If a friend asked me for advice a month about which credit card for, I explained that you obtain a premium card to the rewards and yet a second card on which to pay (View: Super charge card duos. What’s in your wallet? For several great pairs). Among my favorite advantages of top cards are hotel booking programs, where it is possible to get a ton of valuable advantages with no status beyond”cardholder”.  Recently, a reader asked me if we’d ever compared the Chase Luxury Hotel & Resort Collection using Amex Fine Hotels & Resorts, therefore I decided to do just a bit of research and see see where there was overlap and also what, if anything, separates these programs — along with some comparisons to Visa Infinite Hotels for good action.


Amex Fine Hotels & Resorts

I have loved Amex Fine Hotels & Resorts and that I find myself reserving through FHR at least once or twice annually. This assortment of hotels is accessible if you hold any flavor of this card (including the ). Amex FHR lists luxury hotels in destinations around the Earth, and if you reserve through FHR you always receive these benefits:

  1. Daily breakfast for 2
  2. Guaranteed 4pm late check-out
  3. Free Wi-Fi
  4. Unique property amenity (usually a $100 resort credit, food & beverage charge, or spa charge )
  5. Noon check-in when available
  6. Room upgrade upon arrival according to accessibility

The majority of that list is ensured — you always receive #1 #4; amounts 5 and 6 are based on accessibility. In my experience, each one the above have been honored on many remains. I have only once had to wait for a room that was not readily available for early checkup. The ensured 4pm check-out has come in handy quite a few times. Breakfast for two at these properties could be worth quite a little if you would otherwise consider paying off the breakfast costs at these luxury hotels. Overall, I’d say it is a valuable set of advantages.

Loews Chicago, in which I recently enjoyed a cheap FHR stay.

Chase Luxury Hotel & Resort Collection

The Chase Luxury Hotel & Resort Collection is a roughly similar app to Amex Fine Hotels & Resorts in the sense that it provides a distinctive advantages at a variety of luxury hotels. Many hotels overlap between the programs, though Chase did have some exclusives even in the small sample size of a few cities I checked for this particular post. The Chase Luxury Hotel & Resort Collection can be obtained on some Chase cards, but maybe others. Chase doesn’t explicitly state which cards qualify, however based on this article on The Points Guy, it functions with these cards

The advantages recorded by the Luxury Hotel & Resort Collection are as follows:

  1. Daily breakfast for 2
  2. A special amenity unique to each home such as lunch or dinner for two, a spa therapy, golfing fee waivers, welcome present, or holiday transfers
  3. Free Wi-Fi (though I do not watch this in all properties)
  4. A space upgrade (when available at select properties),
  5. Early check-in and late check-out (when accessible at select properties)

Since you can see, only benefits #1 and #2 are ensured — and even then, #2 is not clearly defined. Unfortunately, benefits appear to be quite inconsistent. By Way of Example, here is your list of benefits in the Bellagio, in Las Vegas:

While these would be the advantages in the Palazzo:

Since you can see, you are breakfast for two at each house (breakfast for 4 in a suite at Bellagio, which can be nice) and you receive some sort of property amenity, though the value of”Signature Champagne in suite” in Palazzo likely doesn’t quite fit a $100 food & beverage at Bellagio. Despite the fact that you receive a $5 credit to the resort fee to pay Wi-Fi in the Bellagio, there’s absolutely not any Wi-Fi charge in the Palazzo.

Additionally the variance in rewards, it is notable that late check-out is subject to accessibility with the Chase Luxury Hotel & Resort Collection. The two above mentioned attributes are offered on Amex FHR, where late check-out is a guaranteed benefit.

Furthermore, based on which Chase card you have, you may receive more appealing advantages through Visa programs. By Way of Example, the Andaz Maui can be obtained through the Chase Luxury Hotel Collection, where it reveals the following advantages:

During Chase Luxury Hotels & Resorts, your home amenity is a $100 Spa Treatment credit. That is not bad — particularly as a benefit on cards using $95 yearly fees such as the Chase Sapphire Preferred along with United MileagePlus Explorer or a no-fee card such as the Ink Cash business card.

But when you have a Chase Sapphire Reserve or Chase Ritz-Carlton card, you have access to Visa Infinite Hotels — another comparable luxury hotel advantage program. Through Visa Infinite Hotels, you would obtain a $100 dining , which is more adaptable and much more valuable to me than a health spa charge. While the picture below shows this charge split into two parts (a $75 USD dining credit and a $25 USD food or drink charge ), I booked a stay in the Andaz Maui through Visa Infinite Hotels in late 2016 and can confirm it counted as a $100 dining credit (and we implemented it to one meal).

I suppose the reason for the odd manner of displaying the charge is a result of the simple fact that this house also shows up through Visa Signature hotels with the $25 food or drink charge. The display above differentiates the extra advantages of Visa Infinite hotels I assume.

But, it is not always a definite triumph for Amex here. In Reality, the Wynn Las Vegas can be obtained through both Amex FHR along with Chase Luxury Hotel Collection — while Amex provides a $100 spa credit:

Chase Luxury Hotel & Resort Collection divides up that as a $50 spa credit and a $50 resort credit.

While the dollar value is precisely exactly the same, the 50 /$50 split may be preferable to you if you’re trying to have credit to get a meal instead of a spa therapy.


The selection of hotels available through each program changes. There is a whole great deal of overlap, but there are also a range of attributes unique to each program. In my view, those unique to Fine Hotels & Resorts are a little more valuable because of the more consistent suite of guaranteed benefits. For instance, you wont locate the Ritz-Carlton Kapalua on Chase Luxury Hotels & Resorts, however you will find it on Fine Hotels & Resorts — where you are going to enjoy breakfast for two daily, a $100 resort credit, and also ensured 4pm late check-out even if they fall short on the first check-in and space upgrade (neither was available in my stay there two or three years back ).

The pool area / grounds

On the flip side , you won’t locate the Hyatt Regency Maui on Fine Hotels & Resorts, however you will find it on the Chase Luxury Hotel Collection site. Gains are slim, but what’s Far Better than nothing:

You receive breakfast for two and 2-for-1 luau tickets

If you’re searching for breadth of selection, the Chase Luxury Hotel & Resort Collection seems like it wins out from the cities I checked. By Way of Example, here is the list of properties accessible through the Chase Luxury Hotel Collection in Las Vegas:

  • Aria
  • Bellagio
  • Caesar’s Palace
  • Delano
  • Mandalay Bay
  • Mandarin Oriental
  • MGM Grand
  • SKYLOFTS at MGM Grand
  • The Comopolitan
  • The Palazzo
  • The Signature at MGM Grand
  • The Venetian
  • Trump International Hotel
  • Wynn and Encore

Whereas Amex Fine Hotels & Resorts contains these Las Vegas possessions:

  • Aria
  • Bellagio
  • Delano
  • Four Seasons
  • Mandarin Oriental
  • The Palazzo
  • The Cosmopolitan
  • SKYLOFTS at MGM Grand
  • Wynn

I found similar effects in several of different cities. Many hotels overlapped, using Chase usually using a few more possessions and Amex using a few nicer properties not located on Chase. Overall, I’d give Chase the triumph , but you may feel differently if you’re searching for more luxury possessions such as the Four Seasons.


I hesitated with whether to include price for a category. The reality is you should always comparison shop — costs change. Furthermore, I am working with an extremely limited sample size. I would limit how much you read into this segment with the knowledge that I did not do exhaustive study.

But, I began with Las Vegas because that is among my beloved Fine Hotels & Resorts cities. Luxury properties come cheaply from vegas, and there are enough hotels in these programs to ensure it is possible to hotel hop — particularly once you have a 4pm check-out at the same home and six-month check (according to availability) in the following.

Early January (before CES) is typically a fairly cheap time to go to Las Vegas, so that I appeared rooms this Wednesday, January 3rd to Thursday, January 4th. Delano can be obtained cheaply — from $89 through Chase Luxury Hotels:

Interestingly, it shows up on Amex Fine Hotels & Resorts to get a bit less — from only $79:

In this case, the $10 difference is because Amex provides a living room that will be $10 less expensive than the typical room (the normal king suite can be obtained for the same $89 through Fine Hotels & Resorts).

I thought it was interesting that the two programs do not have access to exactly the same room types. This difference is more glaring with Aria, where you can reserve a Deluxe King room tomorrow night from $129 through Chase Luxury Hotel Collection:

But, Amex Fine Hotels & Resorts just includes access to suites, in a starting rate of $400 per night:

In that scenario, Chase Luxury Hotel & Resort Collection wins out by a longshot.

However, the pendulum swung the other way a little when looking at this Saturday night in New York City, in which the Loews Regency is accessible from $289 using a $100 food and beverage credit (along with other conventional FHR advantages ) through Amex Fine Hotels & Resorts:

But exactly the same property begins from $313 through Chase Luxury Hotel Collection — also it includes a $100 spa credit that must be employed on spa providers of 60 minutes or even more . That is worth a whole lot less to me than a $100 food and beverage credit.

In many cases, costs were indistinguishable or within five or ten dollars between the two programs. It’s difficult to declare a winner here — the moral of the story here is: you better shop around.

Bottom line

Both Amex Fine Hotels & Resorts along with Chase Luxury Hotel Collection are nice programs offering some great advantages on luxury hotel remains to those who would not otherwise have access to comparable advantages via elite standing. A few of these exact benefits can be had with no premium charge card whatsoever when reserving through a Virtuoso advisor. I have never booked through Virtuoso, but it offers a similar set of advantages — the catch is you have to book through a Virtuoso travel advisor and can’t directly examine benefits/prices/availability online. Years past, I’d read that was a fantastic search tool for assessing Virtuoso prices/benefits/availability, however I don’t have any idea whether it’s still accurate and I have never booked .

Assessing back and forth between programs can be time intensive, but dependent on the searches that I did previously (and many more not summarized in this article ), it seems like your best option is to compare between programs when you have access to over one. If I needed to focus on one or the other, I’d probably lean towards Amex Fine Hotels & Resorts because I truly appreciate the ensured 4pm checkout, since it adds a sense of relaxation understanding I do not have to return to the room and pack up immediately after breakfast. That said, Chase Luxury Hotels is available to a much wider set of users since Chase Sapphire Preferred and United MileagePlus cards adapt — and that is a fairly good deal for individuals that do not hold a $450-$550 AF card.

In any event, when reserving a money remain in a luxury hotel, it is always worth checking these programs to determine if you’re able to get extra advantages for the same price.

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