AwardWallet receives compensation from advertising partners for links on the blog. Terms Apply to the offers listed on this page. Enrollment is required for select Amex benefits. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers. Offers for Bank of America cards mentioned in this post have been updated as of 10/13/2025
Offers for the Centurion® Card from American Express, The Bilt Mastercard®, The Ritz-Carlton™ Credit Card, Citi® / AAdvantage® Executive World Elite Mastercard®, Citi Prestige® Card, The American Express Corporate Platinum Card®, Chase Freedom Flex℠, Hawaiian Airlines® World Elite Mastercard®, J.P. Morgan Reserve card, Virgin Atlantic® World Elite MasterCard® and United MileagePlus® Club Card are not available through this site. Some offers may have expired. Please see our card marketplace for available offers
Holding elite hotel status is one of the best ways to elevate your travels. Elite hotel benefits — ranging from welcome amenities, bonus points, early check-in and late checkout, free breakfast, to the occasional free room upgrade — really do improve the hotel experience and make one feel rewarded.
But, if you don’t travel regularly, it can be difficult to collect enough nights within one hotel program to reach elite status, let alone across multiple programs. There's also the issue that chain hotels have a limited footprint in some areas of the world. That restricts the number of destinations where you can earn and enjoy your elite status. It might also be a reason to push you into another chain where you have no status if the chain you're loyal to has no presence.
But what if you could enjoy all of the best things about being an elite without actually having to put in the leg work? Here's how.
Page Contents
- What are Luxury Hotel Programs?
- American Express Fine Hotels + Resorts®
- Home Away from Home by Bilt
- Capital One Premier Collection
- The Edit by Chase Travel
- Citi The Reserve Collection
- Visa Luxury Hotel Collection
- Mastercard® Luxury Hotels and Resorts Collection
- Do Prices Differ Between Luxury Hotel Collections?
- Final Thoughts
What are Luxury Hotel Programs?
Credit card issuers have noticed the stickiness of loyalty programs offering elite status perks. In an attempt to replicate it, many have launched luxury hotel programs. Entities like American Express, Capital One, Chase, Bilt, Citi, and also Visa and Mastercard have started offering elite-like perks through proprietary programs to some of their most exclusive cardholders.
Many times, these programs are offered to cardholders of high-annual-fee, ultra-luxury travel credit cards. Cardholders gain access to luxury hotels all over the globe and receive complimentary elite benefits similar to what you’d receive as a top-tier elite member within these hotels' own loyalty programs. To enjoy these perks, all you need to do is book your hotel reservations through the issuer's travel portal.
Many of these programs have been around for years, while others have launched very recently. They are all somewhat similar with a few key differences, but they are all worth a look.
Perks of luxury hotel programs
Each luxury hotel program offers perks for booking accommodations through its travel portal. Common perks include space-available upgrades at the time of check-in, complimentary breakfast, an on-property credit to use during your stay, or free Wi-Fi, to name a few.
Below is an overview of luxury hotel programs accessed through credit card membership:
| Hotel Program Name | Guaranteed Benefits | Additional Benefits | What Can On-Property Credit Be Used For? | How to Book | Can You Book With Points? |
|---|---|---|---|---|---|
| American Express Fine Hotels + Resorts | Daily breakfast for two people Guaranteed 4 p.m. late checkout Complimentary Wi-Fi $100 Experience Credit to be used at the hotel | 5x points per dollar spent on eligible prepaid FHR stays Room upgrade at check-in, subject to availability Noon check-in, when available Up to $600 annual prepaid hotel credit (up to $300 semi-annually) when paying with the American Express Platinum Card® (The Hotel Collection requires a minimum two night stay) | Experience credit varies by property. Typical options include spa visits or food and beverage purchases. | Online at the FHR website or by calling 800-525-3355 | Yes (worth 1¢ apiece) |
| Bilt Home Away From Home | Daily full breakfast for two $100 property credit (at select hotels) Complimentary Wi-Fi | Early check in, subject to availability Late check out, subject to availability Room upgrades upon arrival, subject to availability | Food and beverage, spa services, or other hotel amenities | Online at Bilt Travel | Some properties are eligible to book with points, but not all |
| Capital One Premier Collection | Daily breakfast for two Complimentary Wi-Fi $100 experience credit to use during your stay | Earn 10x miles per dollar spent on Premier Collection bookings Room upgrade, when available Early check-in and late checkout, when available Can use the card's annual $300 travel credit toward these bookings (will not earn 10X miles on the travel credit portion of the booking) | Qualifying charges will be credited at time of checkout and vary by location. | Online at Capital One Travel Premier Collection website | Yes (worth 1¢ apiece) |
| The Edit by Chase Travel | Daily breakfast for two $100 property credit Complimentary Wi-Fi | Room upgrade, if available Early check-in, if available Late check-out, if available Sapphire Reserve cardholders can use the card's $500 annual The Edit credit toward these bookings | Special benefit uses vary by property, but generally includes dining, spa or other activities at the property | Online at LHRCollection.com or by calling 855-234-2542 | Yes (worth up to 2¢ apiece) United cardholders are not eligible to pay with points |
| Citi The Reserve Collection | Daily breakfast for two people Complimentary Wi-Fi for the length of your stay $100 on-property credit | Room upgrades at check-in when available Early check-in and late checkout based on availability Can combine with Prestige Card fourth night free Can combine with Citi Strata Elite $300 hotel credit or Citi Strata Premier $100 hotel credit | Varies by property. Credit may come in the form of a gift card or credit on final bill. | Online at the Citi Travel with Booking.com website or by calling 800-THANK-YOU | Yes (worth 1¢ apiece) |
| Mastercard® Luxury Hotel & Resorts Portfolio | Complimentary daily breakfast for two Additional bonus amenity, varies by location. Could be up to $100 hotel credit or other experience. | Complimentary room upgrade, subject to availability at check-in Early check-in, subject to availability Late check-out, subject to availability | Additional bonus amenity varies by location | Online at travel.mastercard.com | No |
| Visa Luxury Hotel Collection | Complimentary continental breakfast $25 food or beverage credit VIP Guest status | Room upgrade upon arrival, when available Complimentary in-room Wi-Fi, when available 3 p.m. check-out upon request, when available | Food and beverage | Online at visaluxuryhotelcollection.com | No |
Enrollment is required for select Amex benefits.
American Express Fine Hotels + Resorts®
Amex Fine Hotels + Resorts is a collection of highly curated luxury hotels and resorts that offer additional perks when you book through the program. This hotel collection is only available to those with the American Express Platinum Card®, The Business Platinum Card® from American Express, The American Express Corporate Platinum Card®, and Centurion® Card from American Express.
Amex Fine Hotels + Resorts benefits
- Complimentary daily breakfast for two guests
- $100 experience credit towards eligible charges (varies by property)
- Free Wi-Fi
- Guaranteed late checkout at 4 p.m.
- Early check-in at noon when available
- Room upgrades upon arrival if available
Amex Fine Hotels + Resorts hotel selection
Amex lists more than 1,600 hotels in its Fine Hotels + Resorts program, which you can search by vacation type on the dedicated FHR directory website. Filters include ambiance, environment, guest experience, and features and activities. If searching from the Amex Travel home page, a checkbox on the left side filters allows you to narrow down Fine Hotels + Resorts properties only.
Additionally, the Platinum Card® offers up to $600 in annual statement credits (doled out $300 increments twice a year) toward prepaid hotel bookings with Fine Hotels + Resorts or The Hotel Collection. (Hotel Collection bookings require a two-night stay minimum to use your credit.) This can really reduce the cost of your stay while still enjoying the perks mentioned above.
Home Away from Home by Bilt
In early 2025, Bilt launched its very own curated collection of luxury hotels called Home Away from Home. With it, it intends to rival all of these other competitors, and it might do just that.
Best of all, The Bilt Mastercard® doesn't charge an annual fee, unlike all of the other issuers with luxury collections out there. Although the card has no annual fee, Bilt users who want access to Home Away from Home will need to earn Gold or Platinum elite status in order to enjoy these bookings.
Home Away from Home benefits
- Daily full breakfast for two
- $100 property credit (varies by property)
- Free Wi-Fi
- Early check in, subject to availability
- Late check out, subject to availability
- Room upgrades upon arrival, subject to availability
Home Away from Home hotel selection
Bilt offers a collection of more than 1,700 hotels around the world, all of which are luxury properties. Gold and Platinum members enjoy these extra benefits by virtue of booking through Bilt's new platform. Those bookings also allow members to earn 2 points per dollar spent on the Bilt Rewards platform with their credit card linked to the program — in addition to those points they earned with their credit card.
Capital One Premier Collection
The Capital One Premier Collection is a selection of luxury hotels and resorts hand-picked for premium quality. It's available exclusively to those with a Capital One Venture X Rewards Credit Card or Capital One Venture X Business. The collection can be accessed through Capital One Travel.
When searching for hotels through Capital One Travel, you'll have the option to search Premier Collection properties only. All you need are your dates, location, and number of travelers, just like you would on any other hotel search.
Capital One Premier Collection benefits
- Earn 10 miles per dollar spent on hotel bookings (when charged to your Capital One Venture X or Venture X Business)
- $100 experience credit (varies by property and must be charged to your room)
- Daily breakfast for two
- Free Wi-Fi
- Room upgrades when available
- Early check-in when available
- Late checkout when available
The experience credit can be used towards dining experiences and spa services that can be charged to your room.
Capital One Premier Collection hotel selection
Capital One doesn't advertise how many properties are part of the Premier Collection of hotels and resorts. However, it does boast that the hotels that are included in the Premier Collection are one-of-a-kind resorts, hotels, or vacation rentals. You can find private islands and villas in the collection, as well, if that's more your style.
Compared to other collections in our article, the Capital One Premier Collection seems to include a relatively small number. When searching, you'll find that there's no way to further filter down results (by neighborhood, by features, etc.), but you can view hotels on a map to help narrow down your location.
The Edit by Chase Travel
Formerly known as Chase Luxury Hotel & Resort Collection (LHRC), The Edit by Chase Travel is available to those with either the Chase Sapphire Reserve® (Rates & Fees), Sapphire Reserve for Business℠ or J.P. Morgan Reserve card. Eligible cardholders can view bookable properties through the Chase Travel Portal.
The full list of cards that can book hotels through The Edit is as follows:
- Sapphire Reserve (Rates & Fees)
- Sapphire Reserve Business
- J.P. Morgan Reserve card (an invitation-only card for J.P. Morgan account holders with a minimum of $10 million in assets)
The Edit by Chase Travel benefits
- Daily breakfast for two.
- $100 property credit (towards dining, spa, and other activities at the property).
- Welcome amenity.
- Complimentary Wi-Fi
- Room upgrade at check-in if available.
- Early check-in when available.
- Late check-out, if available.
The Edit by Chase Travel hotel selection
Chase advertises more than 1,000 properties within The Edit, and there is no interactive map allowing you to search by region. Instead, you have to search each location manually via the search box on the homepage. However, you can view a map of your results after searching.
Sapphire Reserve cardholders also receive $500 in credits per calendar year towards prepaid stays booked through The Edit. It comes in two allotments of $250 to spend January through June and July through December. For this credit to take effect, bookings must have a minimum of two nights.
The Edit double-dipping opportunities
Shortly after rebranding as The Edit by Chase Travel, the program started offering select properties for which you may be able to book a loyalty program eligible rate. Those properties are clearly designated as such, and some specific rates will allow you to earn points with that hotel's specific loyalty program, helping you qualify for your status with them as well as earn redeemable points. Additionally, if this is a booking you use your credit card to pay for, you would also earn Ultimate Rewards points.
Citi The Reserve Collection
Citi The Reserve Collection is a collection of four- and five-star accommodations exclusively available to those with a Citi Strata Elite℠ Card, Citi Strata Premier® Card (Rates & Fees), and Citi Prestige® Card (no longer open to new applicants) cardholders. Cardholders can earn up to 10x ThankYou® Points, the bank's travel rewards currency, on hotels and rental cars booked through the Citi Travel portal.
Citi The Reserve Collection benefits
The Reserve Collection comes with a few guaranteed benefits and some that are based on availability:
- Complimentary Wi-Fi
- Daily breakfast for two
- $100 on-property credit variable by property
- Room upgrades at check-in, when available
- Early check-in if available
- Late checkout when available
Conveniently, there are no minimum stay requirements when booking hotels through The Reserve Collection, making it a great option for one-night stays.
Citi The Reserve Collection hotel selection
When searching for The Reserve Collection hotels in the Citi Travel portal, the results will bring back hotels and resorts belonging to both the Citi The Reserve Collection and the Citi Hotel Collection, if you have the right card, as well as hotels that don't participate in either program. The real benefits are in the Citi The Reserve Collection hotels, so be careful to book with the right collection.
After you search for hotels in your destination, you'll have the chance to filter by either The Reserve or Hotel Collections by checking a box.
If you still have the Prestige Card, you can stack the fourth-night-free benefit with the other perks available when booking Citi The Reserve Collection hotels. This benefit is available twice per year.
Other Citi cards offer annual money-saving credits on Citi Travel hotel bookings, including The Reserve and Hotel collections. With the Citi Strata Elite, you can get up to $300 back in statement credits for stays of at least two nights or more. The Citi Strata Premier also offers cardholders a $100 annual statement credit on hotel bookings through the travel portal, but only on reservations costing $500 or more (before taxes and fees).
Visa Luxury Hotel Collection
The Visa Luxury Hotel Collection offers over 900 properties around the globe, catering to both Visa Signature and Visa Infinite cardholders. The elite hotel benefits are similar to those from other issuers, offering seven perks for Visa Signature cardmembers plus one more for those holding Visa Infinite cards — though only available at over 200 hotels across the collection.
The first seven benefits listed below are available to all U.S.-issued Visa Signature, Signature Preferred, and Signature Business credit cards. You even get access with the Chase Sapphire Preferred® Card (Rates & Fees), which has a sub-$100 annual fee.
To qualify for the final benefit, you must hold a Visa Infinite rewards card issued in the U.S., such as these:
- Chase Sapphire Reserve®
- Atmos™ Rewards Summit Visa Infinite® Card
- The New United Club℠ Card
- The Ritz-Carlton™ Credit Card
- Crystal® Visa Infinite® Credit Card
- UBS Visa Infinite credit card
- Capital One Venture X Rewards Credit Card
Visa Luxury Hotel Collection benefits
The following perks are available on both Signature and Infinite cards:
- Room upgrade upon arrival, if available
- Free Wi-Fi
- Free daily continental breakfast for two
- $25 food or beverage credit
- VIP Guest status
- Late checkout at 3 p.m. upon request, when available
There are additional perks for Visa Infinite cardholders, but these are only available at around 200 hotels within the Visa Luxury Hotel Collection. Some of the perks you might receive include:
- An additional $75 food & beverage credit (on top of the existing $25 food and beverage credit Signature cards get)
- $100 hotel credit
- $100 spa credit
- $100 golf credit
- $100 room rate credit
The one downside of these additional benefits is that it is only available at a relatively small number of participating hotels within The Luxury Collection.
Visa Luxury Hotel Collection hotel selection
You can access the property list for Visa’s hotel collection via VisaSignatureHotels.com, and Visa offers the ability to refine your search by region, rating, style, and brand, or you can click on the interactive map at the top of the page for a visual approach. To see the Visa Infinite properties, you need to enter your card details on the Visa Infinite website.
Mastercard® Luxury Hotels and Resorts Collection
Mastercard offers a different program, with over 3,800 properties in its Mastercard Luxury Hotels and Resorts portfolio. This program is part of Mastercard Travel and Lifestyle Services and offers a concierge-style helpline, which is another benefit of holding a Mastercard credit card.
The program comes with all World Elite Mastercard® products, some of which are:
- Hawaiian Airlines® World Elite Mastercard®
- Citi Prestige® Card (no longer open to new applicants)
- Citi Strata Premier
- Citi® / AAdvantage® Executive World Elite Mastercard®
- IHG One Rewards Premier Credit Card (Rates & Fees)
- Bilt Mastercard
- Chase Freedom Flex℠
Unlike with other collections, this benefit is not restricted to premium cards only. In fact, you'll see some cards on the list have no annual fee. To reserve a hotel in the Mastercard Luxury Hotels and Resorts Collection, book online via travel.mastercard.com or call 855-802-1387.
Mastercard® Luxury Hotels and Resorts Collection benefits
The benefits section is where Mastercard’s offering gets interesting.
In addition to complimentary daily breakfast and “when available” check-in, check-out, and room upgrades, you receive one customized benefit. The bonus perks range from $50 and $100 hotel credits to guaranteed late check-out or even a private wine-tasting experience. The listed benefits include:
- Complimentary daily breakfast for two
- Room upgrade if available at time of arrival
- Early check-in, subject to availability
- Late check-out at 3 p.m., subject to availability
- Special World and World Elite Mastercard amenity worth up to $100 (viable by property)
Mastercard includes two more benefits when booking a hotel in the Luxury Portfolio and paying with a World Elite Mastercard:
- Mastercard Hotel Stay Guarantee: If your 3-star or higher-rated hotel is not working out, a Lifestyle Manager will work to make it right.
- Mastercard Lowest Hotel Rate Guarantee: If you find the same prepaid hotel stay for less, Mastercard will refund the difference.
A common complaint we hear from members attempting to book hotels through these portals is that they can find the same room cheaper elsewhere, so the low-price guarantee is a nice touch to ensure you get the best deal.
Mastercard® Luxury Hotels and Resorts Collection hotel selection
The hotel selection at Mastercard offers more variety and more locations than its rivals. After putting in your destination and dates, you can further filter results by amenities, star rating, whether it's part of the hotel collection, and price.
Do Prices Differ Between Luxury Hotel Collections?
Yes, they do. Most of the time, you'll see similar pricing between these collections, but sometimes the price differs by $100 or more per night for the same room. Make sure to do a quick comparison if you have multiple cards that offer you these benefits to see which one works best for you.
There is significant overlap between collections, particularly in larger, less off-the-beaten-path destinations. You may find that you hold multiple cards that offer these additional perks just for booking through their travel portal.
Additionally, it may be worth checking the price to book directly with the hotel. If booking via one of these portals is more expensive, consider whether the price difference is worth it for the added perks. Would an extra $10 per night for daily breakfast for two make sense? Most likely. Would paying $80 more for these elite hotel benefits be worth it? Unlikely.
Final Thoughts
Elite benefits like complimentary breakfast and late checkout can significantly uplift your hotel stays. Getting those perks as a credit card benefit — rather than through hotel status earned either the old-fashioned way or through a credit card — adds another layer of value to cards like the Sapphire Reserve and the Platinum Card®.
As for the best program? That's a tough question to answer — the best program will be the one you have. Assuming room rates were similar (any significant difference and it’s a no-brainer to choose the least expensive), we give an edge here to Amex Fine Hotels + Resorts for the guaranteed 4 p.m. late check-out, something none of the other programs offer as standard.
However, if you want to enjoy additional perks while still earning hotel points and status with the program, consider The Edit by Chase. While there's no guarantee that hotels booked through these other programs will honor your elite status benefits or give you stay credit with your favorite loyalty program, it never hurts to ask if you can add your rewards number to the booking.
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Sapphire Reserve® (Rates & Fees), Citi Strata Premier® Card (Rates & Fees), Chase Sapphire Preferred® Card (Rates & Fees), and IHG One Rewards Premier Credit Card (Rates & Fees)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
