Maximise your Avios, air miles and hotel points

Why Amex Platinum Fine Hotels & Resorts is a great choice for one night stays

Links on Head for Points may support the site by paying a commission.  See here for all partner links.

If you have an American Express Platinum card then you should know about the Fine Hotels & Resorts hotel booking programme.  This is a grouping of 5-star hotels which offers special benefits to Platinum cardholders when they book via American Express Travel.

Regular readers of Head for Points will know that I place £0 value on hotel benefits if they do not have the word ‘guaranteed’ in front of them.  Fine Hotels & Resorts bookings use the word ‘guaranteed’ a lot which I like.

The point of this article is to show how you can use the use the guaranteed 4pm check-out to your advantage and how the $100 hotel credit is maximised on a one-night stay.

Is American Express Fine Hotels and Resorts any good?

The same principles apply whenever your trip involves a late night arrival and / or a late night or early morning flight out.

Here’s an example of Fine Hotels & Resorts in action

A good example of when Fine Hotels & Resorts can really pay off was on a short HfP trip to Dubai a couple of years ago.

I was arriving very late at night (my flight arrived at 9.30pm on a Tuesday) and leaving very early (7.45am on Friday).  This meant I was looking at three nights in an expensive hotel – as I wanted to be on a beach – for only two full days on the ground.

This is where two of the Fine Hotels & Resorts benefits kicked in:

  • noon check-in if available
  • 4pm guaranteed late check-out

The other FHR benefits are:

  • room upgrade upon arrival, if available
  • daily breakfast for two
  • $100 to spend in the hotel (not valid against room rate)

I booked myself into a cheap Hyatt Place hotel for the Tuesday night after my flight.  I arrived very late, woke up at 10am and was gone an hour later.

I headed down to the Waldorf Astoria Dubai Palm Jumeirah, booked via American Express Fine Hotels & Resorts.

I had only booked for one night.

Waldorf Astoria Dubai

I had booked a standard room to maximise the chance of it being available on arrival around noon (remember I had a ‘noon check-in’ benefit).  It was.

My check-out was guaranteed for 4pm the next day.  I left at 4pm, heading to a budget hotel near the airport, went to bed and woke at 5am the next morning for my return flight.

I had got a 28 hour stay at the Waldorf Astoria for the cost of just one night.  This compares to 21 hours for a standard one-day stay, checking in at 3pm and leaving at noon.  I didn’t lose much by downgrading to the Hyatt Place because the only time I spent there was asleep.

Let’s turn to cash

Sometimes Fine Hotels & Resorts rates are a little more expensive than the Best Flexible Rate offered by the hotel.  Surprisingly this one was cheaper, in fact it was cheaper than any other rate the Waldorf Astoria was offering.

The FHR package comes with:

  • free breakfast for two
  • $100 hotel credit

The $100 hotel credit is key.  This is per stay, not per night.  You are maximising the value when you only stay for one night.  Given that breakfast was also free, I covered my entire food bill for the stay – two one-course lunches, one one-course dinner – with the $100.

I turned what would have been a 3pm check-in / noon check-out stay into a noon check-in / 4pm check-out stay and got free breakfast and a $100 food, beverage or spa credit too.

(If we are being fussy, you can argue that – as a Hilton Diamond – I should have been able to negotiate a slightly later check-out had I booked a normal rate.  This is true but it would not have been guaranteed and may not have been until 4pm.  Note that Fine Hotels & Resorts rates earn loyalty points as usual as long as you pay on departure and not in advance.)

Waldorf Astoria Dubai using Fine Hotels Resorts

Because the 4pm check-out is GUARANTEED, Fine Hotels & Resorts bookings work particularly well if:

  • you have a late flight home or
  • you have a very early flight home and are happy to check-out at 4pm and transfer to an airport hotel for the last night, or
  • you want a weekend break (check-in at noon on Saturday, leave at 4pm on Sunday) whilst just paying for one night

Either way, you can get good value.  I got three hotel nights at peak season in Dubai for under £500 (and offset by the $100 food credit and free breakfast at the Waldorf).  I still managed to spend almost all my daylight hours in a five-star beach resort selling for over £300 per night.

The key issue is the Fine Hotels & Resorts price you are quoted, which can be more than the standard Best Flexible Rate (although it wasn’t in my case) or higher than any highly discounted Advanced Purchase rates on offer.

Fine Hotels & Resorts bookings can be made online via the Amex Travel website, although you need to be logged in with your American Express Platinum details for the pricing to show.

If you book a couple of Fine Hotels & Resorts stays each year it definitely helps to justify the annual fee for The Platinum Card.

Our full review of The Platinum Card, which currently comes with a bonus of 40,000 Membership Rewards points, is here.

The Platinum Card from American Express

80,000 bonus points and great travel benefits – for a large fee Read our full review


earns points from credit cards

Want to earn more points from credit cards? – April 2025 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 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 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 card

Barclaycard Avios Mastercard

Get 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.

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points, FREE for a year & four airport lounge passes Read our full review

British Airways American Express Premium Plus

30,000 Avios and the famous annual 2-4-1 voucher Read our full review

The Platinum Card from American Express

80,000 bonus points and great travel benefits – for a large fee Read our full review

Virgin Atlantic Reward+ Mastercard

18,000 bonus points 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

50,000 points when you sign-up and an annual £200 Amex Travel credit 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 Pro Visa

10,500 points (=10,500 Avios) plus good benefits Read our full review

Capital on Tap Visa

NO annual fee, NO FX fees and points worth 1 Avios per £1 Read our full review

British Airways American Express Accelerating Business

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

Comments (47)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Domo1915 says:

    Had struggled to make these viable until only recently. Booked portofino at Universal studios. £ 550 for the night, 2 adults 2 kids. Getting the listed benefits but also fast passes on both days for all 4 of us. Very happy

    • Manya says:

      That’s a great benefit. Do you know if you were you lucky or do they provide this to all booking/all fhr bookings?

      The Nobu in Baker St is also currently offering £250 dining credit in addition to usual fhr benefits. Room rates are close to £500 a night though.

      • Domo1915 says:

        If you stay at a universal deluxe hotel it’s a standard benefit. Its just great getting this plus the FHR perks thrown in for same price as you can buy on the universal site.

    • BBbetter says:

      Thats a good deal. Abu dhabi Yas Island Warner Bros hotel offers free tickets as well, but doubt it is part of FHR.

    • Froggee says:

      Thanks for this Domo. We’ve now booked one night albeit for an outrageous amount of money but it might make the two Universal parks tolerable given we’ll be there at peak, peak season and we also can’t get into villa accommodation until 4pm so that’s going to fill the gap nicely as I hate being without a base.

  • lumma says:

    I always wonder who covers the $100 credit and free breakfast on these occasions? Does AMEX make a contribution or is it all on the hotel? Presumably the hotels are hoping that they’re getting high value guests who’ll actually stay for much longer and spend many multiples of the “free” credit

    • James C says:

      The hotel funds it. As you say they are really wanting guests to stay for multiple nights plus they want the calibre of guest FHR pulls in. The F&B and breakfast benefits will be costing the hotel less than the mark up price and remember the FHR rate is normally the standard refundable room rate so they are ahead vs selling room on a discounted rate. Also, even a couple on a one night stay is likely to be spending more than the credit on dinner at many of these places. The main challenge for the hotel to manage is the 4pm check out. I know a couple of places who’ve left FHR because of this particularly euro sun destinations. The example Rob gives is really where FHR comes into its own and I’ve done similar as a solo traveller.

      • JDB says:

        The hotel also has to fund a commission to Amex on top of the $100 and other bits, which shows just how high the FHR rate needs to be to incorporate these costs.

        As the article suggests, for one night it might work quite well, but beyond that the hotel has lots of scope to offer more directly.

  • koshka says:

    It only works for certain locations and in certain seasons really. In June you can get a bargain in Dubai for £150 a night, whereas nightly charge for properties in Europe are unreasonably high

    • Ken says:

      It’s a good few years since I had access but Berlin was always a decent city for this, RC or WA for £250 ish
      Both with bars well worth visiting to drink your $100 worth.

      Obviously it happens, but not once did I see an Amex rate that was cheaper than going direct.

    • Maples says:

      Was looking at Seoul in October and there was a 3 for 4 nights offer or something. Quite a lot of savings there with that promotion that was running.

  • JP-MCO says:

    I don’t know about anybody else but when I’m on a 3 day business trip there’s zero chance I’m changing hotels 3 times.

    • James C says:

      If you’re on a business trip I’d assume someone is picking up the tab anyway….

      • Rob says:

        If I was on a business trip I’d be annoyed if I got $100 meal credit as I’d want to be running up my spend to earn more points 🙂

  • Jas says:

    100% agree. I stayed at The Venetian for one night for £180 with all the FHR benefits!

  • Tiberius says:

    I’ve been looking at the Hyatt and Intercontinental in Malta for a similar trip for my wife’s birthday. In November rates are around £120 a night but as far as I can tell you still get the $100 dining credit

    • Alan TJ says:

      Those would be a great deals but neither were showing when I recently searched Malta.

  • Pj says:

    If you book 3 nights separately can you get 3 x 100 credits?

  • Just Nick says:

    The intercontinental at Sofia on FHR does not include alcohol. You can only get the credit against 1 check so if you eat twice, only 1 meal is covered even if that is less than $100.

    • LittleNick says:

      Bit Naughty but I suppose their margins are tighter, it’s also not part of IHG Luxury rate and has opted out last time I checked

This article is closed to new comments. Feel free to ask your question in the HfP forums.

The UK's biggest frequent flyer website uses cookies, which you can block via your browser settings. Continuing implies your consent to this policy. Our privacy policy is here.