Maximise your Avios, air miles and hotel points

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

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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

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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

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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

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Capital on Tap Pro Visa

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

Capital on Tap Visa

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British Airways American Express Accelerating Business

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Comments (47)

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

  • Chris says:

    I’ve recently booked 3 nights at Mandarin Oriental, Bangkok. Luckily they had 3rd night free deal on FHR so although the price per night was more than booking direct, the stay ended up being very reasonable. Combined with £200 FHR travel credit it was a no brainer (£265pn versus over £450pn). Hoping for a decent room upgrade now 🙂

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

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