Chase Luxury Hotels vs AMEX Fine Hotels

Chase Luxury Hotels vs AMEX Fine Hotels

Million Mile SecretsChase Luxury Hotels vs AMEX Fine HotelsMillion Mile Secrets Team

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American Express and Chase each offer separate programs for booking paid stays at luxury hotels at more than 900 hotels, resorts, lodges, and spas throughout the world.

When you book a stay through American Express Fine Hotels & Resorts or Chase Luxury Hotel & Resort Collection, you can find competitive rates and enjoy extra perks like late check-out, room upgrades, and free breakfast.  But you’ll always want to shop around before booking to make sure you get the best deal!

The programs are only available for folks with certain credit cards from each bank.

Chase Luxury Hotels Vs AMEX Fine Hotels
Use AMEX Fine Hotels or Chase Luxury Hotels to Book Stays at Hotels Like the Wynn in Las Vegas and Enjoy Perks Like Free Breakfast for 2 and a $100 Resort Credit!

I’ll compare both of these hotel programs!

Who Can Use Chase Luxury Hotels & AMEX Fine Hotels?

Link:   American Express Fine Hotels & Resorts 

Link:   Chase Luxury Hotel & Resort Collection

1.   AMEX Fine Hotels & Resorts

To book a stay through the AMEX Fine Hotels & Resorts program, you’ll need to have one of these cards:

You won’t have to pay for your reservation with your AMEX Platinum card. But you will have to use a card that’s linked to your AMEX account.

2.   Chase Luxury Hotels & Resorts

The Chase Luxury Hotels & Resort Collection is much more flexible, although Chase doesn’t publish a list of which cards are eligible.  But readers report success with these cards:

To check if your Chase card is eligible, you can search for hotels.  Then, enter the first 6 digits of your Chase card when prompted.

Chase Luxury Hotels Vs AMEX Fine Hotels
Check If Your Chase Card is Eligible for the Chase Luxury Hotel Benefits

You’ll find out right away if your card qualifies.

Chase Luxury Hotels vs AMEX Fine Hotels

1.   Perks

Overall, the perks of the AMEX Fine Hotels & Resorts and Chase Luxury Hotel & Resort Collection programs are very similar.

When you book through AMEX Fine Hotels & Resorts, you’ll get:

  • Early check-in (if available)
  • Complimentary Wi-Fi
  • Daily resort or hotel credit (if available)
  • Free daily breakfast for 2
  • 4:00 pm guaranteed late check-out
  • Room upgrade (if available)

And when you book through Chase Luxury Hotel & Resort Collection, you’ll get:

  • Early check-in (if available)
  • Daily resort or hotel credit (if available)
  • Free daily breakfast for 2
  • Late check-out (if available)
  • Room upgrade (if available)

So, one perk of the AMEX program compared to Chase is the guaranteed late check-out.  This can come in handy if you have a late afternoon flight and would like to spend extra time at the hotel or resort.

The AMEX program also has limited time offers, which are not available through Chase.  For example, certain hotels in their program offer a complimentary 4th, 5th, or 6th night with your paid stay.  I’ll explain more about this shortly.

2.   Price Comparison

To compare prices between the AMEX & Chase programs, I searched 1 night at the Wynn Las Vegas.

Through AMEX, the nightly rate for a deluxe resort king room is ~$359.  But this amount does NOT include the estimated room taxes!

Chase Luxury Hotels Vs AMEX Fine Hotels
AMEX Fine Hotels & Resorts Shows the Total Cost of ~$359. But This Does NOT Include Taxes!

Chase shows the total cost of a room including taxes of ~$441.

Chase Luxury Hotels Vs AMEX Fine Hotels
Chase Shows the Total Cost of a Night at the Wynn of ~$441, Which Includes Taxes

So although the AMEX rate appears to be cheaper, it does not include the taxes.  In the end, both programs have the same rate and similar perks.

If you book the same room directly through Wynn Las Vegas, you’d pay ~$447.  But you wouldn’t get perks like:

  • $100 resort and spa credit
  • Free breakfast for 2

So, in this example, it would make sense to book through AMEX or Chase to get the added benefits that won’t cost you a dime!

Here’s another example for a 1 night stay at the luxurious Shutters on the Beach hotel in Santa Monica, California.

Chase Luxury Hotels Vs AMEX Fine Hotels
Book a Stay at Shutters on the Beach in Santa Monica Through AMEX or Chase for Extra Perks

I found a 1 night stay in April 2017 directly through the hotel for ~$733, which includes taxes and fees.

AMEX and Chase both show a nightly rate of ~$862 (including taxes) for the same type of room.  But when you book through AMEX or Chase, you’ll get:

  • $100 spa credit
  • Free breakfast for 2 (up to $50)

In this case, you’ll want to do the math to see if paying an extra ~$129 is worth the potential $150 in perks.

Remember, you’ll also get a guaranteed 4:00 pm late check-out through AMEX.  So consider this when booking if you’d like to spend some extra time on the beach!

3.   AMEX Limited Time Offers

Unique to the AMEX Fine Hotels & Resorts program is a list of limited time offers.

Chase Luxury Hotels Vs AMEX Fine Hotels
AMEX Has a List of Hotels With Limited Time Offers, Like a Complimentary 4th or 5th Night

You’ll want to check the terms of each complimentary night offer.  Because certain weekends and holidays can be restricted.

Also, the credit for the complimentary night will apply when you check-out.

Using the AMEX complimentary night can certainly be a valuable perk  But I always recommend shopping around.

That’s because the AMEX promotion might only apply to certain types of rooms or suites.  Therefore, you might be able to save money paying for all of the nights directly through the hotel.

4.   Earn Hotel Loyalty Points

With paid stays through the AMEX or Chase hotel programs, you can earn credit and loyalty points.

But you might not be able to link your loyalty account online.  I’d recommend calling AMEX or Chase to ensure you get credit for your stay.

Keep in mind, you will not be able to combine any hotel loyalty promotions with your stay through AMEX or Chase.  For example, if a certain hotel has a 5th night free promotion, AMEX or Chase will NOT be able to apply this to your stay.

Bottom Line

The AMEX Fine Hotels & Resorts and Chase Luxury Hotel & Resort Collection programs offer competitive rates for paid luxury hotel stays.  But I always recommend shopping around to make sure you’re getting the best deal!

When you book through one of these programs, you’ll also enjoy automatic perks like free breakfast for 2 and a spa or resort credit to use during your stay.  And when available, you’ll get added benefits like early check-in and room upgrades.

The AMEX program has an advantage because you get a guaranteed 4:00 pm late check-out.  And they have limited time offers at certain hotels for complimentary nights with a paid stay.

Do you book hotel stays through AMEX Fine Hotels or Chase Luxury Hotels?  I’d love to hear about your experience in the comments!

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I just booked at the Aria through Chase Luxury Collection. The bottom of the booking site states the rate is "inclusive of taxes." The Aria charged me the first night's deposit, and charged me the full 13 % tax. I called the hotel and they said they always charge tax. I called the booking site, and after a 45 minute wait, talked to a specialist who knew nothing of the tax inclusive wording and said hotels always add tax to the booked rates. No effort on her part. I said the tax inclusive wording should be removed. She said, probably. It's still there. No one to email for a direct written answer in print. My trip is in November 2017, our 50th wedding anniversary. If I get charged tax, and I'm sure I will, I will ask Chase to credit me for the tax. Otherwise I will cancel the card. My wife and I both have individual Sapphire Reserve cards. A good card, but the LHC booking site leaves a lot to be desired. A 45 minute wait to talk to the specialist, after a 10 minute wait to speak to the initial contact. My call seemed to be considered a nuisance call. How many people will be shocked at getting charged tax?

I will add that on a separate issue, I got a good specialist who put me on hold, called the hotel, got back to me and stated that the hotel had given me misinformation on the breakfast credit per person benefit. She stated I was informed that the person that told me the credit was per room, not per person, was confused because other M properties give a credit per room, while the Aria benefit is credit per person. People on sites have complained that they only received the per room credit.

Does anyone know if the Chase Luxury Resort & Hotel Collection offers rate matching? Booking through Chase Ultimate Rewards is $100 less a night, after taxes and fees!

The Sapphire Preferred does not qualify for bookings. If you receive an error message when checking out, your card likely does not work for bookings. You can call 866-973-2911 (the phone number for Luxury Hotel & Resort Collection) to book it over the phone, but still must have cards that qualify. According to the rep I talked to, only the Sapphire Reserve and United Explorer qualify for bookings. The others allow you to see availability and benefits but not allow you to actually book.