whether it made sense to book this stay using Marriott Bonvoy points.

For my three-night stay, the Marriott points rate was over 400,000 Marriott Bonvoy points, and I still would have been responsible for the nightly resort fee. That made Marriott points a much weaker option compared to booking through Chase Travel with Points Boost.

This is where the math became pretty straightforward.

I redeemed 133,000 Chase Ultimate Rewards points through Points Boost at a value of 2 cents per point, which covered $2,660 of the stay. Even if Chase somehow offered a hypothetical 100% transfer bonus to Marriott, those 133,000 Chase points would become 266,000 Marriott points, which still would not have been enough to cover the 400,000+ Marriott points required for this booking.

That is why booking through Chase’s Points Boost feature made far more sense for this stay.

Another underrated benefit is that The Edit bookings can sometimes behave more like direct hotel bookings than typical third-party reservations. When booking through Chase Travel, I was able to enter my Marriott Bonvoy number at the time of booking.

In my case, the hotel treated the reservation like an eligible paid stay. I received the Chase Edit benefits, and I also earned Marriott Bonvoy points as though this were a cash booking.

That ended up being a fantastic cherry on top.

Even though my final out-of-pocket cost after points and credits was only $36.21, I earned roughly 31,000 Marriott Bonvoy points from the stay because the hotel received it as a paid booking based on the original cash rate.

This is one of the biggest reasons this redemption was so valuable. I was not just using Chase points to reduce the cash cost. I was also receiving luxury hotel benefits through The Edit and earning Marriott points on the back end.

Things to Know Before Using This Strategy

This was a fantastic redemption, but there are a few important things to keep in mind.

First, Points Boost values can vary. Just because this property was available at 2 cents per point for my dates does not mean it will always price that way.

Second, Chase Sapphire Reserve welcome offers change. I received 100,000 points plus a $500 travel credit when I opened the card, but the current offer may be different by the time you read this.

Third, The Edit benefits can vary by property. Breakfast, property credits, upgrade rules, and other perks may not be identical at every hotel.

Fourth, room upgrades, early check-in, and late checkout are typically subject to availability. In my case, we received early check-in and a great room upgrade, but those should not be treated as guaranteed.

Finally, always compare your options before booking. Sometimes booking direct with the hotel will make more sense, especially if you care about hotel elite benefits, earning hotel points, or elite night credits.

Was This a Good Use of Chase Points?

Yes, I think this was an excellent use of Chase points.

Redeeming 133,000 Chase points for $2,660 in travel value gave me a clean 2 cents per point redemption. That is a strong value, especially for a luxury hotel stay where cash rates were high.

But the real win was stacking that redemption with other Chase Sapphire Reserve benefits.

When you factor in the $500 travel promotion, the $250 The Edit credit, included breakfast, the $100 property credit, included resort fees, and the room upgrade, this booking delivered far more value than a standard points redemption.

For a family trip to Hawaii, this was exactly the kind of booking where premium credit card benefits can make a luxury stay feel much more attainable.

Would I Use Chase’s The Edit Again?

Absolutely.

This stay made me a big believer in using Chase’s The Edit for the right kind of hotel booking.

The key phrase is “for the right kind of booking.”

The Edit is most useful when you are booking an expensive hotel where breakfast is costly, the property credit is easy to use, and the potential upgrade has real value. It becomes even more powerful when you can stack it with Chase Sapphire Reserve credits and Points Boost.

At the Ritz-Carlton O‘ahu, Turtle Bay, all of those things lined up perfectly.

Final Thoughts

This was one of my best Chase Sapphire Reserve Hotel redemptions to date.

The Ritz-Carlton O‘ahu, Turtle Bay was pricing at $3,446.21 for our three-night stay, including taxes and fees. By stacking a $500 travel promotion, 133,000 Chase points redeemed through Points Boost, and the $250 The Edit credit, I brought my final out-of-pocket cost down to just $36.21.

On top of that, we received valuable benefits like daily breakfast, a $100 property credit, early check-in, a room upgrade, free Wi-Fi, a welcome amenity, and included resort fees.

That is exactly why the Chase Sapphire Reserve can still be extremely valuable, despite its high annual fee, if you know how to use the benefits strategically.

For more ways to maximize the card’s hotel credits, check out this guide:

How to Get Over $1,000 in Hotel Credits From the Chase Sapphire Reserve in 2026