MSN has partnered with The Points Guy for our coverage of credit card products. MSN and The Points Guy may receive a commission from card issuers.
Editor’s note: This post has been updated with current information and offers.
Elite status with a hotel chain can make travel much more comfortable. But not all of us can hit the high requirements for top-tier hotel elite status. Fortunately, select credit card holders can get elite-like perks by booking through programs such as American Express’ Fine Hotels and Resorts and Chase’s Luxury Hotel & Resort Collection.
Both programs provide valuable perks. And booking through these programs often doesn’t cost much, if any, more than booking directly with the hotel. I’ve previously written about Amex’s Fine Hotels and Resorts program. So, today I’ll take a closer look at Chase’s Luxury Hotel & Resort Collection program so you can decide whether to use it for your next hotel booking.
Get the latest points, miles and travel news by signing up for TPG’s free daily newsletter.
In This Post
What is Chase’s Luxury Hotel & Resort Collection?
Chase’s Luxury Hotel & Resort Collection is a booking method that offers select Chase cardholders elite-like benefits at more than 1,000 hotels, resorts, lodges and spas worldwide. The properties bookable through Chase’s Luxury Hotel & Resort Collection program are a mix of branded and independent lodgings. But all of the properties are well-rated, and Chase says they are among the world’s finest.
Related: Amex vs. Citi vs. Chase: Which booking portal is best for hotels?
Main benefits and perks
Booking through Chase Luxury Hotel & Resort Collection is rarely the cheapest option. However, the perks you receive when you book through the program and use your Chase card to purchase your stay may make up for any price difference. With every Chase Luxury Hotel & Resort Collection booking you receive:
- Daily breakfast for two
- A unique benefit worth up to $100
- Unique to each property, but often includes lunch or dinner for two, a spa treatment, golf green fee waivers, a welcome gift or airport transfers
- Complimentary Wi-Fi
- A room upgrade, if available
- Early check-in and late checkout, if available
As you might expect, the breakfast and unique benefit perks vary in quality and value. Although Chase provides various examples for the unique benefit, most properties offer a $50 or $100 credit for use during your stay. Some properties, however, offer less-valuable unique benefits. For example, Virgin Hotels Chicago only provides a $25 food and beverage credit.
You can maximize your Luxury Hotel & Resort Collection bookings by targeting hotels that offer unique amenities that will provide value to you. For example, here are a few unique amenities that I found interesting:
- Westin Michigan Avenue Chicago provides daily access to the Westin Executive Club
- Sukhothai Bangkok offers a complimentary 60-minute massage for up to two guests per room once during their stay
- Mystique in Santorini offers a wine tasting for two and a bottle of Santorini wine once during your stay
Related: Using Chase’s Luxury Hotel and Resort Collection program at the Aria in Las Vegas
Which cards are eligible for Luxury Hotel & Resort Collection bookings?
Not all Chase credit cards provide access to book hotels through the Luxury Hotel & Resort Collection program. Chase determines whether you have access based on your card number’s first six digits.
If you want to check whether you’re able to book through the Luxury Hotel & Resort Collection, go to the Luxury Hotel & Resort Collection website and begin a sample hotel search. Try entering the first six digits of your Chase card number(s) when required.
To give you an idea of what cards have access, Chase advertises Luxury Hotel & Resort Collection access as a benefit on the application page for the following cards:
- Chase Sapphire Reserve®
- United Explorer Card
- United Club Infinite Card
- United Business Card
However, based on testing I did with my own Chase cards, many other cards provide access to the Luxury Hotel & Resort Collection. Out of the Chase cards my husband and I have, the following have access to book Luxury Hotel & Resort Collection stays:
- Chase Sapphire Reserve® (Visa Infinite)
- Chase Sapphire Preferred® Card (Visa Signature)
- Marriott Bonvoy Boundless Credit Card (Visa Signature)
- Chase Freedom Unlimited (Visa Signature)
- Ink Business Cash Credit Card (Visa Signature)
- Ink Business Preferred Credit Card (Visa Signature)
- Southwest Rapid Rewards Premier Credit Card (Visa Signature)
- Southwest Rapid Rewards Premier Business Credit Card (Visa Signature)
- Chase Freedom (Visa Signature, closed to new applicants)
- Ritz-Carlton Credit Card (Visa Infinite, closed to new applicants)
In fact, out of our Chase cards, only the Iberia Visa Signature Card, IHG Rewards Club Premier Credit Card and the IHG Rewards Club Select Credit Card (closed to new applicants) don’t have access to Luxury Hotel & Resort Collection stays. So, it’s worth checking to see whether any of your Chase cards are eligible.
The information for the Chase Freedom Unlimited, Chase Freedom and Ritz-Carlton Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: Maximize your wallet with the perfect quartet of Chase cards
How to book Luxury Hotel & Resort Collection stays
Video: Jamaica Will Start Charging All Travelers a Health Insurance Fee Next Month (Travel + Leisure)
You must reserve through a Luxury Hotel & Resort Collection travel specialist or on LHRCollection.com to get Luxury Hotel & Resort Collection perks. For ease, I recommend searching for properties online so you can quickly see the benefits and pricing for each property.
To start a search, enter your destination, dates and number of guests in the search box at the top of the page.
On the next page, you’ll need to enter the first six digits of an eligible Chase credit card if you haven’t searched recently. Note that although this page refers to Chase United cardmembers, eligible Chase cardholders with non-United cards can also use this site.
Once you enter your card details, you’ll see all the Luxury Hotel & Resort Collection properties at your destination.
You can select a property by clicking on its name. Doing so will take you to a page where you can choose your room type.
You must use your Chase card to book your stay. You’ll usually pay at the hotel, but the property may charge a guarantee or deposit to your credit card before your stay. If you have multiple Chase cards, it’s unclear whether you must use a card that provides access to the Luxury Hotel & Resort Collection to pay at the property or whether you can use any Chase card.
Most Luxury Hotel & Resort Collection reservations use the cancellation policy of the property. And, the price you see may not show additional hotel charges, such as resort fees and hotel energy surcharges. So, take the time to understand what types of fees the hotel might impose before you book.
Related: The best credit cards for luxury hotel stays
Will I earn elite status or loyalty benefits?
Chase doesn’t address whether you’ll earn elite credit or have your hotel loyalty recognized on Luxury Hotel & Resort Collection stays. Online travel agent bookings don’t usually earn elite status or have access to loyalty benefits. But online reports indicate that some travelers have earned loyalty points and gotten elite benefits on Luxury Hotel & Resort Collection stays.
You can try to add your loyalty number to the reservation after booking or at check-in. However, I don’t recommend booking through the Luxury Hotel & Resort Collection if getting loyalty benefits and earning is critical for your stay. After all, the hotel may not be willing to give elite points, nights and perks if you don’t book directly with the hotel.
Related: Does elite status from a credit card get you less recognition?
Is Chase’s Luxury Hotel & Resort Collection worth it?
Chase’s Luxury Hotel & Resort Collection most closely resembles Amex’s Fine Hotels & Resorts program. But when you book with American Express’ Fine Hotels & Resorts program, your late checkout is guaranteed and the experience credit is often more valuable. Additionally, earning 5x on prepaid Fine Hotels & Resorts bookings with The Platinum Card® from American Express or The Business Platinum Card® from American Express is appealing (though fewer cards have access to Amex’s Fine Hotels & Resorts program).
Another card-related hotel program is Visa Signature Luxury Hotels. But compared to Chase’s Luxury Hotel & Resort Collection, the benefits aren’t as extensive and the property credit per stay isn’t as generous. On the other hand, different hotels may be bookable through this program.
Finally, booking direct provides more rate options — including AAA, AARP and corporate rates. You can also book through a cash-back portal and know with certainty that you’ll get elite nights and benefits (if that matters to you). Especially if you already get breakfast included as a brand amenity or elite benefit, it may make sense to book direct at the lowest rate. I recently considered the value of booking directly with Marriott Bonvoy, Hilton Honors, World of Hyatt and IHG Rewards Club when you have hotel elite status.
In the end, Chase’s Luxury Hotel & Resort Collection can be worth it. After all, the program does provide elite-like perks. But, I recommend considering other booking options to ensure you’re getting the best value and benefits on your stay.
Related: When to book through Amex Fine Hotels & Resorts vs. Chase Luxury Hotel and Resort Collection
When to use Chase’s Luxury Hotel & Resort Collection
Even if the rates aren’t the lowest, there are times when booking through a program like Chase’s Luxury Hotel & Resort Collection can be a good idea.
One of the most significant selling points of Chase’s Luxury Hotel & Resort Collection is the unique property benefit. But, properties provide this benefit per stay, not per night. So, the shorter your stay, the better a value this represents.
As such, it may be worth booking a Chase Luxury Hotel & Resort Collection hotel for only one night at the beginning or end of your trip to squeeze the most value out of this credit. I was able to do this after taking the Amtrak Empire Builder from Portland to Chicago when I got $160 of value out of a $153 one-night stay at the Loews Chicago using Amex’s Fine Hotels and Resorts program.
Related: 10 reasons the Chase Sapphire Reserve is ideal for living or traveling abroad
You can get elite-like benefits at non-chain hotels when you book through Chase’s Luxury Hotel & Resort Collection. Some luxury hotels aren’t part of a hotel loyalty program, so booking through Chase’s Luxury Hotel & Resort Collection can be a way to get more benefits and recognition.
Related: These are 6 of the hotel brands I wish would join or create loyalty programs
Someone else is paying
If your company or client is paying for the stay, it may not matter how you book your stay. So, you may be able to book through Chase’s Luxury Hotel & Resort Collection even if it isn’t the least expensive option and benefit from the program’s perks when traveling for business.
Related: 9 unique hotel amenities that will make your next business trip so much better
Travelers without elite status
Except for the unique property benefit, booking through Chase’s Luxury Hotel & Resort Collection provides many of the same perks as elite status. So booking through the Luxury Hotel & Resort Collection provides more value when you’re staying at a brand for which you don’t have top-tier elite status. At some properties, the included breakfast benefit alone is enough to offset any difference in rates.
Related: Rebooking through the Chase Luxury Hotel & Resort Collection got me $400 in hotel value
Using your hard-earned points for hotel stays can be a great way to keep money in your pocket. But, using points may not be the best option — or an option at all — in some cases. And, for some trips, you might want elite-like perks even though you don’t have elite status. In these cases, it may make sense to book your hotel stay through a program like Chase’s Luxury Hotel & Resort Collection to get extra perks.
Additional reporting by Nick Ewen.
Featured image of the Andaz Mayakoba by Victoria Walker/The Points Guy
SPONSORED: With states reopening, enjoying a meal from a restaurant no longer just means curbside pickup.
And when you do spend on dining, you should use a credit card that will maximize your rewards and potentially even score special discounts. Thanks to temporary card bonuses and changes due to coronavirus, you may even be able to score a meal at your favorite restaurant for free.
These are the best credit cards for dining out, taking out, and ordering in to maximize every meal purchase.
Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.