Home Credit Cards Differences Between The Luxury Hotel Program For Sapphire Reserve Cardholders & The One For Everyone Else

Differences Between The Luxury Hotel Program For Sapphire Reserve Cardholders & The One For Everyone Else

by joeheg

The Chase Sapphire Reserve advertises itself as the card for smart, sophisticated travelers. It has many features that justify the hefty $450 a year price tag, like a $300 annual travel credit, primary car insurance coverage, Priority Pass membership and Global Entry/TSA Precheck reimbursement.

If you go to the page on the Sapphire Reserve website, you’ll find a link to the Luxury Hotel & Resort Collection.


The Luxury Hotel & Resort Collection is a network of more than 1,000 of the world’s finest hotels, resorts and spas. When you use your Chase Sapphire ReserveSM or J.P. Morgan ReserveSM card to purchase your stay, you enjoy complimentary guest privileges including daily breakfast for two, a room upgrade (when available at select properties), early check-in and late check-out (when available at select properties) and a special amenity unique to each property such as lunch or dinner for two, a spa treatment, golf green fee waivers, welcome gift, or airport transfers.

Here’s a direct link to the website. You’ll be asked to log in with your Chase ID associated with your Sapphire Reserve card. When I tried with a different account, the link sent me to the general Ultimate Rewards page. But what if you don’t have a Sapphire Reserve for, you know, reasons?

I knew I booked the Waldorf Astoria through a different website where a Sapphire Preferred cardholder could make similar reservations. It’s called the Visa Luxury Hotel Collection. Not confusing at all, right?

Here’s a direct link to their website.


This program is open to all cardholders who hold an eligible Visa premium card and are in good standing. Eligible Visa premium cards include Visa Signature and Visa Infinite cards and select Visa Gold and Visa Platinum cards. The Visa Luxury Hotel Collection offer is valid only when you book and pay for your stay with a valid, eligible Visa premium card.

This isn’t a Chase program but one run by VISA. It isn’t that difficult to get a Visa Signature card, even the no-annual-fee Disney Visa card would qualify.

So what’s the difference between the two programs?

The first thing I noticed was that the Luxury Hotel & Resort Collection has more participating hotels. Here’s a look at the options in Osaka, Japan over Thanksgiving.

I also found it interesting that there’s not necessarily direct overlap between the two programs. The Intercontinental is only on the Visa Luxury Hotel portal.

The next difference was the perks offered by each program. I compared the Conrad Osaka since it was the only one available through both programs.

Here’s the offer from the Luxury Hotel & Resort Collection:


While here are the offers from the Visa Luxury Hotel Collection:


Both rates include a full breakfast, room upgrade (if available) and late check-out upon request (if available).

The Luxury Hotel & Resort Collection offers a $50 food, beverage or spa credit, welcome amenity and possible early check-in and the Visa Luxury Hotel Collection offers a $25 food or beverage credit, VIP Guest status and in-room Wi-Fi.

What about the prices?

Here’s the breakdown for The Luxury Hotel & Resort Collection.


Visa Luxury Hotel Collection

Screen Shot 2019-08-29 at 4.19.42 PM

Some of the difference in price is because the Visa website is including the 10% fee into the price where the Luxury Hotel website doesn’t. You have to click down to the details to see the hotel fee, which is why those fees are terrible.

Still, even with that difference, the Luxury Hotel & Resort Collection is less expensive by about $50 and you’d get $25 extra credit.

I didn’t get a chance to check this our for every hotel, but I did another search for a U.S. hotel to see if made any difference. This time I looked for a hotel around Hollywood.

Just as before, the Luxury Hotel & Resort Collection had a larger selection of participating properties.

One hotel on both lists was the Andaz West Hollywood.

Luxury Hotel & Resort Collection:


Visa Luxury Hotels Collection.


Same as before, the Luxury Hotel & Resort Collection gives slightly better benefits and a slightly lower price.

Final Thoughts

So what do I think about the two different websites? The Luxury Hotel & Resort Collection website is definitely the more polished of the two. It also seems to have slightly lower prices and better benefits than the Visa Luxury Hotels Collection website.

However, you don’t need a Sapphire Reserve card to use the Visa Luxury Hotels Collection website, only a Visa Signature card from any bank. Sapphire Reserve cardholders can book on either website.

Since the prices can vary and inventory on both websites are different, it would seemingly be a good idea to check them both out if you can. If you only have access to the Visa Luxury Hotels Collection website, know that you’re probably missing out on some options but the prices on the eligible hotels are similar between the sites. I’d also suggest if you’re looking to pay at a luxury hotel, you can also see if there are any good offers through luxury travel agents, like the Virtuoso network. That’s how we booked rooms for our upcoming trip.

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This post first appeared on Your Mileage May Vary


Christian August 29, 2019 - 6:32 pm

What’s the 10% fee that you mention?

joeheg August 29, 2019 - 6:38 pm

The Conrad Osaka charges a 15% Service fee, 10% tax and 300 yen per person charge on top of the room rate. The two sites do varying jobs at letting you easily know those extra fees.

Steven August 29, 2019 - 11:17 pm

Any visa signature card from chase will allow you to access the Chase LHR website.

joeheg August 29, 2019 - 11:59 pm

I’m not sure about that. I tried every Chase ID we have and the only one that let me into the LHR portal was the account associated with my Sapphire Reserve card.


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