Your ultimate guide to Chase’s Luxury Hotel & Resort Collection

Jun 1, 2020

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Elite status with a hotel chain can make travel much more comfortable, but not all of us can hit the high requirements for top-tier status. Fortunately, select credit card holders can get elite-like perks by booking through methods such as Amex’s Fine Hotels and Resorts program and Chase’s Luxury Hotel & Resort Collection (LHRC). Both programs can add valuable benefits to your stays at a cost not much more than booking direct. So, today let’s consider Chase’s LHRC program in detail.

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What is Chase’s LHRC?

Chase’s Luxury Hotel & Resort Collection (LHRC) is a booking system that offers select Chase cardholders elite-like benefits at more than 1,000 hotels, resorts, lodges and spas around the world.

The properties bookable through Chase’s LHRC program are a mix of branded and independent lodgings, but they’re all well-rated and Chase says they are among the world’s finest.

Related: Amex vs. Citi vs. Chase: Which booking portal is best for hotels?

Main benefits and perks

Booking through Chase LHRC is rarely the cheapest option, but the perks you receive may make up for any price difference.

With every LHRC booking you receive:

  • Daily breakfast for two
  • A special benefit unique to each property, such as lunch or dinner for two, a spa treatment, waivers of golf greens fees, welcome gift or airport transfers
  • Complimentary Wi-Fi
  • A room upgrade, if available
  • Early check-in and late checkout, if available

As you might expect, the daily breakfast and special benefit vary in quality and value. And, although Chase provides various examples for the special benefit, most properties offer a $50 or $100 credit for use during your stay. Some properties, however, provide less-valuable special benefits.

A $25 food and beverage credit is on the lower end when it comes to the value of special benefits.

You can maximize your LHRC bookings by targeting hotels that offer unique amenities. For example, The Sukhothai Bangkok offers a complimentary 60-minute massage for up to two guests per room once during their stay and the Mystique in Santorini offers a wine tasting for two and a bottle of Santorini wine once during your stay.

Related: Using Chase’s Luxury Hotel and Resort Collection program at the Aria in Las Vegas

Which cards are eligible for LHRC?

Only select Chase cards are eligible to book LHRC stays. (Photo by TPG staff)

Not all Chase cardholders have access to LHRC bookings. Chase determines whether a cardholder has access to the program based on the first six digits of your card number.

If you want to check whether you’re able to book through LHRC, go to the LHRC website and begin a sample hotel search. Try entering the first six digits of your Chase card number(s) when required.

To give you an idea of what cards have access, Chase advertises LHRC access as a benefit on the application page or benefits page for the following cards:

But based on testing I did with my own Chase cards, many other cards are accepted for booking with LHRC. Out of the Chase cards my husband and I have, the following have access to book LHRC stays:

In fact, out of our Chase cards, only the Iberia Visa Signature Card, IHG Rewards Club Premier Credit Card and the IHG Rewards Club Select Credit Card (closed to new applicants) don’t have access to LHRC stays.

The information for the United Business Card, Chase Freedom, Ink Business Cash, Ink Business Preferred, Southwest Premier Business card, Ritz-Carlton Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Maximize your wallet with the perfect quartet of Chase cards

How to book LHRC stays

To get LHRC benefits, reservations must be made through an LHRC travel specialist or on I recommend searching for properties online. Although the website can be frustrating to use, you can see the benefits and perks of each property. To start a search, enter your destination in the search box at the top of the page.

On the next page, you’ll see all the LHRC properties at your destination. However, you won’t see any prices nor will you see any of the property’s perks and benefits.

Select a property, and you’ll be taken to a page where you can enter your travel dates and the number of adults and children.

Once you enter this information, you’ll be asked to enter the first six digits of an eligible Chase card.

After entering the numbers, you’ll be shown the property details including the benefits, rooms available and the cost of each room type.

If you want to look at other properties in the same city, I highly recommend going to at this point. Doing so will search your dates and destination and return a list of all properties, the cost of each property and a partial display of the benefits provided by each property.

You must use your Chase card to confirm your stay. The terms and conditions state that you’ll be charged for your hotel reservation at the property, but that guarantees and deposits may be charged to your credit card before your stay. If you have multiple Chase cards, it’s unclear whether you must use a card that provides access to the LHRC to pay at the property or whether you can use any Chase card.

Most LHRC reservations use the cancellation policy of the property. And, the price you see may not show additional hotel charges, such as resort fees and hotel energy surcharges. So, take the time to understand what types of charges the hotel might impose before you book.

Related: The best credit cards for luxury hotel stays

Will I earn elite status or loyalty benefits?

Chase doesn’t address whether you’ll earn elite credit or have your hotel loyalty recognized on LHRC stays. Although online travel agent bookings don’t normally earn elite status or have access to loyalty benefits, multiple online reports show that you’ll usually earn elite status and get loyalty benefits on LHRC stays. I’d recommend trying to add your loyalty number to the reservation after booking.

Since I don’t have personal experience getting elite status and benefits on LHRC stays, please share your experience in the comments section below.

Related: On the hamster wheel of chasing hotel elite status? Buy it instead

Is LHRC worth it?

The St. Regis Deer Valley can be booked through Chase’s LHRC. (Photo by Summer Hull/The Points Guy)

Chase’s Luxury Hotel & Resort Collection most closely resembles Amex’s Fine Hotels & Resorts program. But when you book with American Express’ FHR program, your late checkout is guaranteed as opposed to being subject to availability and the unique property benefit may be more valuable at some properties. Additionally, earning 5x on prepaid FHR bookings with The Platinum Card® from American Express or The Business Platinum Card® from American Express is appealing.

When it comes to Visa Signature Luxury Hotels, the benefits aren’t as extensive and the property credit per stay isn’t as generous. But different hotels may be bookable through this program.

Finally, booking direct provides more rate options, including AAA, AARP and corporate rates. You can also book through a cash-back portal and know with certainty that you’ll get elite nights and benefits (if that matters to you). Especially if you already get breakfast included because of your elite status, it may make sense to book direct at the lowest rate.

Related: When to book through Amex Fine Hotels & Resorts vs. Chase Luxury Hotel and Resort Collection

When to use LHRC

Having breakfast included can save you money. (Photo of the David InterContinental Tel Aviv by Nicky Kelvin/The Points Guy)

Even if the rates aren’t the lowest, there are times when booking through a program like Chase’s LHRC or Amex’s FHR can be a good idea.

Short stays

One of the biggest selling points is the unique property benefit. For FHR, the amenity should be worth at least $100, while for LHRC the value of the benefit tends to vary (although some LHRC properties do offer $100 credits). Regardless of the value of the benefit, it is per stay not per night. So, the shorter your stay, the better a value this represents. As such, it may be worth going out of your way to book an FHR or LHRC hotel for only one night at the beginning or end of your trip to squeeze the most value out of this credit. I was able to do this after taking the Amtrak Empire Builder from Portland to Chicago when I got $160 of value out of a $153 one-night FHR stay at the Loews Chicago.

Boutique/non-chain hotels

You can still get elite-like benefits at non-chain hotels when you book through a program like Chase’s LHRC or Amex’s FHR. Many luxury hotels aren’t part of a large chain, so booking through LHRC or FHR can be a way to get more benefits and recognition at these properties.

Someone else is paying

If your company or client is paying for the stay, you may feel comfortable paying slightly more for your room to get the extra benefits that come with LHRC and FHR bookings.

Travelers without elite status

Except for the unique property benefit, most of the LHRC benefits are also offered to those with higher levels of hotel elite status. So these programs are more valuable when you’re staying at a brand for which you don’t have a mid to high level of status. At some properties, the included breakfast benefit alone is enough to offset any difference in rates.

Related: How to get some of the world’s most expensive hotel buffet breakfasts for free

Bottom line

Using your hard-earned points for hotel stays can be a great way to keep money in your pocket, but that’s not always an option for all destinations or for the most luxurious hotels. That’s where it can make sense to pay for a stay through a program like the Luxury Hotel & Resort Collection to get the additional perks.

Additional reporting by Nick Ewen.

Featured image courtesy of Hoshino Resorts

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Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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