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Chase Luxury Hotel & Resort Collection: Which Cards Have It, and How to Use It

Updated Oct 12, 2021 | Published Sep 24, 20197 min read

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At a glance

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.

What Is Chase’s Luxury Hotel & Resort Collection?

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 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:

  • Daily breakfast for two
  • A “special benefit” unique to each property: lunch or dinner for two, a spa treatment, a golf green fee waiver, welcome gift, airport transfer, or other benefit usually valued at $100
  • Complimentary WiFi
  • Room upgrades, if available
  • Early check-in and late checkout, if available

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…

How Do You Get Credit for Multiple Nights or Rooms With Chase’s Luxury Hotel Collection?

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.

  • Alternate nights: If you’re just booking one room for two nights, you could book the first night on your card and get one $100 credit — then have your travel partner book the second night on his or her eligible Chase card, snagging an additional $100 credit. Just be warned that you may have to change rooms (unless you call the hotel in advance to explain the situation).
  • Use multiple cards: For the girls trip, however, we’re going to need more than one room. Since I have three different Chase cards with access to the luxury hotel benefit, the LHRC agent said I could book three rooms (and receive the free breakfast and $100 credit for each). I’d just have to make three separate reservations at the LHRC website, paying for each room with a different card.
  • Use multiple cards and alternate nights: Since we’re clearly not going to stay in Vegas for just one night, I may combine these two approaches. The first night, I’ll use my three cards to make the bookings, and the second night, I’ll ask my friends with eligible cards to make them, thereby getting an additional $100 credit per room. Or, I may ask my boyfriend to book the second night on his Chase cards, since the name on the reservation and the booking credit card don’t need to match. Pretty sweet, right?

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.

Insider tip

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.

5 Examples of Amazing Luxury Collection Hotels

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.

Mandarin Oriental Tokyo

At this gorgeous hotel overlooking Japan’s capital, you’ll receive a $100 hotel credit redeemable at its restaurants or spa.

Tivoli Palácio de Seteais Sintra Hotel

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.

Hutton Hotel

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.

Taj Exotica Resort & Spa Maldives

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.

Faena Hotel Buenos Aires

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.

Insider tip

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.

Which Cards Include Chase’s Luxury Hotel & Resort Collection?

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.

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Chase Sapphire Reserve®
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  • Min. credit levelExcellent
  • Annual Fee$550
  • Purchase APR16.99%-23.99% Variable

Key Features

  • $300 annual travel credit: You’ll get a $300 travel credit every year that will be automatically applied to any travel-related expenses you charge to your card.
  • Priority Pass Select membership: Cardholders get complimentary Priority Pass Select membership, which provides access to over 1,000 airport lounges and restaurants worldwide. You must manually activate this benefit, and you’ll receive a Priority Pass Select member card in the mail.
  • Global Entry/TSA PreCheck application fee credit: Every four years you’ll get up to a $100 credit towards the application fee for either Global Entry ($100) or TSA PreCheck ($85).
  • Luxury Hotel & Resort Collection: The Luxury Hotel & Resort Collection provides some complimentary services and benefits at participating hotels and resorts.
  • Elite hotel benefits at Relais & Châteaux: Cardholders get accelerated progress towards Club 5C member status with Relais & Châteaux luxury hotel and resort properties; just stay two nights at qualifying properties in a 12-month period. Club 5C status provides benefits like a VIP welcome, room upgrades, access to a unique experience at each property, and invitations to exclusive events. You must book using the Visa Infinite Concierge.
  • $120 Peloton credit: Enroll to get up to $120 back for an eligible Peloton Digital or All-Access Membership (through 2021). No fitness equipment is required.
  • Visa Infinite Concierge: Call 1-877-660-0905 for non-emergency help of all kinds, like making dinner reservations or finding good tickets to a show. You can also ask for travel recommendations, for flights, tourist attractions, the best shopping spots, restaurants, night clubs, etc. This benefit is probably most useful when visiting a new city.
  • Special car rental privileges: You can access your special car rental privileges by logging in to Chase Ultimate Rewards and following the instructions to enroll. You’ll get perks at Avis, Silvercar, and National Car Rental like rental upgrades, discounts, and occasional promotional offers.
  • Lyft Pink membership: One-year exclusive saving opportunities with Lyft Pink membership, providing 15% off rides, relaxed cancellation fees, priority dispatch at airports, and more
  • DoorDash membership, $60 annual DoorDash credit: Chase will pay for a DoorDash subscription for two years (a DashPass). You’ll also get $60 in DoorDash credits in 2020, and $60 in 2021 (learn more about Chase DoorDash benefits).
  • Shopping protections: Purchase Protection; Extended Warranty Protection; Return Protection
  • Travel protections: Primary Auto Rental Collision Damage Waiver; Roadside Assistance; Trip Cancellation/Interruption Insurance; Baggage Delay Insurance; Travel Accident Insurance; Trip Delay Reimbursement; Lost Luggage Reimbursement; Travel and Emergency Assistance; Emergency Evacuation & Transportation
  • No foreign transaction fee
  • Annual fee: $550

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.

This card also comes with Priority Pass lounge access, a Global Entry/TSA PreCheck application fee credit, and excellent travel insurance.


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Chase Sapphire Preferred® Card
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  • Min. credit levelGood
  • Annual Fee$95
  • Purchase APR15.99% - 22.99% Variable

Update: According to Chase’s Twitter customer support, the Sapphire Preferred no longer has access to the Luxury Hotel Collection.

Key Features

  • Annual fee: $95
  • Introductory bonus: 60,000 bonus points after spending $4,000 on purchases in the first 3 months
  • Rewards:
    • 5X Ultimate Rewards points per dollar on Travel purchased through Chase Ultimate Rewards
    • 5X Ultimate Rewards points per dollar on Lyft rides (through March 2022)
    • 3X Ultimate Rewards points per dollar on Dining
    • 3X Ultimate Rewards points per dollar on Select streaming services
    • 3X Ultimate Rewards points per dollar on Online grocery purchases (excluding Target, Walmart, and wholesale clubs)
    • 2X Ultimate Rewards points per dollar for other Travel purchases
  • Purchase APR: 15.99% - 22.99% Variable

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.


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Chase Freedom Flex℠
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  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR0% Intro APR on Purchases for 15 months, then 14.99% - 23.74% Variable

The information related to Chase Freedom Flex℠ has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Key Features

  • DoorDash membership: A free membership (DashPass) for three months, and a 50% discount for the next nine months; a DashPass provides free delivery and reduced service fees on orders over $12.
  • Shop through Chase/Chase Offers: Earn extra cash back or find discounts with the Shop through Chase and Chase Offers programs.
  • ShopRunner membership: Get free two-day shipping at a wide selection of retailers.
  • Lyft credits: Once per month you can earn a $10 Lyft credit for every five rides you take.
  • Boxed rewards: 5% cash back rewards on Boxed Wholesale orders to be used for future purchases
  • Fandango discount: $5 off every two tickets you buy
  • Shopping and travel protections: Cell Phone Protection, Purchase Protection, Extended Warranty Protection, Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services
  • Purchase APR: 0% Intro APR on Purchases for 15 months, then 14.99% - 23.74% Variable
  • Annual fee: $0
Quarter 2021 Categories 2020 Categories
January – March
  • Wholesale Clubs
  • Internet
  • Cable/Phone Services
  • Select Streaming Services
  • Gas Stations
  • Select Streaming Services
  • Internet, Cable, Phone Services
April – June
  • Gas Stations
  • Home Improvement Stores
  • Grocery Stores
  • Fitness Club & Gym Memberships
  • Select Streaming Services
July – September
  • Grocery Stores (excluding Target and Walmart)
  • Select Streaming Services
  • Amazon
  • Whole Foods Market
October – December
  • Walmart
  • PayPal
  • Walmart
  • PayPal

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).


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Ink Business Preferred® Credit Card
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  • Min. credit levelExcellent
  • Annual Fee$95
  • Purchase APR15.99%-20.99% Variable

Key Features

  • Annual fee: $95
  • Introductory bonus: 100,000 bonus points for spending $15,000 in the first 3 months after account opening
  • Rewards:
    • 5X Ultimate Rewards points per dollar on Lyft rides
    • 3X Ultimate Rewards points per dollar on travel; shipping purchases; internet, cable, and phone services; advertising purchases made with social media sites and search engines (on first $150,000 of combined purchases annually)
    • 1X Ultimate Rewards point per dollar on everything else
  • Purchase APR: 15.99%-20.99% Variable

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:

Do Other Card Issuers Have Similar Programs?

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 $695 (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.

Enrollment required for select benefits; terms and limitations apply.

Is the Chase Luxury Hotels Benefit Worth It?

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.

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For rates and fees of The Platinum Card® from American Express, please click here.

Written by

Susan Shain

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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