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Chase cardholders can boost their travel experiences with elite accommodations through the Luxury Hotel & Resort Collection. Not all Chase cards offer this lux portfolio, though, so pick the right card to take advantage of this perk.
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If you’re a lover of the finer things in life, Chase’s Luxury Hotel & Resort Collection can certainly be a plum credit card benefit.
It comes with perks — like free breakfast and late checkout — that you’d normally need elite status to qualify for.
Even better, access to Chase’s hotel collection comes standard with many of its most popular travel cards. Here’s which credit cards have Chase’s luxury hotels benefit — and how to take advantage of it.
The Luxury Hotel & Resort Collection (LHRC) is an assortment of more than 1,000 luxury hotels, resorts, lodges, and spas that extend special benefits to certain Chase cardholders.
To be eligible, you must book your stay at one of the hotel collection’s properties with an LHRC Travel Specialist (phone number: 858-270-0907) or on lhrcollection.com and pay with your eligible Chase card. Bookings made with points are not eligible (though LHRC bookings will earn points/nights toward a hotel’s loyalty program and elite status).
When you follow those guidelines, here’s what you’ll get:
Given that breakfast can easily cost $25 per person, per day at top-tier hotels and resorts, you can estimate the baseline benefit at around $50 per day. When the $100 “special benefit” is added in, we’re talking about $300 worth of credits during a weekend stay for a couple.
This is a pretty slick benefit for high-flying travelers, especially when considering that two Chase cards with no annual fees are eligible. (Keep reading to learn which ones!)
As for why the nicest hotels don’t have free breakfast and Wi-Fi when every roadside motel does, that’s a question for another day…
The LHRC website only allows you to book one room at a time, and you can only get one special benefit per room, per stay. In other words, if you want to get the $100 credit for multiple nights or multiple rooms, you’re going to have to get creative.
Since I’m thinking about planning a girls trip to Vegas, I called an LHRC travel specialist to ask how I might be able to circumvent these restrictions. While I haven’t tried the following strategies (yet!), the agent seemed to think they were possible.
No matter which approach you choose, the LHRC agent recommended calling the hotel after you make your reservation(s). If you don’t, the hotel might think you’ve made a double booking and cancel your additional rooms. Or, of course, you could just put each of the rooms under the names of other people in your party.
If you’re an authorized user on your partner’s card, you’ll have access to the LHRC benefit — but you and your partner wouldn’t be able to alternate nights using the main card and authorized card. In order to receive multiple benefits, you’ll need to have multiple card numbers.
Aptly named, Chase’s luxury hotel collection includes an array of jaw-dropping properties around the world. Here are five photos and examples to get your imagination going.
At this gorgeous hotel overlooking Japan’s capital, you’ll receive a $100 hotel credit redeemable at its restaurants or spa.
Swoon! This 18th-century masterpiece in the fairy-tale town of Sintra, Portugal, comes with one $100 food and beverage or spa credit per stay.
This lively hotel in Nashville’s West End comes complete with its own music venue. You’ll also get to rock out with one $75 food and beverage credit per stay.
Doesn’t this look like an Insta-dream? When you book this resort through LHRC, you’ll get a slew of perks, including: dinner for two on the beach (with wine!), a sunset cruise, welcome drink, and departure gift.
Tango your way to these lush rooms in the heart of the Paris of South America. Booking through Chase’s luxury hotels program affords you welcome amenities, a welcome drink, and a $100 hotel credit.
Sometimes the room rates on the LHRC portal are more expensive than the rates you’ll find elsewhere. Generally, the benefits will make up for the extra cost, but you should always shop around before making a decision. The rates on the LHRC website include taxes — unlike some travel websites and, notably, unlike Amex’s luxury hotel collection’s website — so take that into account. No matter where you book, remember you’ll probably be on the hook for resort fees, too.
Chase doesn’t publish a list of the cards that have access to its resort collection. In most cases, the only way to verify this benefit is to start making a booking on the LHRC website, after which you’ll be prompted to enter the first six digits of your card number. If it’s an eligible card, you’ll be allowed to proceed.
Lucky for you, we’ve done much of the legwork — and can verify that the following cards will get you access to Chase’s luxury hotel program.
It should come as no surprise that Chase’s top-of-the-line travel card includes access to the Luxury Hotel & Resort Collection. Other Chase Sapphire Reserve hotel benefits include a VIP welcome and free breakfast at Relais & Châteaux’s collection of 140 luxury hotels, and complimentary breakfast, dining credits, and a fourth night free at more than a dozen sbe hotels.
If you only travel a few times a year, the Sapphire Preferred is a fantastic choice. Like the Reserve, this credit card offers ample rewards and solid travel and car rental insurance. Its benefits aren’t as flashy, but it comes at a much more palatable annual fee.
Not a big traveler? This cash back card might be the one for you. It earns a whopping 5% cash back in rotating quarterly bonus categories.
If you’d rather not fuss with signing up for bonus categories, consider the straightforward Chase Freedom Unlimited® (Review), which offers 5% cash back on Lyft rides and travel purchased through Chase Ultimate Rewards. Along with 3% back at restaurants and drugstores, you’ll also earn a flat 1.5% cash back on all other purchases (and also has a $0 annual fee).
If you’re often on the road for your business, this is a great card to consider. It earns 3X Chase Ultimate Rewards points in several categories that are targeted at entrepreneurs.
Alternatively, take a look at the Ink Business Cash® Credit Card (Review), which earns 5% cash back on Lyft rides, 2% cash back at gas stations and restaurants, and 5% at office supply stores and on internet, cable, and phone services; and the Ink Business Unlimited® Credit Card (Review), which offers 5% cash back on Lyft rides and 1.5% cash back on every other purchase — for no annual fee!
Or, if you love flying United, here are two other travel cards that feature Chase’s luxury hotel benefit, as stated on Chase’s site:
And three more cards that reportedly have the benefit, though we haven’t been able to verify that ourselves:
Chase isn’t the only card credit card issuer to offer special perks at luxurious properties.
One American Express hotel program, which is called “Fine Hotels & Resorts” (FHR), encompasses more than 1,000 properties and touts benefits that are very similar to LHRC.
Many regard Amex’s FHR as superior to Chase’s LHRC because the 4 p.m. late checkout is guaranteed (rather than based on availability), and because FHR hotels often have valuable special offers for Amex customers, such as a third or fourth night free.
Unlike Chase’s program, however, FHR is only available to those with The Platinum Card® from American Express, which has an annual fee of $550 (Rates & Fees). (The business version of the Platinum has the FHR benefit, too, along with the Centurion cards.)
Amex also has The Hotel Collection, which features a $100 credit and room upgrades (when available) on bookings of two consecutive nights or more — even if you pay with points. This benefit is available to customers with the Platinum, Gold, and Centurion cards.
Then there’s the Visa Signature Luxury Hotel Collection, which has 900 luxury properties, including “hundreds under $299/night.”
While similar to Chase’s program, it’s generally viewed as weaker because it lacks early check-in and only has a $25 food and beverage credit (as opposed to Chase’s special benefit, which is usually around $100). That said, it does promote “limited time offers,” including free fourth nights.
In good news, you might not have to choose: Several of the cards mentioned above are Visa Signature cards, and will also count Visa’s program among their perks.
Let’s say you always stay at a luxury hotel on your anniversary. This year, you’ve chosen the divine Calistoga Ranch in Napa Valley.
If you and your partner stay for two nights, you’ll each get free breakfast (since a breakfast sandwich is, um, $19 at its restaurant, let’s value this at $30 per person, per day), plus a $100 resort credit per stay. Over a weekend, that adds up to $220.
Now, of course, this isn’t cash in your pocket. You’ll still need to pay for the hotel, which can run a staggering $1,000 per night. (I bet the wine is tasty, though!)
Translation: The Chase luxury hotels benefit isn’t reason alone to get a card — ultimately, it could cost you money by encouraging you to splurge on fancy digs — but if you already frequent luxury hotels, it can certainly be a cherry on top.
Not quite livin’ that luxury hotel life (yet)? Here’s a list of our favorite hotel cards to fit every budget.
For rates and fees of The Platinum Card® from American Express, please click here.
Susan is a freelance writer who specializes in turning complex financial topics into engaging and accessible articles. She's been writing about personal finance for six years, and was previously the senior writer at The Penny Hoarder and a staff writer at Student Loan Hero. Her personal finance writing has also appeared in publications like MarketWatch and Lifehacker.
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