The American Express Fine Hotels + Resorts program is offered to those with a Centurion or Platinum American Express credit card. You’ll get cost-saving benefits at more than 1,500 top-rated properties worldwide, which can add significantly to the value of your card.
The program is packed with perks, such as a complimentary breakfast, early and late check-in and a $100 experience credit. It’s a great way to have a VIP travel experience without having to spend enough to hit elite status. Plus, the Platinum and Centurion cards come with their own luxury benefits that can help cover their high annual fees when paired with American Express Fine Hotels + Resorts benefits.
American Express Fine Hotels + Resorts is worth it because you’ll get high-end benefits valued at around $600 without holding elite status. This is a huge savings when stacked on top of rewards like 5X Membership Rewards® Points on hotel bookings with The Platinum Card® from American Express. Properties in the Fine Hotels + Resorts program range from large luxury hotels like the Fairmont Grand Del Mar in San Diego and independent hotels like The Lodge at Sea Island in Saint Simons Island.
The downside is that you have to book your stay through the American Express travel portal, where you won’t always get the best rate. If you’re a loyalty program member, you’ll also have to skip loyalty program points, and you may have to forgo your elite status benefits.
But many hotels will offer additional perks like a free night that can bring the cost down. Plus, you can combine other card perks and credits like the $200 hotel credit you’ll get each year when you book using your Platinum card.
American Express Fine Hotels + Resorts is available if you have a Platinum or Centurion card. This includes The Platinum Card® from American Express, The Business Platinum Card® from American Express and the Centurion® Card from American Express.
| Credit Cards | Our Ratings | Annual Fee | Rewards Rate | Welcome Offer | |
|---|---|---|---|---|---|
The Platinum Card® from American Express
|
$695 | 5X points
| Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. | ||
The Business Platinum Card® from American Express
|
$695 | 1X - 5X points
| Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. | ||
Centurion® Card from American Express*
|
$5,000 | N/A | N/A |
The American Express Fine Hotels + Resorts program has six main benefits that apply per room for up to three rooms per stay. According to American Express, these benefits are worth a total of around $600. When you book an American Express Fine Hotels + Resorts hotel through the American Express portal you won’t be able to use hotel loyalty benefits or search for the lowest price, but the $600 value of these benefits will make up for it.
Check-in as early as 12 p.m. when available
This is one of two benefits that are not guaranteed at each stay. You’ll need to verify if the hotel has availability to give you an early check-in.
Room upgrade upon arrival, when available
Room upgrades are also dependent on availability upon check-in. American Express also notes that certain room categories are not eligible for a room upgrade.
Experience credit
Minimum $100 credit unique to each property. Examples include:
The $100 experience credit is one of the most valuable benefits offered with Fine Hotels + Resorts. The hotel chooses the form of credit that you will receive and you’ll be able to see what type of credit you’ll get upon booking. A general property credit or food and beverage credit are the two most popular credits you’ll find.
Daily complimentary breakfast during your trip for two people
While the $100 experience credit often applies to dining, adding on a complimentary daily breakfast can heavily reduce your food and beverage spending on your trip. Breakfast is valued at a minimum of $60 per room per day and varies by location.
Guaranteed 4 p.m. late checkout checkout
With a guaranteed 4 p.m. checkout, you’ll get almost an entire extra day at the hotel of your choice without having to pay for an extra night. This can also be helpful if your flight is later in the day or you want to take advantage of additional amenities before you leave.
Complimentary Wi-Fi
Although many hotels now include complimentary Wi-Fi, some hotels charge a mandatory property fee that includes Wi-Fi. If this is the case, you’ll get a daily credit for the amount of Wi-Fi applied at check-out.
$200 hotel credit
Platinum card members will get $200 back in statement credits each year on prepaid Fine Hotels + Resorts bookings with American Express Travel. No enrollment is required.
Complimentary nights and other discounts
Some hotels offer additional perks like a complimentary night or a percentage off of your nightly room rate. For example, the Conrad Punta de Mita has offered a complimentary fourth night and the Conrad Maldives Rangali Island has offered 30% off the nightly room rate on suites.
Higher experience credit
You’ll always get a $100 experience credit with Fine Hotels + Resorts, but some hotels offer an even higher property credit. For example, Dorado Beach, a Ritz-Carlton Reserve, has offered a $750 property credit.
Fine Hotels + Resorts includes over 1,500 properties worldwide. Here are a few examples of qualifying hotels’ popular destinations:
London, England: Mandarin Oriental Hyde Park
→ Has offered a complimentary third night.
Paris, France: Park Hyatt Paris-Vendome
→ Has offered a complimentary fourth night and $150 property credit.
New York, New York: Baccarat Hotel New York
→ Has offered a $250 food and beverage credit and $150 property credit towards spa services.
Miami, Florida: Mandarin Oriental, Miami
→ Has offered a complimentary fourth night.
Los Angeles, California: Four Seasons Hotel Los Angeles at Beverly Hills
→ Has offered a complimentary fourth night.
Chicago, Illinois: Waldorf Astoria Chicago
→ Has offered 25% off the nightly room rate on select rooms.
Las Vegas, Nevada: Waldorf Astoria Las Vegas
→ Has offered 15% off the nightly room rate on select rooms.
San Francisco, California: The St. Regis San Francisco
→ Has offered a $200 food and beverage credit.
Boutique or non-chain hotels don’t typically offer the option to get elite status or additional benefits. You may not usually choose a boutique hotel for this reason, but the American Express Fine Hotels + Resorts program is a good solution for this. For example, the Alila Napa Valley is a boutique hotel that offers Fine Hotels + Resorts benefits and an additional free night.
Without the Fine Hotels + Resorts program, you’ll need to reach elite status with a specific hotel brand to get the same benefits. For example, you would need to stay 50+ nights and reach platinum elite status with Marriott Bonvoy to get a late check-out benefit.
If you’re loyal to a hotel brand, elite status may give you more hotel-specific benefits. But, if you don’t want to worry about staying at a specific hotel chain enough to hit elite status, the Fine Hotels + Resorts program is a good choice. In some instances, you can even use your elite status and Fine Hotels + Resorts together, though many hotels require you to book through their channels to use your elite status.
The experience credit is one of the most valuable benefits you can get with the Fine Hotels + Resorts program. The experience credit is at least $100 no matter how long you stay, so you can maximize this credit on shorter trips. For example, if you’re looking for a relaxing weekend getaway to La Jolla, California the Lodge at Torrey Pines will cover $150 in spa services as your experience. This is a huge savings for a one or two-night stay. Plus, if you find a hotel offering a third or fourth night free, you can extend your short trip further at no additional cost.
The Platinum Card® from American Express also offers up to $200 in statement credits after you book one eligible stay. This is another big way to reduce the cost of a shorter stay once a year.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
The information related to the Centurion® Card from American Express and Wells Fargo Active Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
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