Why Fine Hotels & Resorts is one of the best American Express Platinum benefits
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One of the most useful benefits of having an American Express Platinum credit card – and one which genuinely helps me justify the £575 fee – is the Fine Hotels & Resorts programme.
As a reminder, American Express Platinum comes with a generous sign-up bonus. Here is the latest offer:
The Platinum Card from American Express
Sign-up bonus and earn rate:
- Get 60,000 Membership Rewards points when you spend £6,000 within six months
- You will also receive £200 to spend at Amex Travel after hitting the £6,000 target
- This is a special offer which runs to 13th June
- Earn 1 Membership Rewards point per £1 spent
- Points transfer at 1:1 into Avios, Virgin Points and other airline and hotel schemes
- Two Priority Pass cards, each allowing two people into 1,400 airport lounges
- Elite status in four major hotel loyalty programmes
- Comprehensive travel insurance
- £300 per year of restaurant credit
- £100 per year to spend at Harvey Nichols
- Annual fee: £575
Representative 464.4% APR variable based on an assumed £1,200 credit limit and £575 annual fee. Interest rate on purchases 29.7% APR variable.
You will receive 60,000 American Express Membership Rewards points as a sign-up bonus on The Platinum Card if you spend £6,000 within six months of signing up.
You will also receive £200 to spend at Amex Travel when you hit the spending target.
These are both special offers which run to 13th June.
Membership Rewards points are hugely flexible. You can transfer them into Avios, Virgin Flying Club or other airlines (at 1:1) or into various hotels schemes, into Club Eurostar or use them for shopping vouchers.
This is the ONLY personal American Express card where you still qualify for the bonus if you already hold a British Airways American Express card.
To qualify for the bonus, you must NOT, currently or in the previous 24 months, have held any other personal American Express card which earns Membership Rewards points. This includes The Platinum Card and Preferred Rewards Gold.
You are OK if you had a supplementary card on someone else’s American Express account.
You are OK if, currently or in the previous 24 months, you have held any other American Express card, including the British Airways, Marriott and Nectar cards.
If you cancel The Platinum Card at any point, you will receive a pro-rata refund of your membership fee. You will not lose your sign-up bonus.
For clarity, you can still apply for The Platinum Card even if you do not qualify for the bonus. You would still benefit from the long list of other benefits.
The Platinum Card from American Express comes with an unrivalled list of benefits for the keen traveller.
Your personal travel patterns will determine which of these is the most valuable. The key benefits are:
Full comprehensive travel insurance for you, your family and the family of your supplementary cardholder, subject to enrolment
Two Priority Pass cards, each of which allows the holder and a guest unlimited free access to 1,400 airport lounges
Elite status in four major hotel loyalty schemes: Marriott Bonvoy (Gold), Hilton Honors (Gold), Radisson Rewards (Premium), MeliaRewards (Gold)
Access to Eurostar lounges, irrespective of travel class
£150 per year to spend in over 160 UK restaurants
£150 per year to spend in over 1,200 international restaurants
£100 per year to spend at Harvey Nichols, instore or online (no minimum spend required)
£300 per year of dining credit – £150 to be spent at 150+ UK restaurants and £150 to be spent at 1,200+ restaurants outside the UK
The bonus criteria for Platinum is looser than other American Express cards. You can have the bonus as long as you haven’t had a personal card earning Membership Rewards points in the past 24 months.
You WILL get the bonus if the only Amex cards you’ve had in the last 2 years were a British Airways Amex, Marriott Amex, Nectar Amex, Platinum Cashback or a Business Gold / Business Platinum.
Our full review of The Platinum Card is here. You can apply here.
How does American Express Fine Hotels & Resorts work?
FHR, as it is known, is a collection of 1,300 luxury hotels worldwide which commit to offering special benefits to American Express Platinum cardholders when you book via Amex Travel.
These special benefits vary in their usefulness, to be honest, but do add up. They are:
- Noon check-in when available (I value this at nothing! I want it guaranteed or it is useless.)
- Room upgrade on arrival when available (can be very good but not guaranteed)
- Free breakfast for two people (very valuable at expensive hotels)
- GUARANTEED 4pm check-out (very valuable)
- Free in-room wi-fi (valuable, many luxury hotels still like to charge)
- An additional benefit worth $100, usually a $100 food and beverage credit per stay
You can check out the full list of participating hotels in FHR at this special Amex website.
Where FHR really works for me is the guaranteed 4pm check-out. If you are on a short break with an evening flight home, you really don’t want to be checking out of your hotel at noon. Yes, the hotel will store your bag for you, but it isn’t the same as having full access to your room.
On our occasional trips to Four Seasons Hampshire, pictured above, using FHR allows us to stay one night less and save a significant sum. With young kids in tow, you don’t get much done in the evenings anyway so leaving at 4pm the day before doesn’t make a lot of difference compared to leaving the next morning.
Another situation where FHR comes into its own is on one night stays. The value here can be amazing. Let’s imagine you’re paying £175 for a standard room at a city hotel via FHR, as I used to do often at Park Hyatt Hamburg (now closed, unfortunately). You will get free breakfast AND $100 of food and beverage credit AND a guaranteed 4pm check-out AND a potential upgrade. Your upgrade chances are improved on a one-night stay too as the hotel doesn’t need to have a better room available for multiple nights. You can clearly see how you can get real value here.
The big downside of Fine Hotels & Resorts is pricing. Rates seem to be fixed in advance so it is possible that, if the hotel starts discounting, the FHR rate may be higher than the highest flexible rate on the hotel website. That said, on a shorter stay the $100 food and drink credit usually offsets that and you still have the benefit of free breakfast, late check-out and potential upgrade. I have also had occasions where the FHR rate has been lower than the online rate though.
UK Platinum members should book via travel.americanexpress.co.uk – make sure you are logged in or the FHR rates do not appear.
Warning – be careful about prepaying for Fine Hotels & Resorts bookings
When you make a Fine Hotels & Resorts booking, you will be given two choices – pay now or pay on departure.
If your hotel is part of a chain, you will NOT receive hotel loyalty points or elite benefits if you choose to pre-pay.
The only way to receive loyalty points and elite benefits is to pay on departure.
The only good reason to pay in advance would be if you have some Amex Travel credit to use it from an Amex promotion, or if there is no option to earn points or claim elite benefits from your stay (eg a Four Seasons booking).
Don’t have an American Express Platinum card?
If you don’t have an Amex Platinum card, you can get similar benefits on luxury hotel stays by using a member of the Virtuoso group of luxury travel agents to make your booking.
Emyr Thomas, our hotel booking partner, can access these deals – you can read more about Emyr’s services here.
The key differential is late check-out – Amex Fine Hotels & Resorts guarantees this, whilst Virtuoso does not – and pricing. Virtuoso guarantees that you pay no more than the Best Flexible Rate shown on the hotels’s own website.
Want to earn more points from credit cards? – June 2023 update
If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.
In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.
You qualify for the bonus on these cards even if you have a British Airways American Express card:
Barclaycard Avios Plus Mastercard
Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review
Barclaycard Avios Mastercard
5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review
You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.
SPECIAL OFFER: Until 13th June, the sign-up bonus on The Platinum Card is doubled to 60,000 Membership Rewards points – and you get £200 to spend at Amex Travel too! Apply here.
SPECIAL OFFER: Until 13th June, the sign-up bonus on the Virgin Atlantic Reward+ card is doubled to 30,000 Virgin Points. Apply here.
British Airways American Express Premium Plus
25,000 Avios and the famous annual 2-4-1 voucher Read our full review
American Express Preferred Rewards Gold
Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review
The Platinum Card from American Express
60,000 points AND a £200 Amex Travel voucher until 13th June! Read our full review
Virgin Atlantic Reward+ Mastercard
30,000 points bonus (to 13th June) and 1.5 points for every £1 you spend Read our full review
Earning miles and points from small business cards
If you are a sole trader or run a small company, you may also want to check out these offers:
American Express Business Platinum
40,000 points bonus and a £200 Amex Travel credit every year Read our full review
American Express Business Gold
20,000 points sign-up bonus and free for a year Read our full review
Capital On Tap Business Rewards Visa
Get a 10,000 points bonus plus an extra 500 points for our readers Read our full review
For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.