Booking a luxury hotel through a premium credit card travel portal can unlock valuable perks—think daily breakfast, property credits, upgrades, and more. Two of the most popular programs are American Express Fine Hotels & Resorts (FHR) and The Edit by Chase (formerly the Luxury Hotel & Resort Collection). While both offer similar benefits, there are key differences in hotel selection, perks, and how each fits into a broader travel strategy.
Who Can Access These Programs?
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AMEX Fine Hotels & Resorts (FHR): Available exclusively to Platinum and Centurion cardholders.
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The Edit by Chase: Available to Sapphire Reserve cardholders.
What Benefits Do They Offer?
| Benefit | AMEX Fine Hotels & Resorts | Chase The Edit |
|---|---|---|
| Room Upgrade (if available) | ✅ | ✅ |
| Daily Breakfast for Two | ✅ | ✅ |
| Property Credit | $100 (varies by hotel) | $100 (typically resort/dining) |
| Guaranteed 4PM Late Checkout | ✅ | ❌ (late checkout if available) |
| Noon Check-In (if available) | ✅ | ✅ |
| Complimentary Wi-Fi | ✅ | ✅ |
| Cardholder Travel Credit | $200 AMEX Platinum Hotel Credit | None |
Minimum Stay Requirements
Both programs offer benefits starting with a one-night stay, making them great options even for short getaways.
Hotel Selection & Positioning
AMEX Fine Hotels & Resorts is known for featuring top-tier, ultra-luxury properties—think Four Seasons, Rosewood, Aman, and Mandarin Oriental. These are often some of the most prestigious hotels in their respective cities.
Chase’s The Edit, by contrast, has a broader selection, including many high-end properties that may not be quite as exclusive but still offer premium experiences. The program spans more brands and locations, which can be a plus if you’re looking for greater flexibility or availability.
For luxury travel that doesn’t require the ultra-premium price tag, AMEX also offers The Hotel Collection. While it provides fewer perks—no breakfast or guaranteed late checkout—it can still deliver good value for Platinum and Gold cardholders, particularly when stacking with AMEX’s annual $200 hotel credit.
Loyalty Points and Elite Night Credits
A common question when booking through luxury portals is whether you’ll still earn loyalty points and elite night credits with the hotel. With both FHR and The Edit, the answer is often yes—especially at chain hotels like Marriott, Hilton, Hyatt, and IHG.
Chase makes it easier to tell in advance. Hotels that allow you to earn loyalty credit are clearly marked in the search results within The Edit, giving travelers confidence when selecting a property. While AMEX FHR bookings may also be eligible, the process is less transparent and often requires confirming directly with the hotel.
Value Snapshot
A one-night stay through either program can easily unlock $150–$200+ in perks:
- Breakfast for two = $50–$80
- $100 property credit = usable at on-site dining or spa
- Late checkout or room upgrades = added comfort and flexibility
The actual value depends on how you use the benefits—but in many cases, these programs more than justify any slight premium in room rate.
Which Program Is Right for You?
In most cases, the decision between AMEX Fine Hotels & Resorts and Chase’s The Edit will come down to which luxury credit card you carry. AMEX FHR is exclusive to Platinum and Centurion cardholders, while The Edit is only available to Sapphire Reserve holders.
If you only have one of these cards, your choice is already made—and either program will deliver excellent value. The smaller differences—like guaranteed late checkout with AMEX or loyalty credit visibility with Chase—really only matter if you have access to both.
If you often stay at ultra-luxury properties and want the highest-tier service with fixed perks, FHR is likely your go-to. If you’re more focused on flexibility, a broader selection, and knowing which stays earn elite credit, The Edit has its advantages.
Final Thoughts
Both AMEX FHR and Chase The Edit can elevate your hotel experience with meaningful perks. Choosing the right program depends on your card portfolio, hotel preferences, and elite status goals. Look beyond just the room rate and consider what total value you’ll get—whether that’s a suite upgrade, a late checkout, or a loyalty boost on your way to elite status.
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2 comments
I appreciate your detailed comparison!
You also got points for booking on portal