Luxury travel in 2025 isn’t just about comfort anymore — it’s about experiences tailored to you, with thoughtful touches and personal service that begin long before you arrive.
That’s where the American Express Fine Hotels + Resorts (FHR) program stands apart.
For U.S. travelers seeking unforgettable stays, the AmEx Fine Hotels + Resorts network offers exclusive benefits that rival top hotel loyalty programs.
Whether you’re dreaming of a peaceful stay in Kyoto, sipping cocktails by a rooftop pool in Athens, or unwinding at a Costa Rican spa, this guide shows you how to make the most of every FHR stay.
In this article, we’ll explore how to book, maximize perks, and experience elite hotel privileges at some of the world’s most celebrated destinations.
What Is American Express Fine Hotels + Resorts (FHR)?
The American Express Fine Hotels + Resorts program is a curated network of more than 1,300 of the world’s modern luxury hotels and eco-conscious resorts available exclusively to AmEx Platinum and Centurion cardmembers.
It’s built to make your travels smoother and more rewarding with thoughtful perks that elevate every stay.
When you book through the AmEx Travel portal, you’re automatically guaranteed benefits that include daily breakfast for two, $100 experience credit, and room upgrades on availability.
But FHR isn’t only about savings; it’s about connection. Picture having a concierge who remembers your preferences, unique local touches in every room, and hotels that combine sustainability with world-class dining — that’s the FHR experience.
Who Can Access AmEx Fine Hotels + Resorts?
Access to FHR is reserved for cardholders of The Platinum Card® from American Express, The Business Platinum Card® from American Express, and the ultra-exclusive Centurion® Card.
Supplementary or authorized users with their own Platinum cards also enjoy full FHR privileges, from early check-in to late checkout benefit.
If you only have the American Express Gold Card, you won’t have access to FHR — but you can use The Hotel Collection, which offers fewer perks but still provides AmEx travel credits and room upgrades.
If you love the idea of top-tier hotel perks and effortless service, a Platinum card opens the door to everything FHR has to offer — comfort, convenience, and a touch of indulgence.
How to Book Stays With American Express Fine Hotels + Resorts
Booking through FHR is easy — but a little strategy helps you get even more out of it.
You can reserve directly through the AmEx Travel app, via the AmEx Travel portal, or by contacting the American Express concierge service.
When booking, ensure your card is logged in, as FHR rates are exclusive to qualified cardmembers.
To book: search your destination, filter by “Fine Hotels + Resorts,” and review benefits attached to each property.
Prepaid rates can earn additional Membership Rewards points, while flexible bookings let you pay at checkout.
If you’re only staying for a night or two, The Hotel Collection might be a better fit — it offers credits and upgrades, though most bookings need at least a two-night stay.
You can also explore more details about eligible properties and program terms directly on the official American Express Fine Hotels + Resorts page.
Exclusive Benefits of AmEx Fine Hotels + Resorts
Every stay under FHR comes with a rich portfolio of perks valued at over $600 per stay on average. Core benefits include:
| Benefit | Description |
| Noon check-in (when available) | Begin your stay early without waiting for standard check-in. |
| Room upgrade on arrival (when available) | Enjoy better rooms or suites upon arrival. |
| Daily breakfast for two | Complimentary breakfast at the hotel restaurant or in-room dining. |
| $100 experience credit | Apply toward fine dining experiences, spa treatments, or resort activities. |
| Guaranteed 4 p.m. late checkout | Relax longer on departure day without stress. |
| Complimentary Wi-Fi | Stay connected wherever you are. |
Together, these perks turn an average hotel visit into something effortless, memorable, and uniquely personal.
Imagine starting your morning overlooking Venice’s canals at The St. Regis Venice, savoring gourmet breakfast, then spending the afternoon indulging in a wellness spa retreat — all included in your rate.
That’s what makes FHR such a standout for travelers who appreciate luxury done right.
How to Maximize Value With AmEx Fine Hotels + Resorts
Savvy travelers know a few insider tricks to make the most out of every FHR booking.
First, combine your booking with AmEx Offers for hotels or travel credits that appear in your account dashboard.
Many cardmembers stack AmEx Platinum annual travel credit (up to $200) toward prepaid FHR bookings, effectively reducing costs.
Second, book during shoulder seasons — luxury hotels like Regent Hong Kong or Four Seasons Astir Palace Hotel Athens often provide enhanced availability for room upgrades.
Third, use your Membership Rewards points to offset charges, or pay partially in cash for extra flexibility.
With a bit of timing and smart use of your card benefits, FHR can turn into one of the best ways to stretch your travel rewards further.
Fine Hotels + Resorts vs. The Hotel Collection — Key Differences
Although both are part of the AmEx Travel ecosystem, they target different traveler profiles. Below is a quick comparison to help you choose:
| Feature | Fine Hotels + Resorts | The Hotel Collection |
| Eligible Cards | Platinum & Centurion Cards | Gold & Platinum Cards |
| Minimum Stay | 1 night | 2 nights |
| Daily Breakfast | Included | Not included |
| Property Credit | $100 experience credit | $100 property credit |
| Late Checkout Guaranteed | Yes (4 p.m.) | Based on availability |
| Room Upgrade | Upon arrival | Upon arrival |
| Target Hotels | 5-star luxury | 4-star premium |
Simply put, FHR is all about the full five-star experience, while The Hotel Collection offers comfort and style for those who don’t need every luxury extra.
Top American Express Fine Hotels + Resorts Properties Worldwide [2025 List]
What makes FHR truly special are the incredible destinations in its collection. Below are some of 2025’s standout properties redefining global luxury destinations and immersive travel experiences.
- Six Senses Kyoto (Japan) blends sustainable hospitality with serene Japanese wellness traditions. Every suite showcases bespoke interior design and overlooks tranquil temple gardens. Guests enjoy culinary excellence rooted in organic produce and mindfulness.
- The St. Regis Venice (Italy) offers artistic hotel design with a waterfront luxury stay. Surrounded by masterpieces, its private terraces frame views of the Grand Canal. The hotel’s fine dining experiences and butler service set the standard for European opulence.
- Longitude 131 (Australia) sits near Uluru-Kata Tjuta National Park, offering panoramic desert views and star-filled skies. This property fuses adventure with eco-conscious luxury resorts ideals.
- Regent Hong Kong delivers skyline and harbor perfection through sleek design and high-end amenities. Guests love the rooftop infinity pool and refined Cantonese dining.
- Four Seasons Astir Palace Hotel Athens crowns the Athens Riviera with modern glamor, private villas and suites, and a rooftop pool and bar overlooking the Aegean Sea.
- Rosewood São Paulo (Brazil) embodies urban sophistication and heritage architecture, transforming a historic building into a cultural icon of art and luxury.
- Nekajui, a Ritz-Carlton Reserve (Costa Rica) rests on the Peninsula Papagayo, merging eco-luxury and local cultural immersion through personalized adventure and nature-infused design.
- Capella Bangkok (Thailand) exudes riverside calm and personalized concierge service, ideal for travelers craving wellness spa retreats and elevated Thai hospitality.
- Raffles London at The OWO (UK) celebrates heritage architecture reborn as historic grandeur, blending royal elegance with contemporary comfort.
- Rosewood Mandarina (Mexico) on the Riviera Nayarit offers private villas and suites amid lush rainforest and ocean views, perfect for travelers seeking culinary excellence and seclusion.
Each of these hotels reflects what FHR is all about — authentic comfort, a strong sense of place, and unforgettable moments crafted just for you.
If you’re inspired by global luxury destinations, you might also enjoy our in-depth look at other world-class retreats like the Primland Resort Ultimate 2025 Guide, where refined experiences meet natural beauty.
Drawbacks and Limitations of Booking Through AmEx FHR
While AmEx FHR shines in value and perks, it isn’t flawless. Rates can sometimes exceed direct bookings or hotel loyalty discounts.
Elite members of brands like Marriott Bonvoy or Hilton Honors may find limited points-earning potential, as some FHR bookings post under third-party channels.
Availability during peak seasons is another consideration. High-demand properties such as Four Seasons Hotel New York or The St. Regis Venice may restrict upgrade options during holidays.
Still, for travelers who value perks like guaranteed late checkout, free breakfast, and that VIP treatment, those trade-offs are usually worth it.
Are AmEx Fine Hotels + Resorts Benefits Worth It?
In most cases, absolutely. Frequent travelers consistently report savings between $400 and $700 per stay when factoring in breakfast for two, $100 experience credits, and room upgrades.
For example, a three-night stay at Regent Hong Kong (around $2,100) could bring nearly $500 worth of added perks through FHR.
Travel experts also highlight the luxury travel experiences enabled by FHR — no waiting for upgrades, no surprises, just consistent five-star treatment.
That sense of being recognized and looked after often feels as rewarding as elite hotel status — and it’s what makes FHR one of the best travel programs out there.
Final Thoughts — Is AmEx FHR the Secret to Smarter Luxury Travel?
FHR isn’t just about fancy perks — it’s about enjoying your trip without stress and getting more time to relax and explore.
From early check-in at Six Senses Kyoto to a $100 experience credit at Capella Bangkok, every benefit serves to simplify luxury.
If you’re someone who loves personalized service, fine dining, and that effortless feeling of being pampered, FHR is your go-to for smarter luxury travel in 2025.
Whether you’re exploring Venice, Athens, or Costa Rica, these global luxury destinations guarantee every stay feels crafted exclusively for you.
FAQ’s
Does AmEx Fine Hotels include free breakfast?
Yes — when you book through the AmEx Fine Hotels + Resorts (FHR) program you receive complimentary daily breakfast for two people per room.
What are the Fine Hotels + Resorts benefits for American Express Platinum?
Those booking via FHR with the Platinum Card get room upgrades (if available), guaranteed 4 p.m. late checkout, daily breakfast for two, noon check-in (if available), Wi-Fi, and a $100 property credit.
What are the FHR eligibility requirements?
You must hold an eligible AmEx card (like the Platinum Card or Centurion Card) and pay with that card via the AmEx Travel portal to qualify for FHR perks.
Is AmEx Fine Hotels worth it?
Yes for many travelers — the perks (breakfast, late checkout, credit, upgrade) often offset any slight rate premium, though you should compare total value vs booking direct.
What is the difference between AmEx Fine Hotels and The Hotel Collection?
FHR offers more premium benefits (e.g., daily breakfast, guaranteed late checkout) and no minimum stay, while The Hotel Collection is open to more cardholders but provides fewer perks and usually requires a minimum two-night stay.
I write about the world of luxury, from timeless style to premium living, inspiring readers to embrace elegance in everyday life.
