Skip to content

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

Oct. 31, 2020
6 min read
This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

Editor's Note

/strong> This post has been updated with new information.

Editor's note: This post has been updated with new information.

American Express and Chase both offer eligible cardholders access to luxury hotel collections. The Platinum Card® from American Express and The Business Platinum Card® from American Express will get you access to American Express’ Fine Hotels and Resorts (FHR), and an array of Chase cards — including the Chase Sapphire Preferred Card, Chase Sapphire Reserve and some of their cobranded options — come with access to Chase’s Luxury Hotel & Resort Collection (LHRC).

Each program comes with its own set of benefits, but many of them overlap. For cardholders who have access to both, there are situations where it makes more sense to book with one over the other.

Guaranteed late checkout with Amex FHR

When you book your stay through Amex FHR, you’ll receive the following benefits:

  • Room upgrade upon arrival, subject to availability
  • Daily breakfast for two
  • Guaranteed 4 pm late checkout
  • Noon check-in, subject to availability
  • Complimentary Wi-Fi
  • Unique property amenity (valued at $100 or more)

Occasionally, you’ll also have access to special offers, such as a free fourth-night stay.

Amex Fine Hotels and Resorts (FHR) can provide lots of benefits during your stay ranging from upgrades to late check-out. (Photo courtesy of Amex FHR Banyan Tree Mayakoba)
Amex Fine Hotels and Resorts (FHR) can provide lots of benefits during your stay ranging from upgrades to late check-out. (Photo courtesy of Amex FHR Banyan Tree Mayakoba)

While early check-in and room upgrades are subject to availability, you can count on receiving the other benefits with each stay, whether you’re booking one night or five.

Chase LHRC offers a similar lineup of benefits:

  • Daily breakfast for two
  • A unique benefit worth up to $100
  • Unique to each property, but often includes lunch or dinner for two, a spa treatment, golf green fee waivers, a welcome gift or airport transfers
  • Complimentary Wi-Fi
  • A room upgrade, if available
  • Early check-in and late checkout, if available

But there is one notable difference: Amex offers a guaranteed 4 pm checkout. For larger families that take some time getting around in the mornings or night owls who would rather sleep in after a night on the town, late checkout can be a godsend.

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

Sign up for our daily newsletter

More transparent pricing through Chase LHRC

When you compare prices between Amex FHR and Chase LHRC, you’ll probably notice that the upfront cost for Amex rooms is often lower than what you’ll find with Chase for the same room type and dates. This is because Amex FHR doesn’t include estimated taxes and fees with their original pricing estimate listed on site.

Most of the time, prices are comparable between each program. However, Chase makes it easier for me to get a full picture of how much a room will cost per night. It’s a small benefit that rarely means significant savings with Chase, but I like that Chase is more upfront about room costs. I don’t want to have to go through the entire booking process to find out an accurate estimate of what a room will cost, especially when I’m comparing multiple properties before making official reservations.

Related: Your guide to Chase’s Luxury Hotel & Resort Collection

Special offers with Amex FHR

One of the unique advantages of Amex FHR is its list of special offers. When you search for properties at any given destination, you can sort by special offers. You can often find additional property credits or fourth-night free awards, which can save you hundreds of dollars on your stay.

Keep in mind that these offers are subject to availability, and there is no guarantee that the specific property or destination you’re looking at has any worthwhile offers for the dates of your trip. However, when you can take advantage of an extra $100 dining credit or a fourth-night free, it’s worth it to book through FHR.

Related: Your complete guide to the American Express Fine Hotels & Resorts program

Our Premium King room at the Loews Chicago was comfortable and very livable. (Photo by Katie Genter/The Points Guy)

Unique property benefit with Chase LHRC

Both hotel collections offer a unique property amenity with each stay, typically in the form of a property credit. However, in some destinations, travelers are starting to see Amex FHR offer more limiting credits. In these cases, Chase may offer a more compelling unique benefit.

TPG Writer Katie Genter has a few unique examples of property benefits she's received when she's booked a stay through Chase LHRC:

  • Westin Michigan Avenue Chicago provides daily access to the Westin Executive Club
  • Sukhothai Bangkok offers a complimentary 60-minute massage for up to two guests per room once during their stay
  • Mystique in Santorini offers a wine tasting for two and a bottle of Santorini wine once during your stay

When there’s overlap between the two programs, always double-check prices and benefits with each program. As of late, I’ve seen Chase offer a wider array of unique amenities that can make it more beneficial for me to book through LHRC. That may not always be the case, and it really all comes down to how much you value certain types of amenity credits.

Bottom Line

Amex FHR and Chase LHRC are both great programs, and you can find value with both. Which you should book through really depends on the situation: Do you want guaranteed late checkout? What type of credit does each offer for properties in the area where you’re staying? Is there a special offer you can take advantage of?

For those who have access to both, it’s worth comparing your options before each trip. Sometimes one makes more sense than the other, but sometimes you’ll find comparable prices and benefits. In these cases, look at which card you’ll get the most value from.

Also, check to see if booking directly through the hotel offers a better deal.

Featured image by The Grand Hyatt Bali. (Photo courtesy of Becca Manheimer/The Points Guy)

Top offers from our partners

How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
See all best card offers

TPG featured card

Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

2 - 10X points
10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day

Intro offer

75,000 bonus miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual Fee

$395

Recommended Credit

740-850
Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023
Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day
  • Intro Offer
    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

    75,000 bonus miles
  • Annual Fee

    $395
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023