American Express Platinum card members have access to one of the best hotel booking platforms in the world - American Express Fine Hotels and Resorts (FHR).

If you currently hold a Personal Platinum Card from American Express (including the Morgan Stanley and Charles Schwab versions), every calendar year, you're eligible for $200 in credit towards a prepaid Fine Hotels & Resorts stay.

Since the hotels in the FHR collection are typically luxury hotels, it can be hard to maximize the credit without paying hundreds of dollars per night out of pocket to justify the stay. After all, this credit might not be valuable if you're paying more out of pocket than you otherwise would.

So we compiled a list of all of the FHR Properties where we found room rates under $200/night, so you can make great use out of your FHR Credit on your Platinum card without spending any money out of pocket (plus, these hotels also come with a credit that's included in the room rate for even more value).

Unlock Luxury Travel Perks with Amex Platinum

Elevate every stay with exclusive Fine Hotels + Resorts benefits:

• $100 Experience Credit
• Daily Breakfast for 2
• Room Upgrades
• Early Check-In & Late Check-Out
• Complimentary WiFi

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$200 Annual FHR Credit

Fine Hotels and Resorts Under $200/Night

• Ajman Saray, a Luxury Collection Resort, Ajman (Ajman, United Arab Emirates) - $100 Property Credit
• Al Bustan Palace, a Ritz-Carlton Hotel (Muscat, Oman) - $100 Food and beverage Credit
• Alila Fort Bishangarh - A Hyatt brand (Bishangarh, India) - $100 Property Credit
• Anantara Plaza Nice Hotel - A Leading Hotel of the World (Nice, France) - $100 Property Credit
• Andaz Scottsdale Resort & Bungalows (Paradise Valley, AZ) - $100 Property Credit
• Angsana Corfu Resort & Spa (Corfu, Greece) - $100 Property Credit
• At Six (Stockholm, Sweden) - $100 Food and beverage Credit
• Auberge Saint-Antoine (Quebec City, Canada) - $100 Food and beverage Credit
• Banyan Tree Puebla (Puebla, Mexico) - $150 Spa services Credit
• Britannia Hotel (Trondheim, Norway) - $100 Food and beverage Credit
• CARAMEL Grecotel Boutique Resort (Rethymno, Greece) - $100 Property Credit
• Castelfalfi (Montaione, Italy) - $100 Food and beverage Credit
• Conrad Abu Dhabi Etihad Towers (Abu Dhabi, United Arab Emirates) - $100 Food and beverage Credit
• Conrad Algarve (Loul√©, Portugal) - $100 Property Credit
• Conrad Rabat Arzana (Harhoura, Morocco) - $100 Property Credit
• Conrad Shanghai (Shanghai, China) - $100 Food and beverage Credit
• Cordis, Auckland by Langham Hospitality Group (Auckland, New Zealand) - $100 Property Credit
• Crown Towers Melbourne (Southbank, Australia) - $100 Property Credit
• Domes Miramare, a Luxury Collection Resort, Corfu - Adults Only (Corfu, Greece) - $100 Property Credit
• Encore Boston Harbor (Everett, MA) - $100 Property Credit
• Fairmont Chateau Whistler (Whistler, Canada) - $100 Food and beverage Credit
• Fairmont Jaipur (Amer, India) - $100 Property Credit
• Fairmont Le Chateau Frontenac (Quebec City, Canada) - $100 Food and beverage Credit
• Fairmont Tremblant (Mont-Tremblant, Canada) - $100 Food and beverage Credit
• Four Seasons Beijing (Beijing, China) - $100 Property Credit
• Four Seasons Hotel Abu Dhabi at Al Maryah Island (Abu Dhabi, United Arab Emirates) - $100 Food and beverage Credit
• Four Seasons Hotel Bengaluru at Embassy One (Bengaluru, India) - $100 Food and beverage Credit
• Four Seasons Hotel Jakarta (Jakarta, Indonesia) - $100 Property Credit
• Four Seasons Hotel Kuala Lumpur (Kuala Lumpur, Malaysia) - $100 Food and beverage Credit
• Four Seasons Hotel Macao at Cotai Strip (Cotai, Macao) - $100 Food and beverage Credit
• Four Seasons Hotel Mumbai (Mumbai, India) - $100 Food and beverage Credit
• Four Seasons Hotel Shenzhen (Shenzhen, China) - $100 Food and beverage Credit
• Four Seasons Hotel Sydney (Sydney, Australia) - $100 Food and beverage Credit
• Four Seasons Hotel Tianjin (Tianjin, China) - $150 Spa services Credit
• Grand Hyatt Taipei (Taipei, Taiwan, China) - $100 Property Credit
• Hacienda Xcanatun, Angsana Heritage Collection (M√©rida, Mexico) - $100 Food and beverage Credit
• Hospes Infante Sagres Porto (Porto, Portugal) - $100 Food and beverage Credit
• Hotel 1000, LXR Hotels & Resorts (Seattle, WA) - $100 Property Credit
• Hotel Bristol, A Luxury Collection Hotel, Warsaw (Warsaw, Poland) - $100 Property Credit
• Hotel Colon Gran Melia (Seville, Spain) - $100 Food and beverage Credit
• Hotel Royal Riviera (Saint-Jean-Cap-Ferrat, France) - $150 Spa services Credit
• Hyatt Regency Indian Wells Resort & Spa (Indian Wells, CA) - $100 Property Credit
• Hyatt Regency Lake Tahoe Resort, Spa and Casino (Incline Village, NV) - $100 Food and beverage Credit
• InterContinental Buckhead Atlanta, an IHG Hotel (Atlanta, GA) - $100 Property Credit
• InterContinental Cascais-Estoril, an IHG Hotel (Cascais, Portugal) - $100 Property Credit
• InterContinental Fujairah Resort, an IHG Hotel (Al Aqah, United Arab Emirates) - $100 Food and beverage Credit
• Intercontinental Kaohsiung, an IHG Hotel (Kaohsiung, Taiwan, China) - $100 Property Credit
• InterContinental Ljubljana, an IHG Hotel (Ljubljana, Slovenia) - $100 Food and beverage Credit
• InterContinental Porto - Palacio das Cardosas, an IHG Hotel (Porto, Portugal) - $100 Food and beverage Credit
• InterContinental Sofia, an IHG Hotel (Sofia, Bulgaria) - $100 Food and beverage Credit
• InterContinental Sydney, an IHG Hotel (Sydney, Australia) - $100 Food and beverage Credit
• Jing An Shangri-La, Shanghai (Shanghai, China) - $100 Property Credit
• Jumeirah Zabeel Saray (Dubai, United Arab Emirates) - $100 Property Credit
• JW Marriott Turnberry Resort & Spa (Aventura, FL) - $100 Property Credit
• Kimpton Charlotte Square Hotel, an IHG Hotel (Edinburgh, United Kingdom of Great Britain and Northern Ireland) - $100 Property Credit
• Kimpton Riverplace Hotel, an IHG Hotel (Portland, OR) - $100 Property Credit
• Langham Huntington, Pasadena, Los Angeles (Pasadena, CA) - $100 Property Credit
• Les Sources de Cheverny (Cheverny, France) - $100 Food and beverage Credit
• Llao Llao Resort Golf & Spa (San Carlos de Bariloche, Argentina) - $100 Food and beverage Credit
• Loews Ventana Canyon Resort (Tucson, AZ) - $100 Property Credit
• Mandarin Oriental, Guangzhou (Guangzhou, China) - $100 Property Credit
• Mandarin Oriental, Jakarta (Jakarta, Indonesia) - $100 Property Credit
• Mandarin Oriental, Kuala Lumpur (Kuala Lumpur, Malaysia) - $100 Property Credit
• Mandarin Oriental, Santiago (Santiago, Chile) - $100 Food and beverage Credit
• Mandarin Oriental, Sanya (Sanya, China) - $150 Spa services Credit
• Manoir Hovey (North Hatley, Canada) - $100 Food and beverage Credit
• Midtown Shangri-La, Hangzhou (Hangzhou, China) - $100 Property Credit
• Mokara Hotel & Spa San Antonio (San Antonio, TX) - $100 Property Credit
• Mr. C Miami ‚ at Coconut Grove (Miami, FL) - $100 Food and beverage Credit
• Myconian Ambassador Hotel Relais & Chateaux (Mykonos, Greece) - $100 Property Credit
• Myconian Korali (Mykonos, Greece) - $150 Spa services Credit
• Octant Douro (Castelo de Paiva, Portugal) - $100 Property Credit
• Octant Furnas (Povoacao, Portugal) - $100 Property Credit
• Paradise Hotel Busan (Busan, South Korea) - $100 Property Credit
• Park Hyatt Auckland (Auckland, New Zealand) - $100 Property Credit
• Park Hyatt Beijing (Beijing, China) - $100 Food and beverage Credit
• Park Hyatt Melbourne (East Melbourne, Australia) - $100 Property Credit
• Park Hyatt Siem Reap (Siem Reap, Cambodia) - $100 Food and beverage Credit
• PGA National Resort (Palm Beach Gardens, FL) - $100 Property Credit
• Pudong Shangri-La, Shanghai (Shanghai, China) - $100 Property Credit
• Regent Porto Montenegro (Tivat, Montenegro) - $100 Food and beverage Credit
• Regent Shanghai Pudong (Shanghai, China) - $100 Food and beverage Credit
• Regent Taipei (Taipei, Taiwan, China) - $150 Spa services Credit
• Rosewood Abu Dhabi (Abu Dhabi, United Arab Emirates) - $150 Spa services Credit
• Royal Palms Resort and Spa, part of Hyatt (Phoenix, AZ) - $100 Property Credit
• Shangri-La Colombo (Colombo, Sri Lanka) - $150 Spa services Credit
• Shangri-La Far Eastern, Taipei (Taipei, Taiwan, China) - $100 Food and beverage Credit
• Shangri-La Sydney (The Rocks, Australia) - $100 Property Credit
• Signiel Busan (Busan, South Korea) - $100 Food and beverage Credit
• Sofitel Auckland Viaduct Harbour (Auckland, New Zealand) - $100 Property Credit
• Sofitel Legend People's Grand Hotel Xian (Xi'an, China) - $100 Food and beverage Credit
• Sofitel Sydney Darling Harbour (Sydney, Australia) - $100 Food and beverage Credit
• Sommerro (Oslo, Norway) - $100 Property Credit
• St. Regis Macao (Cotai, Macao) - $150 Spa services Credit
• Sun Gardens Dubrovnik (Dubrovnik, Croatia) - $100 Property Credit
• Sundance Mountain Resort (Provo, UT) - $100 Property Credit
• Taj Campton Place (San Francisco, CA) - $100 Food and beverage Credit
• Taj Mahal, New Delhi (New Delhi, India) - $150 Spa services Credit
• The Art Hotel Denver, Curio Collection by Hilton (Denver, CO) - $100 Food and beverage Credit
• The Ballantyne, A Luxury Collection Hotel, Charlotte (Charlotte, NC) - $100 Food and beverage Credit
• The Cellars-Hohenort (Cape Town, South Africa) - $100 Property Credit
• The Duniway Portland A Hilton Hotel (Portland, OR) - $100 Food and beverage Credit
• The Imperial New Delhi (New Delhi, India) - $100 Property Credit
• The Ivey's Hotel (Charlotte, NC) - $100 Property Credit
• The Langham, Gold Coast and Jewel Residences (Surfers Paradise, Australia) - $100 Property Credit
• The Langham, Hong Kong (Kowloon, Hong Kong) - $100 Property Credit
• The Langham, Melbourne (Southbank, Australia) - $100 Property Credit
• The Langham, Shanghai, Xintiandi (Shanghai, China) - $100 Property Credit
• The Leela Palace Bengaluru (Bengaluru, India) - $100 Property Credit
• The Leela Palace Chennai (Chennai, India) - $100 Food and beverage Credit
• The Leela Palace New Delhi (New Delhi, India) - $100 Food and beverage Credit
• The Loren at Lady Bird Lake (Austin, TX) - $100 Property Credit
• The Naka Island, a Luxury Collection Resort & Spa, Phuket (Pa Klok, Thailand) - $100 Property Credit
• The Nines, a Luxury Collection Hotel, Portland (Portland, OR) - $100 Food and beverage Credit
• The Oberoi Mumbai (Mumbai, India) - $100 Food and beverage Credit
• The Oberoi, New Delhi (New Delhi, India) - $100 Food and beverage Credit
• The Palazzo at The Venetian (Las Vegas, NV) - $100 Food and beverage Credit
• The Peninsula Manila (Makati, Philippines) - $100 Food and beverage Credit
• The Phoenicia Malta (Floriana, Malta) - $100 Property Credit
• The Ritz-Carlton Abu Dhabi, Grand Canal (Abu Dhabi, United Arab Emirates) - $100 Food and beverage Credit
• The Ritz-Carlton, Bangalore (Bengaluru, India) - $100 Property Credit
• The Ritz-Carlton, Dubai International Financial Centre (Dubai, United Arab Emirates) - $100 Property Credit
• The Ritz-Carlton, Guangzhou (Guangzhou, China) - $100 Food and beverage Credit
• The Ritz-Carlton, Santiago (Santiago, Chile) - $100 Food and beverage Credit
• The Ritz-Carlton, Shenzhen (Shenzhen, China) - $100 Property Credit
• The Ritz-Carlton, Tianjin (Tianjin, China) - $100 Food and beverage Credit
• The Ritz-Carlton, Xi'an (Xi'an, China) - $100 Property Credit
• The Roosevelt New Orleans, A Waldorf Astoria Hotel (New Orleans, LA) - $100 Property Credit
• The St. Anthony, A Luxury Collection Hotel, San Antonio (San Antonio, TX) - $100 Food and beverage Credit
• The St. Regis Abu Dhabi (Abu Dhabi, United Arab Emirates) - $100 Property Credit
• The St. Regis Astana (Astana, Kazakhstan) - $125 Property Credit
• The St. Regis Beijing (Beijing, China) - $100 Property Credit
• The St. Regis Chengdu (Chengdu, China) - $100 Property Credit
• The St. Regis Goa Resort (Cavelossim, India) - $100 Property Credit
• The St. Regis Jakarta (Jakarta, Indonesia) - $100 Property Credit
• The St. Regis Kuala Lumpur (Kuala Lumpur, Malaysia) - $100 Food and beverage Credit
• The St. Regis Qingdao (Qingdao, China) - $100 Property Credit
• The St. Regis Sanya Yalong Bay Resort (Sanya, China) - $100 Food and beverage Credit
• The St. Regis Shanghai Jingan (Shanghai, China) - $100 Food and beverage Credit
• The St. Regis Shenzhen (Shenzhen, China) - $100 Food and beverage Credit
• The St. Regis Zhuhai (Zhuhai, China) - $100 Property Credit
• The Tasman, a Luxury Collection Hotel, Hobart (Hobart, Australia) - $100 Property Credit
• Thompson Atlanta Buckhead, part of Hyatt (Atlanta, GA) - $100 Food and beverage Credit
• Thompson Dallas, part of Hyatt (Dallas, TX) - $100 Property Credit
• Thompson San Antonio ‚ at Riverwalk, part of Hyatt (San Antonio, TX) - $125 Property Credit
• Thompson Savannah, part of Hyatt (Savannah, GA) - $100 Property Credit
• Thompson Zihuatanejo, a Beach Resort, part of Hyatt (Zihuatanejo, Mexico) - $100 Property Credit
• Tivoli Portopiccolo Sistiana Wellness Resort & Spa (Duino-Aurisina, Italy) - $100 Property Credit
• Trump Turnberry (Girvan, United Kingdom of Great Britain and Northern Ireland) - $100 Property Credit
• University Arms, Autograph Collection (Cambridge, United Kingdom of Great Britain and Northern Ireland) - $100 Property Credit
• Villa Copenhagen (Copenhagen, Denmark) - $100 Food and beverage Credit
• W Algarve (Albufeira, Portugal) - $100 Property Credit
• W Bogota (Bogota, Colombia) - $100 Property Credit
• W Brisbane (Brisbane, Australia) - $100 Property Credit
• W Goa (Vagator, India) - $100 Food and beverage Credit
• W Panama (Panama City, Panama) - $100 Property Credit
• W Santiago (Santiago, Chile) - $100 Food and beverage Credit
• Waldorf Astoria Chengdu (Chengdu, China) - $100 Property Credit
• Waldorf Astoria Dubai International Financial Centre (Dubai, United Arab Emirates) - $100 Property Credit
• Waldorf Astoria Dubai Palm Jumeirah (Dubai, United Arab Emirates) - $100 Property Credit
• Waldorf Astoria Edinburgh - The Caledonian (Edinburgh, United Kingdom of Great Britain and Northern Ireland) - $100 Property Credit
• Waldorf Astoria Panama (Panama City, Panama) - $100 Property Credit
• Waldorf Astoria Ras Al Khaimah (Ras Al Khaimah, United Arab Emirates) - $100 Food and beverage Credit
• Waldorf Astoria Xiamen (Xiamen, China) - $100 Food and beverage Credit
• Wynn Las Vegas (Las Vegas, NV) - $150 Spa services Credit

It's important to note that the experience credit that's listed above is included in your room rate, so you wont be spending anything out of pocket to get that. For example, if the room rate is $175/night, and the experience credit is $100 towards a Spa Treatment, the effective rate of the hotel is $75/night (which is "included" in the annual fee of your Platinum Card).

Fine Hotels & Resorts Benefits

Cardmembers who book an eligible Fine Hotels & Resorts Property through the American Express Travel Portal will receive the following benefits:

• $100 Experience Credit
• Daily Breakfast for 2
• Room Upgrade (when available)
• 12PM Check-In (when available)
• 4PM Guaranteed Late Check-Out
• Complimentary Wifi

Final Thoughts

If you're anything like me, you feel like the $695 annual fee on the Platinum Card is expensive enough; let alone, jumping through hoops to find the best ways to use all of the credits without spending money out of pocket.

This list should be a great starting point to figure out how to maximize the $200 FHR credit, without spending any money out of pocket.