The cost of staying at five-star hotels in major cities like New York, Paris, and London has skyrocketed, often exceeding $1,000 per night. This makes even generous hotel credits from premium travel credit cards seem insignificant. However, American Express Fine Hotels + Resorts (FHR) offers a compelling alternative, especially in destinations where luxury hotel rates are more affordable.
Available to eligible holders of the American Express Platinum Card® and The Business Platinum Card®, FHR provides benefits like complimentary breakfast for two, a $100 property credit, room upgrades, and a guaranteed 4 p.m. checkout. Card members can also receive up to $600 in annual lodging statement credits, split into two $300 semiannual credits. These perks make the premium Amex cards particularly valuable for frequent travelers.
During a recent trip to the Philippines, a two-night reservation at The Peninsula Manila through FHR cost $361.46, including taxes and fees. With an eligible $300 Amex Platinum lodging credit, the effective cost dropped to $61.46 for two nights, or approximately $31 per night. This deal also included complimentary breakfast and a $100 food-and-beverage credit.
FHR is a luxury hotel booking program with over 1,900 properties worldwide. It offers benefits similar to top-tier hotel loyalty program members, even without elite status. These benefits include daily breakfast, a $100 property credit, room upgrades, and complimentary Wi-Fi. The $100 property credit is particularly valuable as it is provided per stay rather than per night.
The primary cards offering FHR access are The American Express Platinum Card® and The Business Platinum Card®, both with an $895 annual fee. The consumer Platinum Card is designed for travelers who can maximize its extensive travel, dining, and lifestyle benefits. The Business Platinum Card offers similar benefits tailored for business owners.
Until the end of 2026, eligible one-night FHR reservations qualify for the $300 semiannual statement credit. However, starting January 1, 2027, FHR reservations must be at least two nights to qualify for the lodging statement credit. This change impacts travelers who have traditionally used FHR for inexpensive one-night stays.