---
type: Tip
title: Use card perks at expensive hotels
description: Booking a five-star through a premium travel credit card turns a room rate into a property credit, free breakfast, early check-in, late checkout and an upgrade — but book ahead or the upgrade won't land.
tags: [money, hotels, credit-cards, luxury, budgeting]
timestamp: 2026-08-05T12:00:00Z
---

# Use card perks at expensive hotels

Harry's method for the nights he spends at the top of the market. He books
through a premium travel credit card — his is an Amex Platinum — and the room
rate stops being the whole transaction: a property credit comes back to him, and
breakfast, early check-in, late checkout and a room upgrade come with it.

The point is not that the hotel becomes cheap. It's that the difference between
booking the same room directly and booking it through the card is several
hundred dollars of value on a stay he was making anyway.

## How Harry applies it

**On [Boracay](/places/boracay.md)**, at the island's most expensive hotel — the
$550–600-a-night tier — the card brought a $100 property credit and early
check-in. He stayed one night at that price and moved somewhere cheaper rather
than pay it twice, which is the other half of how he uses this: the perks make
a single night at the top affordable, not a week.

**At the Equinox in [New York](/places/new-york.md)**, rated the best hotel in
the city, the same card was meant to bring a $100 credit, free breakfast, early
check-in, late checkout and a free upgrade.

**And the failure mode, which he films.** The upgrade didn't happen, because he
booked the same day and the hotel was full. His own conclusion, said to camera:
book ahead next time. The perks that cost the hotel nothing arrive reliably;
the one that depends on inventory does not.

## Demonstrated in

- [I Promise You it's More Fun in the Philippines🇵🇭](/videos/fGZtk1PqSrE.md) —
  a $100 property credit and early check-in at Boracay's most expensive hotel.
- [A Foreigner Takes on the Streets of Manhattan 🇺🇸](/videos/MxdwBFwWHA8.md) —
  the full set of perks at the Equinox, and the upgrade that didn't land
  because he booked too late.
- [30 Days Travelling USA - American Dream or Failure? 🇺🇸](/videos/0ttOIcmgZYk.md) —
  the lesson applied. At the Plaza in [New York](/places/new-york.md), booked
  ahead rather than same-day, **the upgrade lands** — along with the $100 credit —
  on a $1,000 room. Set against the Equinox entry, this is the page's own advice
  tested twice with opposite results, and the variable is how far in advance he
  booked.