What Is the American Express Fine Hotels + Resorts® Program?

6 Min Read | Last updated: July 17, 2026

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American Express Fine Hotels + Resorts® offers eligible Card Members a variety of exclusive perks and benefits at over 1,900 luxury properties worldwide.

At-A-Glance

  • Access to American Express Fine Hotels + Resorts® is available exclusively to Card Members with The Platinum Card®, The Business Platinum Card®, The Corporate Platinum Card®, or The Centurion Card®.
  • Card Members who book through Fine Hotels + Resorts can receive a suite of complimentary benefits, such as breakfast for two, late 4pm check-out, and more. Benefits may vary by property.
  • Platinum Card Members can receive a Hotel Credit as well, which can be used on properties in the Fine Hotels + Resorts program as well as The Hotel Collection.1

Are you planning your next vacation? Do you enjoy luxury properties, fine dining, and elevated experiences? If so, you might be interested in American Express Fine Hotels + Resorts®, which allows eligible Card Members, including Platinum Card® and CenturianMembers, to book stays at over 1,900 luxury properties around the world and receive access to benefits like complimentary breakfast for two, statement credits, and late 4pm check-out.


Here’s what you need to know about Fine Hotels + Resorts and how to book your next trip.


Note that all benefits, participating properties, and availability and amenities at those properties are subject to change. Terms apply.

What Is Amex’s Fine Hotels + Resorts Program?

The Fine Hotels + Resorts program is a Card Member benefit that offers perks at over 1,900 hand-selected luxury hotels and resorts around the world. Whether you’re looking for a relaxing stay at a restorative spa, a tropical family getaway, or a secluded romantic escape, eligible Card Members who book their stays through this program can enjoy elite benefits like late 4pm check-out, complimentary credits, and more.

Benefits of the Fine Hotels + Resorts Program

Enjoy hotels that are destinations unto themselves. Book Fine Hotels + Resorts® through American Express Travel® and you can get a suite of benefits with an average total value of $5502 per stay, including daily breakfast for two, guaranteed 4pm check-out, and a $100 credit towards eligible charges, which may include food and beverage, spa, or other on-property charges, which vary by property.3


When using an eligible American Express Card, like The Platinum Card®,4 to book a stay through Fine Hotels + Resorts, Card Members can enjoy the following suite of complimentary benefits:

  • 12pm check-in when available, so you can drop off your things, freshen up, and enjoy the property earlier than standard 2 pm or 3 pm check-in times allow.
  • Guaranteed 4 pm late check-out, so you can relax while waiting for a later flight, catch up on some last-minute work, or hit the pool or spa one last time before you depart.
  • Room upgrade upon arrival. If available, the property may upgrade your room to a higher category or a better view in the same category. Note that certain room categories may not be eligible for upgrade.
  • Complimentary breakfast for two. Members enjoy daily complimentary breakfast for up to two people per room. Breakfast varies by property.
  • Complimentary Wi-Fi. Enjoy free Wi-Fi, even if the hotel or resort has a mandatory Wi-Fi fee. If that’s the case, you’ll receive a daily credit for internet access at check out.
  • $100 credit. Select properties may provide Card Members with a complimentary $100 credit to be used towards eligible dining, spa, or other on-property charges (eligible charges vary by property).
  • Third night free (for some locations). Some properties in the Fine Hotels + Resorts program may offer a complimentary third night free when you book at least a three-night stay. This will vary by property. Terms and conditions apply.

 

All Fine Hotels + Resorts perks and credits must be used during the stay, so they can’t be saved or transferred to a different property. You can apply applicable credits at checkout in U.S. dollars or a local currency equivalent. In addition, benefits cannot be redeemed for cash and are not compatible with other offers unless otherwise indicated, since benefit restrictions vary by property.

The $600 Hotel Credit

In addition to the benefits mentioned above, Platinum Card Members can also get up to $300 back in statement credits semi-annually (for up to a total of $600 in statement credits per calendar year) on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings4 through American Express Travel when paying with the Platinum Card.

How to Book a Fine Hotels + Resorts Stay

To explore properties within the Fine Hotels + Resorts program, you can:

  • Visit the American Express Hotel Finder to browse by region, hotel ambiance, the environment, the guest experience, and features and activities if you’re not sure where you want to go.
  • Navigate to the Fine Hotels and Resorts booking page at American Express Travel, and type the location into the search field to check out your options if you already have a destination in mind.
     

However, before you can book a stay, you’ll need one of these eligible Cards in your name:

  • The Platinum Card
  • The Business Platinum Card
  • The Corporate Platinum Card
  • The Centurion Card

 

Once you’ve found a property you like, select your preferred dates and finish booking your trip. Just remember these guidelines for receiving Fine Hotels + Resorts benefits:

  • You must make bookings with an eligible card, even though you can still pay with any American Express Card in your name.
  • You must stay on the itinerary booked. Note that benefits apply per room and stay.
  • You can also book up to three rooms for a stay under your Card, so if you book a trip with family or friends, each room can qualify for Fine Hotels + Resorts benefits.

Did you know?

You can redeem Membership Rewards® points for eligible Fine Hotels + Resorts stays. Use the Platinum Card or Business Platinum Card to book eligible prepaid Fine Hotels + Resorts stays via American Express Travel, you’ll earn 5X points per dollar spent.

Fine Hotels + Resorts vs The Hotel Collection®

The Hotel Collection is a group of over 1,400 hotels curated by American Express. Like Fine Hotels + Resorts, The Hotel Collection offers perks only available to Card Members with select Cards. But there are a few key differences:

For one, The Hotel Collection is available to American Express® Gold Card Members and Business Gold Card Members, in addition to both business and consumer Platinum Card Members. What’s more, eligible Card Members must book a minimum of a two-night stay at a Hotel Collection property in order to receive benefits, such as a $100 credit to spend on eligible charges (which vary by property), and room upgrades when available at check-in.

The Takeaway

The American Express Fine Hotels + Resorts Program can be a great way to enjoy premium benefits at over 1,900 properties around the world with an eligible American Express Card. Booking through this program provides Card Members with an average value of $550 in perks,5 from complimentary breakfast for two to guaranteed late 4pm check out, so you can enjoy the pool on a hot summer day without worrying about making it in time for the usual morning check-out. Platinum Card Members can also receive a $600 Hotel Credit annually ($300 semi-annually).


Headshot of Megan Doyle

Megan Doyle is a business technology writer and researcher whose work focuses on financial services and cross-cultural diversity and inclusion.

 

All Credit Intel content is written by freelance authors and commissioned and paid for by American Express.

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