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The ultimate guide to the Visa Luxury Hotel Collection

Sept. 07, 2021
6 min read
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There exist scores of various credit card-powered hotel portals that claim they'll grant you VIP treatment at select hotels around the world. You've probably heard of:

The redundancy of it all. Are there any distinguishable differences among these programs? Actually, yes -- Amex Fine Hotels + Resorts is widely considered to be the most surefire portal to upgrade your hotel experience in a meaningful way.

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But there's another program you may not have heard of, and it offers benefits quite similar to Fine Hotels + Resorts: the Visa Luxury Hotel Collection. Here's what you need to know.

What is the Visa Luxury Hotel Collection?

(Screenshot courtesy of Visa Luxury Hotel Collection)

The Visa Luxury Hotel Collection is a service that grants you elite status-type benefits just for booking through its site. It's meant exclusively for Visa Signature and Visa Infinite cardholders. Examples of Visa Signature cards are:

Examples of Visa Infinite cards are:

The information for the 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.

The amenities it offers are pretty standard among similar sites, such as:

  • Best available rate guarantee (currently unavailable).
  • Automatic room upgrade upon arrival, when available.
  • $25 food and beverage credit.
  • VIP guest status.
  • Late checkout upon request, when available.
  • Complimentary breakfast for two.
  • Complimentary in-room Wi-Fi, when available.

Over 900 hotels participate in this collection. Depending on the hotel you choose, you could quite easily save hundreds of dollars on your stay, particularly if there's a special deal attached to your hotel and dates. For example, the Park Hyatt Paris-Vendome currently offers a "3rd night free" deal, which could save nearly $1,000 on a stay -- not to mention the free breakfast, room upgrade, etc.

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Related: Can't qualify for elite status? Get similar perks from these cards instead

(Screenshot courtesy of Visa Luxury Hotel Collection)

How to use the Visa Luxury Hotel Collection

When you visit the site, you're immediately prompted to select the region of the world in which you desire to travel. You'll then select whether you're a Visa Signature or Visa Infinite cardholder.

(Screenshot courtesy of Visa Luxury Hotel Collection)

There are two different portals on the site. The Visa Infinite portal is a tier above the Signature portal. If you've got a Visa Infinite, you'll have to enter your card number to access your portal.

(Screenshot courtesy of Visa Luxury Hotel Collection)

What's so great about the Visa Infinite portal? It offers all the same benefits as the less exclusive Visa Signature portal. However, Infinite cardholders get one extra perk (worth $100) at select hotels. This can be amenities such as:

  • Spa credits.
  • Food credits.
  • Room rate credit.
  • Golf credit.
  • "Services" credit.

This is very similar to what you'll find on the lauded Amex Fine Hotels + Resorts portal. However, there are only 200 properties that participate in these extra Visa Luxury Collection benefits. Amex Fine Hotels + Resorts provides 1,100 hotels to choose from.

(Screenshot courtesy of Visa Luxury Hotel Collection)

The search results page looks nearly identical whether you're on the Visa Signature page or the Visa Infinite page. The big difference is in the filters on the left side of the page. Visa Infinite cardholders will see an "8th Visa Infinite Benefit" filter to help you more easily find hotels that come with that extra perk.

(Screenshot courtesy of Visa Luxury Hotel Collection)

Pricing

The Visa Luxury Hotel Collection has very competitive prices — sort of.

Let's say you want to stay at the Armani Hotel Dubai (which is inside the stunning Burj Khalifa, by the way). The price is the same on each site. If you don't enter a travel date, the site will generate a random (perhaps lowest?) estimated price for you.

Here's the Visa Signature price.

(Screenshot courtesy of Visa Luxury Hotel Collection)

And here's the Visa Infinite price -- though note that this rate also comes with a dining benefit worth $100.

(Screenshot courtesy of Visa Luxury Hotel Collection)

These rates have flexible cancellation. There isn't an option to book a nonrefundable rate.

Prices on the Visa site exactly match the price for the same flexible room rate on the Armani Hotel Dubai website. However, going straight to the hotel website could save you a lot of money simply because you can book nonrefundable rates for much cheaper. Here's the price for a deluxe room with flexible cancellation on the Visa Luxury Hotel Collection site (the same price you'll get when booking directly with the Armani Hotel Dubai).

(Screenshot courtesy of Visa Luxury Hotel Collection)

That's 3,308 United Arab Emirates dirham, which translates to $900.

However, a cheaper rate is available, which you'll only find when booking direct: The Early Bird Rate for $720. It's completely nonrefundable, so you'd better know for absolute certain that you can make the trip if you book this price. You'll save 662 AED ($180) per night.

(Screenshot courtesy of Visa Luxury Hotel Collection)

Bottom line

The Visa Luxury Hotel Collection offers elite-esque benefits at many hotels around the world. It's got two tiers of benefits:

  • Visa Signature cardholders: Seven elite benefits offered at over 900 hotels.
  • Visa Infinite cardholders: Eight elite benefits offered at 200 hotels.

Visa Infinite cardholders appear to get a very Amex Fine Hotels + Resorts type of experience. But the fact that these benefits are restricted to 200 hotels makes it far less valuable. TPG staff have been using Amex Fine Hotels + Resorts for years because of its high success rate in dramatically enhancing hotel stays in over 1,800 luxury hotels around the world.

Featured image by Getty Images/500px Prime
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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TPG featured card

Best for the well-traveled foodie
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
Apply for American Express® Gold Card
at American Express's secure site

Rewards

3 - 4X points
4XEarn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4XEarn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3XEarn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Intro offer

60,000 bonus points
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Annual Fee

$250

Recommended Credit

670-850
Excellent/Good
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

There's a lot to love about the Amex Gold card. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) and U.S. supermarkets. If you're hitting the skies soon, you'll also earn bonus points on travel. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. Enrollment required.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
  • 3x on flights booked directly with the airline or with Amex Travel
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months

Cons

  • Weak on travel outside of flights and everyday spending bonus categories
  • Not as useful for those living outside the U.S.
  • Some may have trouble using Uber/food credits
  • Few travel perks and protections
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Apply for American Express® Gold Card
at American Express's secure site
Terms & restrictions apply. See rates & fees
Best for the well-traveled foodie
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

4XEarn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4XEarn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3XEarn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Intro Offer
    Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

    60,000 bonus points
  • Annual Fee

    $250
  • 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.

    670-850
    Excellent/Good

Why We Chose It

There's a lot to love about the Amex Gold card. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) and U.S. supermarkets. If you're hitting the skies soon, you'll also earn bonus points on travel. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. Enrollment required.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
  • 3x on flights booked directly with the airline or with Amex Travel
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months

Cons

  • Weak on travel outside of flights and everyday spending bonus categories
  • Not as useful for those living outside the U.S.
  • Some may have trouble using Uber/food credits
  • Few travel perks and protections
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees