Amex Platinum $600 Lodging Credit: Two-Night Minimum for Fine Hotels + Resorts From January 1, 2027
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Starting January 1, 2027, the Amex Platinum $600 Lodging Credit will only reimburse Fine Hotels + Resorts bookings with a minimum two-night stay. The change applies to both the Platinum Card from American Express and the Business Platinum Card, and it is written into the Lodging Credit terms on the American Express site.
The benefit also has a new name and a wider scope. The former $600 Hotel Credit is now the $600 Lodging Credit, and prepaid Airbnb Luxe stays booked through Amex Travel now qualify, also with a two-night minimum. Single-night Fine Hotels + Resorts stays remain eligible through December 31, 2026, so your 2026 credit is the last one you can use on a one-night stay.
What stays the same
The amount does not change. Basic Card Members get up to $300 in statement credits semi-annually, for up to $600 per calendar year:
- January to June: up to $300, for eligible bookings processed by June 30, 11:59 PM Central Time
- July to December: up to $300, for eligible bookings processed by December 31, 11:59 PM Central Time
- Annual cap: $600 per calendar year, per Card Account
Bookings must be prepaid ("Pay Now") and made through AmexTravel.com or the Amex Travel App. Fine Hotels + Resorts and The Hotel Collection can also be booked by calling the number on the back of the card. No enrollment is required. Delta SkyMiles Platinum Card Members are not eligible.
What changes on January 1, 2027
Fine Hotels + Resorts was the only way to use the credit on a single night. The Hotel Collection already required two consecutive nights, and Airbnb Luxe joins with the same rule. From January 1, 2027, all three booking types need at least two nights to trigger the statement credit.
The two-night rule applies to the statement credit only. Fine Hotels + Resorts benefits on a one-night stay (daily breakfast for two, a $100 property credit, guaranteed 4pm check-out, 12pm check-in and a room upgrade when available) are not tied to it.
| Booking type (prepaid, via Amex Travel) | Through December 31, 2026 | From January 1, 2027 |
|---|---|---|
| Fine Hotels + Resorts | 1 night | 2 nights |
| The Hotel Collection | 2 consecutive nights | 2 consecutive nights |
| Airbnb Luxe | 2 consecutive nights | 2 consecutive nights |
Airbnb Luxe and the new Airbnb benefits
Airbnb homes can now be booked from the Homes tab of AmexTravel.com or the Amex Travel App. You first link an Airbnb account in the same name as your American Express online account. Three benefits come with it:
- Lodging Credit: prepaid Airbnb Luxe bookings of at least two consecutive nights count toward the $600 Lodging Credit.
- 5X Membership Rewards points: Platinum and Business Platinum earn 5X on prepaid short-term rentals booked with Airbnb through Amex Travel. The Classic Green Card earns 3X and other Membership Rewards cards earn 2X.
- $250 Airbnb Experiences Credit: one confirmed prepaid Airbnb Luxe booking through Amex Travel unlocks up to $250 in statement credits on Airbnb Experiences bought directly with Airbnb, through December 31 of that calendar year.
The 5X points are Membership Rewards points, which you can transfer to airline and hotel partners. You cannot pay for an Airbnb booking with Pay with Points.
The Experiences credit has strings attached. If every qualifying Airbnb Luxe booking is cancelled, the benefit locks again and credits already received may be reversed. Experiences sold through a third-party platform, such as live event tickets, are excluded.
How to use your 2026 credit before the rule changes
The deadline that matters is the processing date of the charge, not the travel date. A prepaid booking processed before December 31, 2026, 11:59 PM Central Time counts toward the July to December 2026 period, even if the stay happens later.
- Check your balance: the Benefits tab of your online account shows how much of the $300 you have used for the current period.
- Book a one-night Fine Hotels + Resorts stay now: it is the last period in which a single night qualifies.
- Avoid late-December charges: if the property processes the charge on January 1, it counts toward the 2027 period and falls under the new rule.
- Plan 2027 around two nights: a two-night Fine Hotels + Resorts or Hotel Collection stay, or a two-night Airbnb Luxe home, will be needed to collect each $300.
Who is affected
Basic Card Members and Additional Platinum Card Members can book all three types of stays. Companion Platinum Card Members, and Employee Business Expense Card Members on Business Platinum accounts, can only use The Hotel Collection and Airbnb Luxe for the credit. The $300 per period cap applies across all cards on the account.
For a full picture of the card's other credits, read our coverage of the Platinum Card refresh and the Business Platinum Card refresh.
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $895 | |||
| $895 |
Bottom Line
If you hold a Platinum or Business Platinum card and you usually burn the $300 on one night at a Fine Hotels + Resorts property, book that stay before December 31, 2026. From 2027, plan on two nights per $300, or look at Airbnb Luxe if a private home suits your trip. Compare your options in our credit card guide, and get changes like this one in our newsletter.
When does the two-night minimum for Fine Hotels + Resorts start?
The two-night minimum applies from January 1, 2027. Until December 31, 2026, a prepaid one-night Fine Hotels + Resorts booking still earns up to $300 in statement credits per half-year.
Is the Amex Lodging Credit still worth $600?
Yes. Platinum and Business Platinum Basic Card Members still get up to $300 in statement credits semi-annually, for up to $600 per calendar year per Card Account.
What is the difference between the Hotel Credit and the Lodging Credit?
It is the same $600 benefit under a new name. The Lodging Credit adds prepaid Airbnb Luxe bookings made through AmexTravel.com or the Amex Travel App, with a two-night minimum.
Does a one-night Fine Hotels + Resorts stay booked in 2026 for travel in 2027 qualify?
The credit period is set by the date the prepaid charge is processed, not the travel date. A booking processed by December 31, 2026, 11:59 PM Central Time falls in the July to December 2026 period, which still allows one night.
How many points do I earn on Airbnb bookings through Amex Travel?
Platinum and Business Platinum earn 5X Membership Rewards points on prepaid short-term rentals booked with Airbnb through Amex Travel. The Classic Green Card earns 3X and other Membership Rewards cards earn 2X.
How do I unlock the $250 Airbnb Experiences Credit?
Make one prepaid Airbnb Luxe booking through AmexTravel.com or the Amex Travel App with your Platinum or Business Platinum card. Once Airbnb confirms it, you can get up to $250 in statement credits on Airbnb Experiences bought directly with Airbnb through December 31 of that year.
Can I use Membership Rewards points to pay for an Airbnb booking?
No. Pay with Points is not available on Airbnb bookings made through Amex Travel. You can redeem points for a statement credit once the charge posts.
Are Delta SkyMiles Platinum cardholders eligible for the Lodging Credit?
No. The $600 Lodging Credit is limited to the U.S. Consumer Platinum Card and the Business Platinum Card. Delta SkyMiles Platinum Card Members are not eligible.