Amex Fine Hotels & Resorts Guide: Your FHR questions answered


Amex Fine Hotels & Resorts (FHR) is a “luxury” hotel booking program available to both business and consumer Platinum cardholders. When booking hotels through Amex FHR, cardholders enjoy a suite of valuable benefits and in most cases also qualify for elite credit and benefits when staying at chain hotel properties. Since mid 2021, consumer Platinum cardholders have been able to enjoy an annual $200 statement credit toward prepaid Fine Hotels & Resorts bookings, which has piqued the interest of many and is the impetus for writing this guide.

a bed with pillows and a table in a room
Four Seasons Abu Dhabi, which at $201 per night was a great use of the Platinum card’s Fine Hotels & Resorts credit

Amex Fine Hotels & Resorts Benefits

I’ve long loved Amex Fine Hotels & Resorts and I find myself booking through FHR at least once or twice a year (at least in a normal world). This collection of hotels is accessible if you hold any flavor of the Amex Platinum card (including the Business Platinum). Amex FHR lists luxury hotels in destinations around the world, and when you book through FHR you always receive these benefits:

  1. Daily breakfast for 2
  2. Guaranteed 4pm late check-out
  3. Complimentary Wi-Fi
  4. Unique property amenity (usually a $100 resort credit, food & beverage credit, or spa credit)
  5. Noon check-in when available
  6. Room upgrade upon arrival based on availability

Most of that list is guaranteed — you always receive #1 through #4; numbers 5 and 6 are based on availability. In my experience, all of the above have been honored on most stays. I’ve only once had to wait for a room that wasn’t available for early check-in. The guaranteed 4pm check-out has come in handy a number of times. Breakfast for two at these properties can be worth quite a bit if you would otherwise consider paying the breakfast prices at these luxury hotels. Overall, I’d say it’s a valuable set of benefits.

two men sitting at a table with food on it
Greg and I making use of our $100 credits at the Four Seasons Abu Dhabi for Friday brunch. This was just the appetizers. Our hotel credit covered both room service dinner the night before and this entire brunch.

Program terms indicate that you must have a Platinum card to book a stay, but you can use any Amex card in the primary guest’s name to pay (whether in advance or at the hotel), though consumer Platinum cardholders booking a prepaid rate to trigger the annual statement credit will obviously need to pay with the Platinum card to trigger the credit.

Common questions about Fine Hotels & Resorts and the $200 Platinum card benefit

Can you book a prepaid hotel stay for check in during a future calendar year in order to earn the $200 credit for the current calendar year? 

The short answer is yes.

A question we have frequently received is whether, for example, a cardholder can use their 2024 credit by booking and paying for a stay that will happen in the new year (2025). There is no reason that wouldn’t work: the annual $200 credit for Fine Hotels & Resorts or The Hotel Collection bookings is based on making a prepaid reservation, so the date that matters is the date when you pay. As long as you book and pay for the stay during 2024, you can use the 2024 credit whether the stay occurs in 2024 or 2025.

However, see the next question for the challenge here.

Can you make changes to a Fine Hotels & Resorts booking?

Yes! To dates at least.

The answer used to be no, but that changed in the summer of 2023 when an update was made which enabled guests to change the date of stays online.

That’s potentially a huge benefit. For instance, imagine that a cardholder wants to use the 2024 Fine Hotels & Resorts credit to book a stay for summer of 2025. What if plans change and the hotel booking needs to be moved by a week or two?

In the past, bookings made through Fine Hotels & Resorts or The Hotel Collection could not be changed. They could be cancelled and refunded per the hotel cancellation policy, but date, location, or property changes were not allowed. However, with the ability to change the dates of existing reservations, you could make that amendment online and not have the previous year’s $200 credit clawed back.

Will Amex claw back the credit if you cancel your stay?

Yes, Amex promptly takes back its $200 credit when you cancel your prepaid Fine Hotels & Resorts or The Hotel Collection booking. In fact, we have cancelled and re-booked several times and had Amex (correctly) claw back and re-apply the credit multiple times on the same account. It seems that the system is set up to correctly recognize when to credit or debit based on reservation activity.

One situation that we haven’t yet tested is whether the credit will get clawed back if you have multiple qualifying reservations. For instance, imagine you make two separate $200 prepaid bookings and you later cancel one of them. Will Amex claw back the credit or recognize that you still have a qualifying booking?

Making multiple prepaid reservations may be a way to hedge your bets (though it is untested). For instance, if in late 2024 you made five separate $200 Fine Hotels & Resorts bookings for 2025 and you later canceled one booking, the Amex system will either claw back the credit or recognize that you still have four qualifying reservations. If the credit gets clawed back, you may have a leg to stand on with Amex to make the argument to be manually re-credited since you have other qualifying reservations made and paid in 2024. However, I don’t know for sure that you will be successful with such a claim and this strategy requires prepaying and floating the money for multiple reservations. I mention it for completeness as it may be a strategy that works, but it probably isn’t an attractive strategy in many cases.

Is a two-night stay required for Fine Hotels & Resorts bookings to qualify for the Platinum card’s $200 credit?


The consumer Platinum card comes with an annual (calendar year) $200 credit for qualifying bookings made through Fine Hotels & Resorts or The Hotel Collection. Note that bookings for The Hotel Collection properties require two nights, but Fine Hotels & Resorts bookings qualify even for single night bookings.

There has been a lot of confusion over the terms and customer service agents often dole out incorrect information. We at Frequent Miler have used this benefit multiple times for single-night Fine Hotels & Resorts bookings and can confirm both from a close read of the terms and from that real-world experience that single night FHR bookings qualify for the $200 Platinum card prepaid bookings credit.

However, The Hotel Collection bookings require a minimum of two nights to qualify for both The Hotel Collection benefits and the credit. A single-night The Hotel Collection booking will not trigger the credit even if it is a stay costing more than $200.

Can you split tender to pay with two Platinum cards?

No. There is no way to split payment for prepaid Fine Hotels & Resorts or The Hotel Collection bookings over multiple cards.

Can you use Plan It to effectively split payment over two years for a single stay?

A related but different question is whether one can use Amex’s “Plan It” feature to split payment for a 2025 booking and pay part now and part later on the same Platinum card. For instance, a reader asked if they booked a $400 hotel through Amex Fine Hotels & Resorts and used Plan It to pay $200 now and $200 in 2025, could they trigger this year’s hotel credit and next year’s hotel credit on the same booking?

My first instinct was that this wouldn’t be possible because Plan It is a way to pay Amex in installments. My assumption had been that Amex Travel gets paid the full $400 now and you would therefore only get the $200 credit for 2024.

However, the way that Plan It is being advertised in the booking process, I’m not sure. Again, my first instinct is that this wouldn’t work, but I find it not impossible that the charges could post separately and coded property to trigger the credit for both years. It could be worth a gamble for some, though keep in mind the fact that if you have to cancel your stay the 2024 credit will get clawed back.

Will you get Fine Hotels & Resorts benefits on back-to-back bookings?

Benefits like free daily breakfast for two and free Wi-Fi are daily benefits that apply each day regardless of the length of your stay.

The “local amenity” (typically a $100 hotel credit of some sort) is once per stay and technically back-to-back reservations are considered a single stay and thus would qualify for a single credit. In practice, you may end up getting the local amenity credit on back-to-back bookings even on consecutive nights, but it isn’t a guarantee. Many (most?) hotels will recognize and merge back-to-back reservations in the same primary guest name and then may only allow a single property credit. While it certainly isn’t impossible that you’ll get the hotel credit for each night of separate back-to-back bookings, I wouldn’t count on getting the $100 credit for back-to-back bookings in the same cardholder’s name. Ultimately, the FHR terms and conditions specifically state that you’re not eligible to duplicate those benefits on back-to-back stays, but implementation of that by individual properties is another matter.

If you aim to make back-to-back bookings, a better strategy is to do this in two-player mode. If you have a spouse or partner who also has a Platinum card (or a Platinum card authorized user card on one of your accounts), you could reserve night #1 in Player 1’s name and night #2 in Player 2’s name. That is more likely to qualify for the credit on each night with less pushback from the property. However, the FHR terms do specifically exclude that technique and so again, it’ll be down to the individual property as to whether or not that works. My wife and I have made back-to-back reservations and each gotten full benefits on a number of occasions without issue, but that may have been a combination of luck and the right properties.

If you don’t mind changing rooms, a related two-player strategy could be to take advantage of late check-out from room #1 and have Player 2 check in to a second separate room (since check-in will begin before Player 1 needs to check out). In that situation, I imagine the second $100 credit should apply without issue.

While I have occasionally heard stories of people being able to merge $100 credits from back-to-back reservations to use them on a single meal at the hotel, I certainly wouldn’t count on being able to do that and I would count on having either pushback from the hotel or confusion at the front desk at checkout or both. Proceed with patience.

Do Fine Hotels & Resorts bookings qualify for elite credit, benefits and hotel points?

a screenshot of a computer
I had booked this stay through Fine Hotels & Resorts and received Hyatt points and elite credit.


While most bookings made through online travel agencies (like Expedia, Priceline, Orbitz, etc.) and credit card portals (Chase Ultimate Rewards, Citi Thank You Portal, etc.) do not qualify for elite credit/benefits and hotel points, Fine Hotels & Resorts and The Hotel Collection bookings are different. These bookings do qualify for elite credit, benefits, and hotel points.

I have personally received elite benefits / elite night credit and hotel points on bookings made at Hyatt, Hilton, and Marriott properties. I expect IHG properties would get the same treatment. It would not surprise me if a customer service agent is unaware of this feature (whether an Amex agent or a hotel loyalty program agent), so don’t be surprised if you ask a supervisor’s supervisor’s supervisor and they tell you that you absolutely won’t get elite credit. You probably will.

Note that this stands in contrast to bookings made through Amex Travel that are not for Fine Hotels & Resorts or The Hotel Collection. If you book a hotel through Amex Travel that is not reserved through one of these two specific programs, that booking will not qualify for elite credit / benefits / hotel points. There is something different about the way that FHR and THC bookings function and as such they do qualify for loyalty credit.

How do you add your loyalty number to an Amex FHR booking?

You can enter your hotel loyalty program number during the booking process for an Amex FHR or The Hotel Collection booking, but you will need to look closely to expand the proper field and enter your number during the booking process. By default, the field for your loyalty number is collapsed and you’ll need to click on it to expand it an enter your number as seen below:

a screenshot of a contact us

Alternatively, you could reach out to the property after booking and they should be able to add your loyalty number to the reservation, but I prefer to do this when making my booking so that the reservation automatically populates in my hotel apps and Award Wallet.

Note that this can make for some good stacks. Fine Hotels & Resorts bookings should qualify for any paid hotel promotions for extra points or other awards.

Hilton Gold and Diamond elite members booking stays within the US can make out well since Fine Hotels & Resorts provides free daily breakfast for two, freeing up the daily elite member food & beverage credit to be used at another time of day (and potentially in conjunction with the $100 property credit provided by Fine Hotels & Resorts). Keep in mind that the Platinum card provides automatic Hilton Gold status.

Marriott members with suite night awards can apply those to Fine Hotels & Resorts bookings (provided of course that the property you have booked participates / accepts suite night awards and you have enough awards to cover the length of your stay, etc.). I have not tried to apply a Hyatt suite upgrade to an Amex Fine Hotels & Resorts booking, but I expect it would work.

Is it possible to make a Fine Hotels & Resorts booking in someone else’s name?

a black and white rectangle with white text

No, but maybe.

One of the most common questions we receive is whether a Platinum cardholder can book an FHR hotel stay for someone else. Perhaps Player 1 has a Platinum card but Player 2 has hotel elite status or will be the one checking in. In the past there was no way to change the primary guest name on a Fine Hotels & Resorts booking: the field for primary guest name was automatically entered as the primary Platinum cardholder (or Platinum card authorized user cardholder if your authorized user has a Platinum AU card (not a Gold) and makes the reservation through his/her account).

However, a change was made in early 2023 that now enables you to freely enter a name in the booking process. The “Main Contact” is still the primary cardholder name and there is a note below the main contact name that says “Fine Hotels + Resorts reservations must be made in the name of the eligible Card Member. Technically, that means that the stay must be booked in the name of the Platinum card holder or Platinum authorized user / employee card by the terms. However, it is at least possible to enter anyone’s name in the name field.

In practice, it may be possible to add a second guest to the reservation directly through the hotel. An intended workaround involving the loyalty number produced weird results where I ended up with four separate reservations under different confirmation numbers, so I recommend proceeding with some caution if you intend to be creative. Plans changed and I cancelled all four of my reservations (the one I had actually made and three phantom ones), but the hotel still called me on check-in day because things showed up oddly on their end. Proceed with caution.

Can a Fine Hotels & Resorts rate be price matched? Can you make use of a best price guarantee?

No. Fine Hotels & Resorts typically uses what the hotel advertises as its “standard rate”. In many cases, there may be better rates available whether those are rates for loyalty program members, AAA members, or those affiliated with specific corporations or groups. Many hotels also have discounted nonrefundable rates. You can’t book any of those types of specialty rates through Fine Hotels & Resorts. If one of those rates makes more sense for your stay, you will want to book directly to take advantage of that rather than booking through FHR.

On the other hand, many of the properties in the FHR program do not offer regular discounts and in many instances I’ve found rates to match or be approximately the same as what I would book elsewhere. In those cases, the benefits (like daily breakfast for two and the $100 hotel credit) have more than made up for small price differences. YMMV.

What happens if you cancel your Platinum card after booking and receiving the credit but before checking in for your stay?

a group of credit cards on a counter

This is a good question. While I don’t know the answer for certain, I expect that nothing happens: your booking is prepaid and was booked through the Fine Hotels & Resorts program, so I would expect full FHR benefits at the hotel. I doubt the hotel is privy to your cardholder status at the time of check-in so I would expect full benefits.

Note that while you need to have a Platinum card to book a Fine Hotels & Resorts stay and you need to pay with your Platinum card when looking to use the $200 prepaid booking credit, the terms of the program indicate that you can use any Amex card in the primary guests/s name to pay for your stay (whether for incidentals at the hotel in the case of a prepaid booking or for your entire stay if you are not booking to use the prepaid booking credit). You should therefore be able to use any Amex card to pay for incidentals at the hotel even if you have since cancelled your Platinum card.

Again, we haven’t tested this but I would be very surprised if you ran into an issue with this. I don’t know what happens if you later cancel your stay, but I assume it is handled in the same way as any merchant refund after you have closed a card. I assume Amex would send you a check.

If you need to change dates on an FHR stay, a reader has confirmed that they weren’t able to do that after cancelling the card that they made the reservation on originally.

Other questions?

If you have additional questions about Amex Fine Hotels & Resorts that are not covered in this guide, please ask in the comments and we will add to the guide as appropriate. If you have further questions that specifically relate to The Hotel Collection, see: The Hotel Collection Mini Guide: Prepaid rates earn hotel points/perks, and more surprising finds.

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Don Spencer

Are there rules for concurrent stays using separate Am Ex Platinum cards? My wife (P2) and I (P1) want to two rooms for one night in Madrid. Our two daughters will be staying in the second room. Will there be any issues regarding the $200 credit card rebate AND will the $100 credit apply to each room? We would use that for dinner at the hotel, using separate checks.

Jan W

Has anyone successfully received the $200 credit from Amex BIZ Platinum lately? In January, I reserved three consecutive nights at The St. Regis Doha on two Amex Plat (personal) cards and one Amex Biz Plat. When I noticed there was no $200 credit on the Biz card, I contacted Amex and had quite a long conversation with the agent, who assured me that benefit was only on personal Platinums. I was also unable to find it listed under the Amex Biz Plat benefit section at that time. And, of course, I have not received a $200 credit despite the over $300 charge. I thought I had remembered it incorrectly, but this post indicates a credit should have been given. Any other recent data points?

Jan W

Thanks, Nick! It seems I’ve managed to misunderstand this difference from the first time I read about FHRs. This post–and others you have written–have probably been clear to most folks since Day One. Oh, well. I’ll be enjoying my three nights in Doha next week, so that will help me get over it!


Does the Business Platinum come with a $200 FHR credit like the consumer version?

Jan W

Learn from my mistake. See above comment.


Nick, just a head’s up . . . certain hotel network properties will NOT receive loyalty program credit if booked via FHR. There’s a carve-out provision related to a given property’s pricing policies. Just try the Ritz Carlton NY Central Park.


Is the breakfast benefit offered as “FREE”, or a certain dollar amount like the Diamond benefit from Hilton, which is not going to cover much in those luxury hotels.


It’s a certain dollar amount. In my previous experience, it’s been about $35 per person.


Regarding back-to-back stays – P2 and I both have an AmEx platinum and we have done back-to-back nights where each of us books one three years in a row and told the hotel beforehand so we were able to stay in the same room. We each got the $200 credit for the prepaid booking but only one $100 hotel experience credit as per the terms each time. Perhaps if we didn’t link the stays and checked out and back in as Greg says it might work but it would depend on the hotel staff, not worth the inconvenience of checking in and out for us.

Jan W

Same for me. Was just glad to stay in the same room!


For Marriott properties or other ones with Lounge access (such as Ritz), does an Amex Fine Hotels booking also include Lounge access? Guessing not, but thought I would check.


No. However, since an FHR booking is basically a travel agent booking and not an OTA booking, if you have elite status that grants you lounge access, you should still receive those benefits on top of your FHR benefits. It’s kind a moot point in a lot of cases, though, since many hotels have their breakfast through the lounge anyways.

In terms of Ritz properties, though, lounge access is ALWAYS an extra charge. There is no way to get it for free unless you get really lucky and the Ritz desk agent likes you enough to give you a free upgrade to a lounge access room. They usually only do that for high rollers or for business travelers they see frequently at the same hotel.


Regarding points credit for IHG stay, this worked for me with huge delay. Stayed at Regent Berlin in the summer 2023, was too lazy to call about missing points, later noticed points posted automatically some time in October.

Quite often I see FHR hotels run promos pay for 2 nights, get 3rd free. These promos stack with FHR credit and produce very good options to stay at quality hotels.


Do THC track for elite nights? I thought only FHR did? I had skipped looking at THC many times because I thought THC appeared as Expedia.


No, THC are an OTA booking and do not count. FHR bookings and THC bookings are two very separate things.


That is what I thought, I read this different: “Fine Hotels & Resorts and The Hotel Collection bookings are different. These bookings do qualify for elite credit, benefits, and hotel points.”

The ‘These bookings’ in the second sentence refers to the section header, not the two styles of booking mentioned in the immediately previous sentence.


Hotel Collection bookings with Hyatt properties receive elite benefits and night credits. I did 2 different Hyatt stays last year, with Hotel Collection bookings, both received World of Hyatt benefits.


For non-Marriott FHR stays what is the best Amex CC to pay for any incidentals at the hotel? I’m assuming a Marriott Amex would be best at a Marriott FHR property.


That is completely dependent on what type of points you are trying to earn and if you know how to use transferable points for maximum value. If you know how to use transferable points, a 3X travel card like the Chase Sapphire Reserve, AmEx personal Green, or the Citi Premier cards are going to be the best bet, depending on what points ecosystem you want to be in.

Marriott cards aren’t necessarily the best for Marriott stays either. Yes, you’ll earn 6X on Marriot spend, but at an average value of only .8 cents per point, that is only a 4.8% average return, so you’d do better with on a 3X transferable point travel card if you can use those points for 2 cpp or better, meaning you’d be getting a 6%+ return instead of a 4.8%. Again, though, this is largely dependent on if you understand the value of points and how you tend to use your points. Lots of variables affect the outcome here, so there’s really no correct answer without knowing more about you personally.

Julie Slater

so I am trying to retroactively add my Hilton Number to Conrad Midtown NY and was told not eligible but this was a FHR booking. is there anything to be done?


Do room charges such as food & beverage earn 5x points, or no bc that portion wasn’t prepaid?


no, you only earn 5X on the prepaid rate. You earn at whatever rate the card you pay the incidentals earns.


I have made an FHR reservation(made last year) with only 2 occupants, and got the $200 credit. can i change the reservation to include two more occupants? Will they accept the change and won’t claw back my credits ?


To add to my prior comment, I was able to call in and make an FHR reservation in someone else’s name. The agent even said that that person would receive FHR benefits.


Any update on if the other person was able to receive FHR benefits.


Have not been able to find much info on this part of the experience, so if there any that can share their experience or links to some details it will be helpful. I booked a Marriott property through FHR. The reservation shows up in my Bonvoy App and I’ve received the option to “Check-in” via the app because they have virtual keys. Has anyone checked in via the app and received (1)Room upgrade, & (2)Early 12noon check-in? I know those two items are “when available”, but just wondered if the app accounts for this, or if it is the actual agent at the desk manually applying those perks when they are available? My initial reaction is to just check-in at the front desk, but thought I would ask.