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Credit cards with a luxury hotel and resort collection

Get special benefits such as daily breakfast and room upgrades.

You don’t have to be an elite in a hotel program to get high-class perks. Book a stay at a property in a luxury hotel collection, and you could receive benefits such as daily breakfast, late checkout and room upgrades.

What luxury hotel and resort collections are available and what are the perks?

Luxury hotel collections are a curated set of properties that can be booked only by people with certain credit cards. There are four major luxury hotel collections offered by credit card companies.

The Luxury Hotel & Resort Collection

This is a portfolio of over 900 properties that’s curated by Chase. When you book a stay at a qualifying property with an eligible card, you’ll get perks such as:

  • Daily breakfast for two.
  • Special property benefits.
  • Complimentary Wi-Fi.
  • Room upgrades upon availability.
  • Early check-in and late checkout upon availability.

While Chase doesn’t publish a list of eligible cards, cards that are often reported to work include the Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, United℠ Explorer Card and United MileagePlus® Club card.

Here’s how you can verify whether your Chase card is valid:

  1. Search for a destination in the search bar on Chase’s Luxury Hotel & Resort Collection homepage.
  2. Select a property.
  3. Enter a check-in and checkout date. Then click Find rooms.
  4. You’ll see a popup that asks you to enter the first six digits of your Chase card. Enter these numbers and click Continue.
  5. If your card is valid, the page will refresh and you’ll see a list of available rooms.

Visa Luxury Hotel Collection

The Visa Luxury Hotel Collection has over 900 hotels globally. You can book one of its hotels if you have a Visa Platinum, Visa Signature or Visa Infinite card.

When you book a hotel in the collection, you’ll receive these perks:

  • Best available rate guarantee.
  • VIP guest status, which comes with different privileges depending on the property.
  • Complimentary in-room Wi-Fi, when available.
  • Complimentary daily continental breakfast for two.
  • Automatic room upgrade upon arrival, when available.
  • Checkout at 3 p.m. upon request, when available.
  • $25 food or beverage credit.

The Hotel Collection from American Express

The Hotel Collection is available to those who have one of these cards:

Use your card to pay for a booking for at least two consecutive nights, and you’ll receive perks that include:

  • $100 hotel credit to use on spa, dining and resort activities.
  • Extra points for prepaid bookings: 2x Membership Rewards points for Gold Card members. 5x Membership Rewards points for Platinum Card members.
  • Room upgrade at check-in, upon availability.
  • Pay for all or part of your prepaid hotel stay with Membership Rewards points.

The American Express Hotel Collection

Fine Hotels & Resorts American Express

Amex’s Fine Hotels & Resorts (FHR) is an even more exclusive portfolio of properties than The Hotel Collection. You must have The Platinum Card® from American Express or Centurion® Card from American Express and book through it.

Book a stay of any length at an FHR property and you’ll get:

  • Room upgrade at check-in, upon availability.
  • Daily breakfast for two.
  • Guaranteed late check-out at 4 p.m.
  • Noon check-in, upon availability.
  • Complimentary Wi-Fi.
  • An amenity unique to the property — for example, a spa credit or food and beverage credit.

Compare credit cards with a luxury hotel collection

Name Product Welcome Offer Rewards Annual fee Filter values
American Express® Gold Card
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on other eligible purchases

Rose Gold is Back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
The Platinum Card® from American Express
100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined eligible purchases in the same timeframe
10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other eligible purchases

New Platinum Exclusive Offer

One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
Luxury Card Mastercard® Titanium Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Luxury Card Mastercard® Black Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Luxury Card Mastercard® Gold Card™
1x points on all purchases with 2% point value when you redeem for airfare or cash back
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.

Compare up to 4 providers

What properties will I find in a luxury hotel collection?

Each luxury hotel collection will include properties from around the world. Typically, you’ll see just a few properties per location. Here’s a taste of the resorts you may have access to:

Park Hyatt Bangkok

Four Seasons Resort Hualalai

Waldorf Astoria Amsterdam

How can I use luxury hotel collection perks?

If you’re booking a stay at an Amex Hotel Collection property, you’ll need a minimum stay of two nights to qualify for luxury perks. There are no minimums for the other luxury hotel collections mentioned.

Membership Rewards Points

When booking through the Amex Hotel Collection or Fine Hotels & Resorts, consider making a prepaid booking with your The Platinum Card® from American Express or Centurion® Card from American Express. This way, you’ll earn five Membership Rewards points per dollar spent instead of 1x points.

Using luxury hotel collection benefits

After you’ve booked your stay with an eligible credit card, check the terms of your luxury hotel program’s benefits.

You’ll receive some of your benefits when you check in. For example, you may receive an automatic room upgrade or a welcome gift.

Other benefits may not be automatic. If you want late checkout, you may need to call the front desk and ask for it, for example. Similarly, remember to use your daily breakfast perk if you have it, and to spend on eligible purchases if you have credits for them.

Who gets to use luxury hotel and resort perks?

Technically, these perks go to the cardholder who books the reservation. But those on the same reservation can benefit from many of these benefits — for example, complimentary Wi-Fi, late checkout and potentially the resort credits and daily breakfast.

Bottom line

Booking through a luxury hotel collection is a great way to access luxury perks, especially if you don’t have elite status in a hotel program.

Select travel credit cards will make you eligible to book properties in luxury hotel collections. You can compare travel credit cards to find one that’s right for you.

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