10 Fine Hotels + Resorts Properties You Can Book In Full With The Amex Annual Prepaid Hotel Credit

Update:

Effective January 1, 2027, Fine Hotels + Resorts^® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.

There are few hotel stays better than those that provide a 5-star experience. Fortunately, several premium cards offer statement credits you can apply toward such luxury stays.

American Express Fine Hotels + Resorts (FHR) and The Hotel Collection programs feature thousands of 5-star luxury properties. Booking these hotels through AmexTravel.com using specific American Express premium travel rewards cards can qualify for annual statement credits that can offset the nightly rate. However, finding affordable properties can be challenging.

It’s not impossible, though. Here’s an in-depth look at affordable stays you can book through Fine Hotels + Resorts, including properties at which the semi-annual up-to-$300 credit can cover the nightly rate.

Which Cards Offer an Amex Prepaid Hotel Credit?

The Platinum Card^® from American Express and The Business Platinum Card^® from American Express each offer annual statement credits for hotels booked through FHR and The Hotel Collection. The statement credits are just one of the benefits offered on these premium travel rewards cards.

We’ll cover the statement credit benefit next, but for context, these card snapshots provide more information on each card, a list of the key benefits, and details on the most current welcome offers.

BEST OFFER

Terms Apply / Rates & Fees

Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum card reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Platinum Card^® from American Express

The Amex Platinum card reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and elite status.

Welcome Offer

You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary, and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount — all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.

As High as 175,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $3,850

Annual Fee

$895

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

When it comes to cards that offer top-notch benefits, the Platinum Card^® from American Express is a top choice.

The card offers premium perks like best-in-class airport lounge access, hotel elite status, and several annual card credits. The Amex Platinum card is easily worth the annual fee for frequent travelers who use the lounges and travel credits, and hard to justify for those who won’t.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far): Get access to over 1,550 worldwide lounges, including Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
• 5 points per $1 spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5 points per $1 spent on prepaid hotels booked with AmexTravel.com

Cons

• $895 annual fee (rates & fees)
• Airline credit does not cover airfare (only incidentals like checked bags).

Read Full Review

Card Highlights

• You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
• $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts^® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
• With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass membership (enrollment required), and other select partner lounges. *As of 08/2026.
• $200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S. when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card^® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
• $400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card^® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card^® Member you have special access to reservations on select nights at participating sought after Resy restaurants through Platinum Nights™ by Resy. Simply add your Platinum Card^® to your Resy profile to book your reservation.
• $219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 60+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to The Platinum Card^® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Whatever the occasion, choose from our two signature collections of premium hotels, curated to inspire and excite you when you book through Amex Travel™: Fine Hotels + Resorts^® is a collection of over 1,900 luxury hotels that are destinations unto themselves and the Hotel Collection includes over 1,400 upscale hotels in desirable destinations.
• $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card^®. *Up to $12.95 plus applicable taxes on one membership fee.
• $895 annual fee.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

NEW CHATGPT BENEFIT

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Apply Now(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome Offer

Your Offer Could Be As High As 300,000 points. Apply And Find Out Your Offer. You may be eligible to earn as high as 300,000 Membership Rewards^® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

Your Offer Could Be As High As 300,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $6,600

Annual Fee

$895

APR

17.99% - 28.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Amex Business Platinum Card is a premium travel rewards card tailored for business owners who are frequent travelers with high annual expenses.

When you factor in the large number of perks that the card offers, like the best airport lounge access at over 1,550 lounges and numerous annual credits, it’s easy to see why this card is a top option for frequent traveling business owners.

Pros & Cons

Pros

• Earn 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
• Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection
• Earn 2x Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)

Cons

• High annual fee of $895 (rates & fees)
• Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

• As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards^® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
• See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
• Get up to $300 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 bookings through American Express Travel^® using the Business Platinum Card^®. The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts^® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
• No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
• Make the Business Platinum Card^® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
• Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
• Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
• Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
• Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
• Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
• Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
• Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
• Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required. Effective February 17, 2027, select merchants only. See terms.
• 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers¹, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. ¹Effective February 17, 2027, select merchants only. See terms.
• 5X points on flights and prepaid hotels on AmexTravel.com
• NEW: With the Business Platinum Card^® , you receive a complimentary American Express^® ZO Membership from Tishman Speyer. Enjoy access to premium ZO Clubhouses and Lounges in select U.S. cities. Plus, get 4 complimentary day passes per month at U.S. Studio spaces and up to $500 in statement credits each calendar year when you use the Business Platinum Card^® for event space bookings and/or a Dining Club membership.
• 1X points on other eligible purchases
• Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
• Terms Apply.

Financial Snapshot

• APR: 17.99% - 28.74% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

How The Amex Prepaid Hotel Credit Works

Each year, you can receive up to $600 in statement credits for prepaid hotel bookings made with your card on AmexTravel.com through Fine Hotels + Resorts or The Hotel Collection. Book an eligible stay of any length with FHR, even a 1-night stay (or a minimum of 2 nights with The Hotel Collection).

The credits are available in $300 increments: once for January through June and again for July through December, for a total of up to $600 annually. You must use your Amex Platinum card or Amex Business Platinum card to book the prepaid stay. Prepaid hotel bookings also earn 5x points.

Amex Fine Hotels + Resorts Benefits

Not only can you earn up to $600 in annual statement credits, but booking through Fine Hotels + Resorts also bestows elite-like benefits on top of it all, including:

• A room upgrade upon arrival, when available
• Daily breakfast for 2 people
• Noon check-in, when available
• Guaranteed 4 p.m. late checkout
• Complimentary Wi-Fi
• Unique property amenities, such as a spa or food-and-beverage credit valued at $100 or more

Hotel Loyalty Program Benefits

Typically, when booking hotels through a third party or online travel agency (OTA), elite benefits offered by the hotel’s loyalty program are not recognized during your stay. With FHR, you’ll receive your associated elite benefits in addition to the on-site FHR benefits. This means you may earn hotel loyalty points, elite night stay credits, and associated upgrades. The level of recognition may vary by property.

To ensure you receive the associated hotel program benefits, add your loyalty number when booking on AmexTravel.com or have the hotel front desk add it at check-in.

10 Properties You Can Book With the Fine Hotels + Resorts Credit

A 1-night stay might not be enough at these 5-star properties. But keep in mind that the $300 hotel statement credit also applies to longer stays. For example, if the entire stay costs $500, you’ll receive a $300 credit toward the total.

Notably, we’ve left Las Vegas properties off this list. It’s typically a great place to start if you’re looking for inexpensive FHR hotels at which to use your credits. But we wanted to highlight a list of properties from around the world in this example to give a better idea of just how far your credits can take you.

1. Waldorf Astoria Panama (Panama)

The Waldorf Astoria Panama (a Hilton Honors property) is one of the premier properties in Panama’s rapidly growing capital. This classic luxury property has a full-service spa, an outdoor pool, and oceanview terraces. It’s ideally located near the city’s financial district and less than 4 miles away from the historic city center.

You can book nights for as little as about $260 per night, which means you can book a 1-night stay with some of your semi-annual credit to spare.

Hot Tip:

Panama City, Panama, is an excellent destination for using your FHR statement credit. While you can easily book a night at the Waldorf Astoria Panama using the credit, the W Panama and The Santa Maria, A Luxury Collection Hotel & Golf Resort, Panama City (both Marriott properties) offer affordable nightly rates, often under $300. Plus, you’ll receive your Marriott Bonvoy elite benefits.

2. InterContinental Sofia by IHG (Bulgaria)

The InterContinental Sofia by IHG sits directly in the center of the Bulgarian capital. The prime location is one of the hotel’s strong points, offering direct metro access to and from the airport and within walking distance of the city’s cultural sites. The hotel features cathedral-view suites and chic art deco decor that is modern and fresh.

With rates as low as about $190 per night, the semi-annual up-to-$300 credit will fully cover 1 night, but you could also book a 2-night (or longer) stay for very little out of pocket. Don’t forget to add your IHG One Rewards number to the reservation at booking so you receive credit for your stay and any IHG-specific benefits you’re entitled to during it.

3. Thompson San Antonio – Riverwalk, by Hyatt (Texas)

The Thompson San Antonio – Riverwalk, by Hyatt offers an upscale stay in a fantastic location. The hotel offers a rooftop bar with an outdoor terrace, a fitness center, scheduled on-site activities such as yoga and wine tasting, and more. This World of Hyatt hotel directly overlooks the San Antonio Riverwalk, the city’s marquee attraction. Guests can access the walk near the hotel via street-level stairs that lead down to the river.

With room rates starting at about $275 per night, the semi-annual $300 credit is often enough to cover a night at the hotel, with all of the FHR benefits, to boot.

Hot Tip:

You can redeem Membership Rewards points at 1 cent each to pay for the portion of your nightly rate not covered by the $300 statement credit. However, if the portion not covered by the statement credit is substantial, we wouldn’t recommend redeeming at just 1 cent apiece. Membership Rewards can be transferred to airline or hotel partners and redeemed for potentially much greater value.

4. ME Malta by Meliá (St Julian’s, Malta)

St. Julian’s is a seaside town on the eastern coast of the island of Malta. While the location may sound remote, the ME Malta by Meliá hotel is less than a 20-minute drive from Malta International Airport (MLA). Plus, the hotel offers a complimentary transfer back to the airport at the end of your stay.

The popular rooftop bar on the 20th floor offers stunning ocean and city views. This hotel often offers a $200 on-site credit to use toward eligible charges (compared to the typical $100 or $125). With nightly rates starting at around $130, the $300 semi-annual hotel credit is enough to cover a 2-night stay without paying anything more out of pocket.

Note that before you book this property, you’ll want to join Meliá’s loyalty program, MeliáRewards.

5. Pendry Chicago (Illinois)

If you want luxury, boutique style, and a prime location on Chicago’s Magnificent Mile, the Pendry Chicago could be a great fit. With modern decor complementing its historic Art Deco architecture, the hotel offers decadent surroundings and access to downtown Chicago’s sights and activities.

Whether you want to shop ’til you drop, dine out, browse a gallery, or catch a show, it’s all within walking distance. You may want to leave the car at home, as self-parking isn’t convenient, and the hotel’s valet service costs about $85 per night. Still, rates start at about $240 per night, meaning you can cover a 1-night stay with a $300 statement credit.

6. PGA National Resort (Florida)

Golfers will enjoy a getaway at the PGA National Resort in Palm Beach Gardens, Florida, but pristine fairways aren’t all the resort has to offer. The full-service spa, lit pickleball courts, pristine pools, and the fitness, sports, and racquet club are additional options for keeping busy. The property is also just a short drive from the area’s beaches.

Nightly rates start at around $270, inexpensive enough for a night to be covered by the $300 semi-annual statement credit.

7. Grand Hyatt Seoul (South Korea)

Surrounded by the greenery of Namsan Park and the Botanical Gardens, the Grand Hyatt Seoul is a short distance from the city center. In addition to on-site FHR benefits, top World of Hyatt elite members can expect Hyatt amenities, including access to the club lounge and associated elite recognition. Note, though, that elite status isn’t required to enjoy FHR benefits.

Rates start at around $230 per night, meaning you could cover a 1-night stay with your Amex prepaid hotel credit.

8. W Sydney (Australia)

The W Sydney is a 5-star Marriott Bonvoy property in Sydney’s busy Darling Harbour. While the hotel’s local area is packed with sights and activities, guests can enjoy its private rooftop infinity pool, indoor heated pool, and 24/7 fitness center. The hotel is less than a 10-minute walk from the nearest train station.

Rates start at around $230 per night, making it a great option for booking FHR stays. And if you want more options, Sydney has a few, with the Sofitel Sydney Darling Harbour and the Shangri-La Sydney, each a member of Fine Hotels + Resorts and offering nightly rates below $300.

9. SLS Cancun (Mexico)

Sometimes, all you need is a little beach time. The SLS Cancun resort offers a lively vibe, elegant suites, and white-sand beach views. The hotel is often mistaken for its all-inclusive sister property, so we’ll clarify that this property is not all-inclusive.

Nights start at around $265, which means you could cover a 1-night FHR stay with the prepaid hotel statement credit.

10. Grand Hyatt Vail Resort and Spa (Colorado)

Vail is worth visiting in any season. The Grand Hyatt Vail Resort and Spa can be a great family destination or a couple’s luxury getaway any time of the year. Guests enjoy the heated infinity pool, hot tub, arcade, and access to winter sports. Summers offer creekside walks and mountain hikes.

The hotel features comfy, modern decor, spacious suites, and connecting rooms for families. The resort is about 35 miles from Eagle County Regional Airport (EGE) and 130 miles from Denver International Airport (DEN).

Rates start just under $300 per night, but given how expensive premier ski resorts in the U.S. can be, it’s a fantastic opportunity for using an Amex prepaid hotel credit.

Hot Tip:

To find your own FHR hotel deals, use the interactive MaxFHR tool to view a list of all FHR hotels. You can view hotels on a map and sort by price, brand, or program. Learn more here.

Final Thoughts

It’s possible to use your Amex Platinum card and Amex Business Platinum card hotel statement credits to cover an entire night’s stay (or more) at a luxury property and enjoy the on-site benefits. Naturally, the lowest nightly rates will be most commonly found during the shoulder or off-peak seasons. And, while the statement credit may be enough to cover the room rate, on-site destination fees may not be covered (unless included in the rate).

If you have the Amex Platinum card or Amex Business Platinum card, don’t let your valuable hotel statement credits go to waste, even if a staycation at a nearby FHR property is in order.