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

7 min read
Susan Shain By Susan Shain Sep 24, 2019 | Updated Sep 29, 2020

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 Wi-Fi
  • 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.


Chase Sapphire Reserve®

Our rating
Min. credit levelExcellent
Annual Fee$550
Regular APR16.99%-23.99% Variable

Key Features

  • Annual fee: $550 (offset by a $300 annual travel credit)
  • Introductory bonus: 50,000 bonus points for spending $4,000 in the first 3 months after account opening
  • Rewards:
    • 10X Ultimate Rewards points per dollar on Lyft rides
    • 3X points per dollar on travel (after $300 credit is used)
    • 3X points per dollar on dining
    • 1X point per dollar on everything else
  • Purchase APR: 16.99%-23.99% Variable

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.


Chase Sapphire Preferred® Card

Our rating
Min. credit levelGood
Annual Fee$95
Regular APR15.99% - 22.99% Variable
Apply Now

securely on the issuer's website

  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,000 toward travel when you redeem through Chase Ultimate Rewards(R).
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

Key Features

  • Annual fee: $95
  • Introductory bonus: 80,000 bonus points for spending $4,000 in the first 3 months
  • Rewards:
    • 5X Ultimate Rewards points per dollar on Lyft rides
    • 2X points per dollar on travel
    • 2X points per dollar on dining
    • 1X point per dollar on everything else
  • 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.


Chase Freedom Flex℠

Min. credit levelGood
Annual Fee$0
Regular APR14.99% - 23.74% Variable

Key Features

  • Annual fee: $0
  • Introductory bonus: $200 bonus for spending $500 in the first 3 months
  • Rewards:
    • 5% cash back on:
      • Up to $1,500 of purchases in quarterly bonus categories (then 1%)
      • Lyft rides (through March 2022)
      • Travel purchased through Chase Ultimate Rewards
      • Grocery store purchases (not including Target or Walmart purchases; up to $12,000 spent in the first year)
    • 3% cash back at:
      • Restaurants
      • Drugstores
    • 1% cash back on everything else
  • Purchase APR: 14.99% - 23.74% Variable

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, grocery stores, 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).


Ink Business Preferred® Credit Card

Our rating
Min. credit levelExcellent
Annual Fee$95
Regular 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 $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.

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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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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