Rosewood Hong Kong

Hong Kong has one of the world's most dynamic, most luxurious hotel scenes. After all, it was the birthplace of Peninsula and Mandarin Oriental. But even with that prestigious pedigree, there's room for new blood.

Rosewood Hong Kong, which has become the brand's flagship, proves the point, managing to blend classic high-touch luxury with a slate of contemporary amenities that include two Michelin-starred restaurants, one of the city's best club lounges and a 40,000 square-foot Asaya Spa proffering a panoply of Guerlain treatments.

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The hotel sort of feels like a microcosm of Hong Kong that way — great dining, great wellness offerings, museum-worthy art, great shopping (at the attached K11 Musea mall). It brings together the best of Hong Kong in one place. Well, maybe minus a reasonably priced milk tea or dim sum basket. But even if you can't afford to stay here, a visit to one of its venues is well worth the splurge.

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Here's what it was like to stay at the Rosewood Hong Kong and how to make the most of the experience.

Rosewood Hong Kong vibe

Imagine, if you will, a place where everyone has Gucci loafers and (actually real) Goyard bags, which they swing to and fro with careless abandon, their Cartier bangles and Audemars Piguet Royal Oak watches jangling, couture-clad tots in tow, as they make their way past surreal art installations to a sumptuous breakfast buffet or a wellness class overlooking Hong Kong harbor.

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Can you picture it? If so, you might just have an inkling of what's in store for you at the Rosewood Hong Kong. A parade of well-funded families, trust-funded creatives and deal-closing business types are likely to be your fellow guests. You'll spot them shuttling up and down the elevator banks of the gleaming tower now anchoring the Tsim Sha Tsui waterfront of Kowloon as they bustle about their well-to-do days.

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That's not to say the hotel is stuffy, though. Rather, the people-watching is top-notch and the myriad staff on hand are there to make sure everyone has exactly what they want, when they want it, before they ask for it.

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Rosewood Hong Kong location

The Rosewood Hong Kong is located along a prime stretch of Kowloon's waterfront in Tsim Sha Tsui. It's attached to the K11 Musea luxury mall, close to several metro stations and a not-too-long stroll to the Star Ferry, making it easy to get public transportation.

ERIC ROSEN/THE POINTS GUY

From the airport, you could take the Hong Kong Airport Express to the Kowloon station and get the metro or a taxi from there. Otherwise, a taxi or Uber to the airport takes around 45 minutes and costs between $40-$60 each way.

Standout features

ERIC ROSEN/THE POINTS GUY
  • Palatial rooms with all-marble bathrooms.
  • 11 bars and restaurants that include some of the city's most sought-after reservations.
  • Fabulous spa facilities and treatments that incorporate chi-chi Guerlain products.

Drawbacks

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  • Some visitors might prefer staying on the island side of the harbor versus Kowloon, where the hotel is situated.
  • With public floors, private residences, club lounges and more, it can be hard navigating the hotel's many venues.
  • The price point puts this hotel out of reach of most travelers.

Rosewood Hong Kong rooms and suites

The Rosewood Hong Kong has 413 rooms and suites perched on floors 24-40 of the gleaming tower the hotel occupies and ranging from Kowloon Peak View rooms to multibedroom suites.

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The 39th-floor Club Grand Harbour View room I stayed in had, as its category name would suggest, sweeping views of the city's harbor and island skyline. It was also huge by Hong Kong standards, measuring up at 570 square feet. The decor by designer Tony Chi felt like a mix of midcentury British chic — chrome stag's head door handles, tartan-upholstered sofas and herringbone wallpaper — accompanied by nods to classic Hong Kong scenes like plush, geometric-patterned carpeting and filigreed woodwork with lacquered finishes reminiscent of the city's old shophouses.

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Crisp Frette sheets and a surfeit of pillows turned out to be the perfect antidote to jet lag, too.

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The true jawdropper, however, was the palatial bathroom, where practically every surface seemed to be tiled in burnished marble, including stylish black-and-white floors and deep-veined Arabescato-clad walls.

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Dual hammered copper sinks, a central vanity, an inviting freestanding soaking tub and an enormous walk-in shower with twin overhead and handheld showerheads (and also stocked with cedarwood-jasmine Votary products) made it feel like my own private spa.

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Rosewood Hong Kong restaurants and bars

The Rosewood Hong Kong is a dining destination unto itself, with 11 bars, cafes and restaurants. You could spend a week here just eating and drinking your way through all the venues.

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Down on the ground floor, the all-day Holt's Cafe is a nod, albeit an extremely glammed-up one, to Hong Kong's classic Cha Chaan Teng diners and is where most guests take breakfast.

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If you need a break from Asian cuisine, BluHouse is a trattoria-style eatery on the opposite side of reception and serves fresh-made pastas like rigatoni alla carbonara, bubbly-crusted pizzas and seasonal salads. Be sure to try the refreshing watermelon juice.

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Next door, guests can peruse the pastries, perfumes and other sundries at Butterfly Patisserie, or settle in for a lavish afternoon tea at the art-filled Butterfly Room.

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Come evening, though, the speakeasy-style DarkSide bar is the place to be thanks to strong cocktails, like the Manhattan-style Churchill with smoky Bruichladdich Classic Laddie scotch whisky, Mancino Rosso vermouth, Cointroy and Sherry, and live jazz under a WonderGlass perpetual-motion hourglass installation.

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The rest of the hotel's dining outlets are up on the fifth floor and include Henry for classic steakhouse fare, the Michelin one-star Legacy House for dim sum and Chinese banquets, Chaat for Michelin one-starred Indian cuisine, XX for drinks in an intimate setting and the bustling Bayfare Social for delectable Spanish fare, including tapas and specialties like Wagyu bone marrow paella.

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Rosewood Hong Kong amenities and service

Set aside a day to spend on the hotel's sixth floor, where you'll find the wellness amenities. There's an expansive gym kitted out with the latest Technogym equipment, and a movement studio where guests can partake in yoga and Pilates classes, among other offerings.

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There's also an open-air 82-foot infinity pool overlooking the harbor and a tony boutique called Beauregards featuring curated high-end fashion items.

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The centerpiece, though, is the Asaya Spa by Guerlain.

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This is Rosewood's signature spa experience, but with a French twist. Guests can pore over the dozens of scents on offer and design their own bespoke treatments, including tailor-made facials formulated for each individual's skin type and needs (starting from $285 for 60 minutes).

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Come well in advance of your treatment, though, to take advantage of the Bathhouse facilities including therapeutic pools, steam rooms and "experience showers" complete with lighting and aroma effects.

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If it falls within your budget, it's worth booking a club-level room with access to the 40th-floor Manor Club. It ranges from $300-$400 extra per night, but you get a dedicated concierge staff plus complimentary daily breakfast (minus the hoi polloi down in Holt's), a simple but delicious afternoon tea service, evening canapes and drinks and more.

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Rosewood Hong Kong accessibility

The hotel has a handful of wheelchair-accessible rooms with wide doorways, lowered peepholes, lowered counters and roll-in showers.

Public areas are all accessible by elevators and ramps. As always, contact the hotel directly to ensure its accessibility features meet your specific requirements.

Rosewood Hong Kong booking details

Rates at the Rosewood Hong Kong start at $820 per night, while the Club Grand Harbour View room I stayed in starts at $1,340 per night.

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The hotel is part of American Express Fine Hotels + Resorts, so if you have the American Express Platinum Card® or The Business Platinum Card® from American Express, you can make a booking through American Express Travel® and receive perks like availability-based upgrades, up to a $100 credit to use on-property during your stay for things like drinks or meals, complimentary daily breakfast for two and guaranteed 4 p.m. late checkout.

ERIC ROSEN/THE POINTS GUY

Both cards offer a biannual up to $300 (up to $600 per calendar year) statement credit for prepaid stays at Amex Fine Hotels + Resorts (and other eligible bookings), so you could save $300 on a reservation at Rosewood Hong Kong if you are able to take advantage of one of these cards' credits.

Checking out

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Crowned the world's best hotel, the Rosewood Hong Kong certainly does not disappoint, thanks to lavish rooms, a world-class spa and its myriad restaurants and bars. While the price point is high, if it falls within your budget, this is certainly the Rosewood to experience since it is the brand's flagship — and a fabulous place to make your home base in Hong Kong.

Related reading:

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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4 free nights 7 ways: TPG staffers share how they would use the Marriott Boundless' welcome offer

With over 9,000 hotels across the globe, Marriott Bonvoy offers no shortage of options if you're a fan of the program.

If you're in the process of planning your next vacation, the Marriott Bonvoy Boundless® Credit Card (see rates and fees) has an offer available that can help get you there: New cardholders can earn three free night awards* after spending $3,000 on purchases in the first three months from account opening. Plus, they'll earn an additional free night award* after spending a total of $4,000 on purchases in the first four months from account opening, and they can earn up to $100 in statement credits (up to $50 biannually) after spending $500 on eligible airline purchases.

Based on TPG's April 2026 valuations, this welcome offer is worth up to $1,600.

If you're looking for ideas for how to use the free nights in this card's welcome offer, here are some trip ideas from our staff at TPG.

*Free night awards are valued at up to 50,000 points each. Certain hotels have resort fees.

A sentimental stay in Santa Fe, New Mexico

I'd love to get back to La Posada de Santa Fe, A Tribute Portfolio Resort & Spa, where I got married in 2022.

La Posada de Santa Fe room
LA POSADA DE SANTA FE, A TRIBUTE PORTFOLIO RESORT & SPA/FACEBOOK

It's just steps away from Santa Fe's top sights, shops and restaurants. I've never visited New Mexico in October, but it's supposed to be beautiful that time of year.

There are several nights available for less than 50,000 points or close enough to the threshold that I could use points to top up the free night awards.

— Carly Helfand, director of content strategy

Cash prices for a four-night stay start at about $1,200.

Related: 11 of the best last-minute summer getaways

A repeat visit to the Maldives

I'd use it for four nights at Le Meridien Maldives Resort & Spa, which offers award nights for around 50,000 points per night during select seasons (such as this September).

Marriott Le Meridien Maldives
Le Meridien Maldives Resort & Spa. KATIE GENTER/THE POINTS GUY

Four nights is long enough to enjoy the resort — or you could perhaps redeem points for an additional night (and use the stay for five, pay for four perk) to extend your trip.

— Katie Genter, lead points and miles writer

Cash prices for a four-night stay start at about $1,100.

Related: 34 Maldives resorts you can book with points and miles

A vacation in Valencia, Spain

I'd stay at the Grand Hotel Centenari, Valencia, Autograph Collection. It's the city's first Autograph Collection property, opening its doors just last year.

The Centenari is a boutique hotel with fewer than 60 rooms and is situated within the historic Telefonica building. The photos show a blend of 1920s art deco design and contemporary luxury finishes.

Valencia Spain city view
City Hall Square in Valencia, Spain. QUERBEET/GETTY IMAGES

Many nights can be found for around 40,000 points, most likely because it is a relatively new and unknown hotel. However, I think it's still a good use for each 50,000-point free night award — especially to experience the new hotel before it's truly "discovered."

— Matt Moffitt, contributing editor for credit cards

Cash prices for a four-night stay start at about $1,500.

Related: Timeless luxury in a historic and prime location: A review of Barcelona's Cotton House Hotel

A bucket list trip to Prague

The Czech Republic is on my travel list, so I'd use my five free night awards at the Sir Prague hotel. The Sir Prague is in a 19th-century building fashioned in a Gothic style, giving it a layer of charm and historic appeal that many hotels lack.

View of Prague's Old Town
WESTEND61/GETTY IMAGES

While some award nights can climb as high as 80,000 points, there are plenty of nights available for around 50,000 points.

Multinight hotel stays in major cities can get very expensive, so without these four free night awards, this city might stay on my bucket list forever.

— Olivia Mittak, credit cards editor

Cash prices for a four-night stay start at about $900.

Related: Inside Fairmont Golden Prague, a revived brutalist beauty

An outdoorsy retreat in Sedona, Arizona

I would use the points to book a five-night stay at the Element by Marriott Sedona, located just minutes away from some of Arizona's most iconic red-rock trails. The hotel typically prices around 50,000 points per night, so I'd aim to use the full four-night bonus for a desert vacation.

Redrock mountains in Sedona
Red-rock mountains in Sedona. DOUGBERRY/GETTY IMAGES

Sedona has been on my list for years, and since hotels can book up quickly, especially during peak season, I'd use the points to lock in a well-located stay without paying out of pocket.

— Stephanie Stevens, credit cards writer

Cash prices for a four-night stay start at about $600.

Related: 8 best road trips for visiting national parks

A return to Hong Kong

I've been looking to go back to Hong Kong, and there are plenty of Marriott Bonvoy properties at various price points. But, a good place to use an up to 50,000-point award on many dates is the Renaissance Hong Kong Harbour View Hotel since it often offers award rates at or slightly above 50,000 points per night.

Hong Kong. KARL HENDON/GETTY IMAGES

The hotel, including some rooms and the executive lounge, has those iconic panoramic Victoria Harbour views that are a must for many Hong Kong visitors.

— Katie Genter, lead points and miles writer

Cash prices for a four-night stay start at about $750.

Related: Cathay Pacific makes grand return to Seattle as it rebuilds US network

A trip close to home

I would use four 50,000-point free night awards at the Residence Inn by Marriott Bend in Oregon. It's a newer Residence Inn, and it's right across the street from the Old Mill District, which includes the Hayden Holmes Amphitheater, an amazing concert venue that's right on the river.

Aerial establishing shot of Bend, Oregon, on a hot and sunny day in summer. Scores of people are tubing, paddleboarding, kayaking and surfung in the water of the Deschutes River, especially around the Whitewater Park, a set of artificial rapids and waves.
The Deschutes River near Bend, Oregon. HALBERGMAN/GETTY IMAGES

I feel like four days is a perfect amount of time to spend in Bend. You can drive the Cascade Lake Scenic Byway, go boating or canoeing at the lakes or do a day trip to Crater Lake. July is one of the best times to be there, and that's when the rates are around 50,000 points per night.

— Carly Helfand, director of content strategy

Cash prices for a four-night stay start at about $700.

Related: Mountains, desert and waterfalls: A points-fueled autumn road trip through Oregon's natural wonders

Bottom line

The limited-time welcome offer on the Bonvoy Boundless can really jump-start your next staycation or vacation. With up to four free night awards valued at up to 50,000 points each (certain hotels have resort fees), there are options to suit every traveler.

Let this guide serve as inspiration for how you can use your free night awards. While this isn't a complete list, it can give you a great starting point.

To learn more, check out our full review of the Marriott Bonvoy Boundless Credit Card.


Apply here: Marriott Bonvoy Boundless Credit Card


Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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Capital One Venture X Business vs. Chase Sapphire Reserve for Business: Affordable luxury vs. ultrapremium

It's worth reserving a spot in your wallet for a premium business card (or two).

The right option can provide lounge access, a great welcome bonus, useful statement credits and strong protections. The wrong choice, however, can leave your bottom line needlessly burdened by an annual fee you aren't getting any value out of.

With the $795 Chase Sapphire Reserve for Business℠ (see rates and fees) being one of the most expensive business cards from any of the major issuers, it's reasonable to wonder if the much-cheaper $395 Capital One Venture X Business is a better fit for your wallet.

Both of these cards provide statement credits, lounge access and solid earning rates to help entice prospective cardholders and keep existing ones.

The Venture X Business offers a greater degree of simplicity with its benefits, while the Sapphire for Business is a great fit for business owners who like fine-tuning their finances.

Let's get down to the nitty-gritty of these cards so you can decide which is best for you.

Capital One Venture X Business vs. Chase Sapphire Reserve for Business comparison

Card

Capital One Venture X Business

Chase Sapphire Reserve for Business

<strong>Annual fee</strong> $395 $795
<strong>Earning rates</strong> <ul> <li>10 miles per dollar spent on hotels and rental cars booked through Capital One Business Travel</li> <li>5 miles per dollar spent on flights and vacation rentals booked through Capital One Business Travel</li> <li>2 miles per dollar spent on all other purchases</li> </ul> <ul> <li>8 points per dollar spent on all Chase Travel℠ purchases</li> <li>5 points per dollar spent on Lyft (through Sept. 30, 2027)</li> <li>4 points per dollar spent on flights and hotels booked directly</li> <li>3 points per dollar spent on social media and search engine advertising</li> <li>1 point per dollar spent on all other purchases</li> </ul>
<strong>Welcome bonus</strong> Earn 150,000 bonus miles after spending $30,000 on purchases within the first three months from account opening. Earn 150,000 bonus points after spending $20,000 on purchases within the first three months from account opening.
<strong>Key benefits</strong> <ul> <li>$300 annual Capital One Business Travel credit</li> <li>10,000-mile anniversary bonus</li> <li>Statement credit for Global Entry or TSA PreCheck</li> <li>Cellphone and ride-hailing protection</li> <li>Purchase protection and extended warranty protection</li> <li>Travel protections</li> </ul> <ul> <li>$500 annual The Edit credit (minimum two-night stay required, up to two $250 statement credits)</li> <li>Statement credit for Global Entry, TSA PreCheck or Nexus</li> <li>$400 ZipRecruiter credit (up to $200 biannually; through Dec. 31, 2027)</li> <li>Flexible $300 travel credit</li> <li>Complimentary DoorDash DashPass membership and up to $25 each month in DoorDash promos (activate by Dec. 31, 2027)</li> <li>Up to $250 statement credit for select hotel bookings through Chase Travel (through Dec. 31)</li> <li>$200 annual Google Workspace credit (through Dec. 31, 2027)</li> <li>$120 annual Lyft credit (up to $10 monthly; through Sept. 30, 2027)</li> <li>$100 Giftcards.com credit (up to $50 biannually; through Oct. 31, 2028)</li> <li>IHG One Rewards Platinum Elite status (through Dec. 31, 2027)</li> <li>Cellphone, return and purchase protection</li> <li>Extended warranty protection</li> <li>Travel protections</li> <li>Additional benefits after spending $120,000 on the card in a calendar year</li> </ul>
<strong>Lounge access</strong> <ul> <li>Capital One lounges</li> <li>Priority Pass Select membership</li> </ul> <ul> <li>Chase Sapphire lounge access</li> <li>Priority Pass Select membership</li> </ul>

Capital One Venture X Business vs. Chase Sapphire Reserve for Business welcome offer

With the Venture X Business, new cardholders can earn 150,000 bonus miles after spending $30,000 on purchases within the first three months from account opening.

According to TPG's April 2026 valuations, that's $2,775 in value when those miles are transferred to partners.

THE POINTS GUY

The Sapphire Reserve for Business offers new cardholders 150,000 bonus points after spending $20,000 on purchases within the first three months from account opening.

According to TPG's April 2026 valuations, 150,000 Chase Ultimate Rewards points are worth $3,075.

Note that Chase's eligibility requirements for the welcome bonuses on its consumer Sapphire cards don't apply to the Sapphire Reserve for Business. So, even if you already have one or both of the consumer Sapphire cards, you can earn the welcome bonus on this card.

Winner: Sapphire Reserve for Business. It earns the same amount of points with a lower spending requirement.

Capital One Venture X Business vs. Chase Sapphire Reserve for Business benefits

Here's where things really start to get interesting between these two cards.

With its $395 annual fee, the Venture X Business offers fewer benefits than the $795 annual fee Sapphire Reserve for Business. However, those benefits are simpler to track and suited to a wider range of businesses.

Businessman entering a hotel
CAPITAL ONE

Statement credits

The Venture X Business only offers two notable statement credits: A Global Entry/TSA PreCheck credit and an annual $300 Capital One Business Travel credit.

The Sapphire Reserve for Business asks cardholders to break out the spreadsheet to keep track of all its credits:

  • $300 travel credit: This credit is identical to the Chase Sapphire Reserve®'s (see rates and fees) beloved travel credit. It can be used for a wide range of purchases, not just those booked through Chase Travel.
  • $500 annual The Edit credit (minimum two-night stay required, up to two $250 statement credits): The Edit is Chase's luxury hotel collection. In addition to this statement credit, cardholders will get a $100 on-property credit, early check-in, late checkout and more.
  • One up to $250 statement credit for eligible Chase Travel hotel bookings: Through Dec. 31 at eligible properties
  • $120 statement credit for Global Entry, TSA PreCheck or Nexus: I always advise going for Global Entry since it includes TSA PreCheck, so I don't knock the Venture X Business here for not covering Nexus with its credit.
  • Complimentary DoorDash DashPass membership and up to $25 each month in DoorDash promos (activate by Dec. 31, 2027)
  • Up to $200 annual Google Workspace credit (ends Dec. 31, 2027)
  • Up to $400 ZipRecruiter credit (up to $200 biannually; ends Dec. 31, 2027)
  • Up to $120 annual Lyft credit (up to $10 monthly; ends Sept. 30, 2027)
  • Up to $100 Giftcards.com credit (up to $50 biannually; ends Oct. 31, 2028)

If your business uses these merchants already, then the Sapphire Reserve for Business is likely a better fit for you than the Venture X Business.

However, businesses that don't gravitate toward these merchants will struggle to get positive value out of the Sapphire Reserve for Business's annual fee.

While the Reserve for Business's $300 travel credit is much more flexible than the Venture X Business's $300 Capital One Business Travel credit, the Venture X Business's credit does a lot more to knock down its annual fee versus the Reserve for Business's.

Speaking of knocking down annual fees, the Reserve for Business's perks total $3,000 in value. That means businesses that can take advantage of them will recoup almost four times the value back from their card's annual fee each year.

Related: Monthly checklist: Credit card perks and benefits you should be using this month

Lounge access

Lounge access is a coveted benefit for premium cardholders.

The Reserve for Business and the Venture X Business both satisfy here, with each card providing a Priority Pass Select membership and access to its issuer's network of lounges.

Capital One's lounge network is smaller than Chase's lounges at the moment, but your preference will come down to which airports you fly through most often.

Outside of JFK Capital One lounge
ZACH GRIFF/THE POINTS GUY

You can bring two guests into Sapphire lounges for free with your Reserve for Business, but the Venture X Business doesn't offer this perk unless you spend $75,000 in a calendar year.

Other benefits

The Venture X Business doesn't provide hotel status, while the Sapphire Reserve for Business grants cardholders complimentary IHG One Rewards Platinum Elite status (through Dec. 31, 2027).

If you spend at least $120,000 on your card in a year, you'll be upgraded to IHG One Rewards Diamond Elite status.

The same $120,000 in spending will also get you a $500 The Shops at Chase credit, a $500 credit for Southwest Airlines flights booked through Chase Travel and Southwest Rapid Rewards A-List status.

Business travel - A beautiful asian female professional on business trip checking into the hotel
MATTHEW NG/GETTY IMAGES

Even though Venture X Business cardholders don't receive any special benefits for spending a certain amount, I don't consider this a win for the Reserve for Business. These extra perks are lacking for the exorbitant spending requirement.

One of my favorite benefits of the Venture X Business is something the Reserve for Business can't match: a 10,000-mile anniversary bonus. You'll receive this regardless of how much you spent the previous year. According to TPG's April 2026 valuations, those 10,000 miles are worth $185.

Both cards are fairly aligned in terms of protection. They both offer trip delay insurance, lost baggage insurance, purchase protection, cellphone protection and extended warranty.

The Sapphire Reserve for Business offers a few extra travel protections, such as travel accident insurance and emergency medical and dental coverage, plus return protection.

The Venture X Business offers ride-hailing protection, a rarity on premium cards.

Winner: Tie. Using the Venture X Business's benefits requires less work, but the Sapphire Reserve for Business has more extensive travel protection and many more statement credits.

Related: The 5 easiest travel credits to redeem

Earning rewards with the Capital One Venture X Business vs. Chase Sapphire Reserve for Business

Both cards hit the same categories, but the Sapphire Reserve for Business offers more earning categories beyond what the Venture X Business has.

With the Venture X Business, you'll earn:

  • 10 miles per dollar spent on hotels and rental cars booked through Capital One Business Travel
  • 5 miles per dollar spent on flights and vacatio rentals booked through Capital One Business Travel
  • 2 miles per dollar spent on all other purchases
Woman shopping online and relaxing on the sofa at home
LEOPATRIZI/GETTY IMAGES

On the other side, the Reserve for Business earns:

  • 8 points per dollar spent on all Chase Travel purchases
  • 5 points per dollar spent on Lyft (through Sept. 30, 2027)
  • 4 points per dollar spent on flights and hotels booked directly
  • 3 points per dollar spent on social media and search engine advertising
  • 1 point per dollar spent on all other purchases

Neither of these cards earns significant rewards per dollar spent on office supplies, internet, cable or phone services.

I really appreciate the Reserve for Business's no-limit spending cap for its advertising category, since this is a common barrier issuers (including Chase) often put on their business cards.

For nonbonus spending, the Venture X Business is the clear winner with 2 miles per dollar spent.

If you don't spend a lot in the Reserve for Business's categories, the Venture X Business can still earn you a heap of rewards. That said, most businesses will get a lot of use out of the Reserve for Business's roster of categories.

Winner: Sapphire Reserve for Business. It offers more spending categories, including a rare uncapped advertising category.

Related: Maximizing credit cards to become points-rich without spending a ton

Redeeming rewards with the Venture X Business vs. Chase Sapphire Reserve for Business

Here at TPG, we preach about prioritizing transfer partners over any other redemption method. That rings true here as well.

If transfer partners aren't your style, you have other options. With the Venture X Business, you can redeem your miles for:

  • Booking travel through Capital One Business Travel
  • Covering recent travel purchases
  • Gift cards
  • Amazon and PayPal purchases
  • A statement credit or check
Young man shopping online
IZUSEK/GETTY IMAGES

Meanwhile, Sapphire Reserve for Business cardholders can redeem their points for the following:

  • Chase Travel bookings
  • Gift cards
  • Amazon purchases
  • Apple purchases
  • Statement credits

Generally, these options will yield a lower redemption value than TPG's target value for these rewards currencies.

The only exception is when you make eligible bookings through Chase Travel using Chase's Points Boost feature.

With the Sapphire Reserve for Business, your points could be worth as much as 2 cents per point, depending on the booking you're making. That's close to TPG's April 2026 valuation of Chase points at 2.05 cents per point.

Winner: Sapphire Reserve for Business. Points Boost offers the chance to get more value out of your rewards than any other redemption option, aside from transferring your rewards to partners.

Transferring rewards with the Capital One Venture X Business vs. Chase Sapphire Reserve for Business

The transfer partner battle mainly comes down to which issuer offers the partners you prefer to redeem with.

For example, if you primarily fly domestically, you'll want to look for an issuer that partners with the most domestic airlines.

Capital One currently offers the following transfer partners:

Air Canada Boeing 777 taking off from Vancouver International Airport
Air Canada Boeing 777 taking off from Vancouver International Airport (YVR) during sunset. ALVIN MAN/GETTY IMAGES

Of these transfer partners, Chase lacks most of them. Chase and Capital One only share Air Canada Aeroplan, Air France-KLM Flying Blue, British Airways Club, JetBlue TrueBlue, Singapore KrisFlyer and Wyndham Rewards between them.

In exchange for what they don't have, Chase offers:

As a major United Airlines and Hyatt fan, I'm partial to Chase's transfer partner roster. But this choice is highly subjective, so make sure to carefully consider which partners your business can easily use.

We generally recommend transferring your points or miles to partners to get the most value out of your redemption.

TPG credit cards writer Augusta Stone likes to redeem Capital One miles for short-haul domestic flights, such as when she used 15,000 Capital One miles through Air France-KLM Flying Blue to book two one-way Delta Air Lines flights between Greenville-Spartanburg International Airport (GSP) and Detroit Metropolitan Wayne County Airport (DTW).

TPG managing editor for credit cards Giselle Gomez scored seven nights at the Lindner Hotel Vienna Am Belvedere during peak summer (June) by transferring 56,000 Ultimate Rewards points to Hyatt. This would have otherwise cost her close to $1,300.

Winner: Tie. Both cards offer transfer partners that the other doesn't, so the ultimate choice comes down to personal preference.

Should I get the Capital One Venture X Business or Chase Sapphire Reserve for Business?

Although the Sapphire Reserve for Business wins in most of these categories, I recommend going with the Venture X Business if you don't regularly spend with the merchants covered by the Reserve for Business's credits.

If you spend heavily on advertising or with the merchants covered by the Reserve for Business's benefits, that card is the right choice for you.

Related: Venture X Business vs. Amex Business Platinum vs. Sapphire Reserve for Business: Three-way card showdown

Bottom line

The Venture X Business and the Sapphire Reserve for Business are two great options for businesses looking for a premium card.

Each has its own pros and cons, so it's important to carefully weigh them before deciding.

If your business has the budget for two annual fees, it may even be worth opening both of these cards. I always advocate for dipping into multiple rewards ecosystems, so you have access to the widest range of transfer partners.

Regardless of the path you choose, these two cards can unlock incredible travel experiences and business savings for you and your employees.

To learn more, check out our full reviews of the Venture X Business and the Sapphire Reserve for Business.


Learn more: Capital One Venture X Business
Apply here: Chase Sapphire Reserve for Business


For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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A guide to lounge access with the Amex Platinum and Business Platinum

Many of the best travel cards confer valuable benefits. For example, some cards provide hotel elite status while others offer travel statement credits.

The American Express Platinum Card® and The Business Platinum Card® from American Express offer perhaps the most comprehensive benefits of any premium travel rewards cards.

A key benefit is access to Amex Centurion Lounges for eligible cardholders. What many Platinum Card and Business Platinum cardmembers don't realize, however, is that Centurion Lounges are just one type of lounge eligible cardmembers can visit within the broader American Express Global Lounge Collection.

Let's go through all the types of airport lounges that are part of the American Express Global Lounge Collection.

Which lounges can I access with the Amex Platinum Card and Business Platinum Card?

In addition to Centurion Lounges, both the Amex Platinum and the Amex Business Platinum provide members with access to Delta Sky Club lounges (limited to 10 annual visits unless a spending requirement is met) and Priority Pass Select lounges. (Enrollment is required.)

American Express Centurion Lounge in Seattle
American Express Centurion Lounge in Seattle. ZACH GRIFF/THE POINTS GUY

But that's just a portion of the lounges cardmembers can access. Other lounges around the world include:

  • Aspire Lounges
  • Escape Lounges
  • Plaza Premium lounges
  • Select Lufthansa lounges (access will be discontinued as of Oct. 1, 2026)
  • Other Global Lounge Collection partner lounges

Using the Global Lounge Collection website, you can find participating airport lounges during your travels. American Express states that you'll have access to more than 1,550 airport lounges across 140 countries.

As a cardmember of either the personal or business Platinum card, including authorized users with additional Platinum cards but not authorized users with companion Platinum cards, you'll get access to most eligible lounge networks by showing your eligible card and government-issued identification, plus a valid boarding pass.

However, each lounge network has different access requirements and guest policies, so let's look at each.

Related: How to maximize benefits with the Amex Platinum Card

American Express Centurion Lounges

Centurion Lounges are the most exclusive lounges available to Platinum Card and Business Platinum Card members. They offer a staffed bar, meals, ample nonalcoholic drinks, high-speed Wi-Fi and various seating options.

American Express Centurion Lounge in San Francisco
American Express Centurion Lounge in San Francisco. ZACH GRIFF/THE POINTS GUY

Some Centurion Lounges also provide complimentary amenities like family rooms.

Centurion Lounge locations in the US

There are currently 16 Centurion Lounges open in the U.S.:

Amex also plans to open Centurion Lounges at Newark Liberty International Airport (EWR) in 2026 and Boston Logan International Airport (BOS) in 2029.

The issuer recently debuted a new dining concept called "Sidecar by Centurion Lounge" in Las Vegas in 2026, offering a quicker, more intimate dining experience to those with a flight departing within 90 minutes. American Express plans to expand the concept with another location at Charlotte Douglas International Airport (CLT) in 2027.

American Express Centurion Lounge Culinary Collective SIDECAR
AMERICAN EXPRESS

This is similar to Capital One's Landing concept, and will offer free Wi-Fi and restrooms within the facility.

Centurion Lounge locations abroad

There are currently 15 Centurion Lounges open abroad, located at 11 airports:

  • Stockholm Arlanda Airport (ARN)
  • Chhatrapati Shivaji Maharaj International Airport (BOM) in Mumbai, India
  • Delhi Indira Gandhi International Airport (DEL) in New Delhi
  • Ezeiza International Airport (EZE) in Buenos Aires, Argentina
  • Hong Kong International Airport (HKG)
  • Tokyo Haneda Airport (HND)
  • Heathrow Airport (LHR) in London
  • Melbourne Airport (MEL) in Australia
  • Mexico City International Airport (MEX) (four locations; one of them temporarily closed)
  • Monterrey International Airport (MTY) in Mexico (two locations)
  • Sydney Airport (SYD)

Amex plans to open a Centurion Lounge at Amsterdam Airport Schiphol (AMS) in 2026.

Access policy for Centurion Lounges

Platinum Card and Business Platinum Card members may only access the Centurion Lounge within three hours of their flight's scheduled departure. Access upon arrival isn't allowed unless you have a layover or connecting flight, in which case the three-hour rule doesn't apply.

However, access policies may vary from country to country in international locations.

American Express Centurion Lounge in Seattle
Check-in desk at the American Express Centurion Lounge in Seattle. ZACH GRIFF/THE POINTS GUY

To gain access, you'll need to provide a same-day, confirmed boarding pass, your eligible Amex card, and your government-issued identification.

For U.S. Centurion Lounges, it's a good idea to check into a lounge when you're 10 minutes or less away from the entrance. If there is no wait, you'll get a QR code to expedite your entry; if there is a queue, you'll be placed on a waitlist.

Note that Amex's Centurion Lounge access policy will change on July 8.


The Business Platinum Card® from American Express — Find out your offer and see if you're eligible for as high as 300,000 bonus points after spending $20,000 on purchases in the first three months of card membership. Welcome offers vary, and you may not be eligible for an offer.


Guest policy for Centurion Lounges

U.S. Platinum Card and Business Platinum Card members must pay $50 per guest age 18 or older and $30 per guest age two through 17 (guests under two years of age are complimentary with proof of age).

However, U.S. Platinum Card and Business Platinum Card members can qualify for complimentary guest access for up to two guests per visit after spending $75,000 on eligible purchases with their card within a calendar year.

In that case, you'll get complimentary guest access for up to two guests per visit for the remainder of the calendar year, the following calendar year and until Jan. 31 of the next calendar year. So, if you earn complimentary guest access in 2026, it would be valid through Jan. 31, 2028.

Note, though, that guest policies may vary from country to country in international locations.

Access to other lounge networks

Centurion Lounges are great, but many airports don't have a Centurion Lounge.

So, most of the lounges you can visit with an Amex Platinum Card or Amex Business Platinum Card are in other lounge networks. You can use the lounge search function on Amex's website here to see the current operating hours and locations for lounges.

Delta Sky Club lounges

Amex Platinum Card and Business Platinum Card members get access to Delta Sky Club lounges when flying on a Delta-operated flight or a Delta-marketed flight operated by WestJet. (You cannot access Sky Clubs on a basic economy ticket or an equivalent ticket with Delta or a partner airline.)

To find eligible lounges, head to Delta's website and select "Platinum Card and Centurion Members From American Express" as your membership type.

You can only access Delta Sky Club lounges up to three hours before the scheduled departure of a same-day Delta-operated flight or during a connection between two Delta-operated flights on the same ticket.

To gain access, show your Platinum Card or Business Platinum Card, your government-issued identification and your same-day boarding pass.

Delta Sky Club Newark
A Delta Sky Club in Newark. ZACH GRIFF/THE POINTS GUY

Delta grants Amex Platinum Card and Business Platinum Card members up to 10 Sky Club visits per program year; authorized users with additional Platinum cards get their own 10-visit allotment each program year. The program year is defined as Feb. 1 through Jan. 31 of the following year.

Here is a tool to track your annual Delta Sky Club visits.

After you have used all 10 visits, additional visits to a Delta Sky Club can be bought for $50 per visit, or $25 per visit for Delta Sky Club 'Grab and Go' locations. Delta's Sky Club terms and conditions state:

A visit is an entry to one or more Delta Sky Clubs or usage of the Delta Sky Club "Grab and Go" feature, at one or more airports, for a period of up to 24 hours starting upon the first Delta Sky Club entry or Grab and Go usage.

A single visit permits usage of Delta Sky Club(s) in multiple airports during the 24-hour period. For example, if you visit a Delta Sky Club in different airports on a trip, entry into one or more of these Clubs will be considered part of the same visit as long as these additional entries occur within 24 hours of the first Delta Sky Club entry.

Luckily, cardmembers with connecting itineraries or a brief layover during the same day won't have to worry about whether it's worth it to enter a Sky Club and burn a visit if they have already entered a Sky Club prior to their departure.

However, if you spend $75,000 or more on your Amex Platinum Card or Business Platinum Card during a calendar year (January through December), you can unlock unlimited Sky Club access through the end of the next program year (February through January).

Amex Platinum Card and Business Platinum Card members don't get any complimentary guests at Delta Sky Clubs, but they can purchase guest access for up to two traveling companions (or their spouse or domestic partner and children under 21) on a per-visit basis at $50 per guest or $25 per guest for Delta Sky Club's 'Grab and Go'.

Priority Pass Select lounges

Platinum Card and Business Platinum Card members are entitled to complimentary membership in Priority Pass Select. This membership provides access to more than 1,800 lounges worldwide but doesn't include Priority Pass restaurants.

The quality of each Priority Pass lounge varies, but there are some excellent ones. (Enrollment is required.)

the seating area at an airport lounge
The Turkish Airlines Lounge in Miami is part of Priority Pass. ZACH GRIFF/THE POINTS GUY

To gain access, you must enroll in Priority Pass Select on Amex's website or by calling Platinum Travel Services.

Then, once your Priority Pass card arrives in the mail, hand it, your government-issued identification and your same-day boarding pass to the front desk attendant at Priority Pass lounges to gain access. Note that some lounges have limited hours for Priority Pass guests.

If the lounge accepts guests, you can bring up to two guests each visit; if you have more than two guests, the lounge will charge you $35 per guest.

Related: 9 domestic lounges that are worth going out of your way for

Escape Lounges — The Centurion Studio Partner

You can access U.S. Escape Lounges by showing your eligible Amex card, your government-issued identification and a confirmed same-day boarding pass. You may bring two guests with you for no additional cost, but any other guests must purchase a day pass.

Escape Lounge American Express Centurion Studio Fort Lauderdale
Escape Lounge — The Centurion Studio Partner in Fort Lauderdale. ZACH GRIFF/THE POINTS GUY

Escape Lounges are available in the United States, Australia and the United Kingdom.

Plaza Premium lounges

With your Platinum Card or Business Platinum Card, you can access a selection of Plaza Premium lounge locations worldwide. (You can also access some Plaza Premium lounges through Priority Pass.)

Plaza Premium Lounge Orlando
Plaza Premium Lounge in Orlando. TARAH CHIEFFI/THE POINTS GUY

You must show your eligible Amex card, your government-issued identification and a confirmed same-day boarding pass to enter. You may enter with up to two guests for no additional cost. Other guests can purchase a day pass, but the cost of a day pass will vary by location.

Lufthansa lounges

Note: Access to Lufthansa lounges will be discontinued effective Oct. 1, 2026.

Amex Platinum Card and Business Platinum Card members can access select Lufthansa lounges when flying Lufthansa Group airlines (Lufthansa, Swiss and Austrian Airlines; excludes Brussels Airlines). You may visit select Lufthansa Business Lounges regardless of your ticket class, but you can also visit participating Lufthansa Senator Lounges when flying business class on these airlines.

Not all Lufthansa lounges participate, so check Amex's lounge finder page. At participating locations, you must show your eligible Amex card, a government-issued ID and a boarding pass for a same-day Lufthansa Group flight. No guests are included, but some locations may allow guests for a fee.

Additional Global Lounge Collection partner lounges

Platinum Card and Business Platinum Card members also get access to other Global Lounge Collection partner lounges, as indicated by the lounge search function on Amex's website.

To access participating lounges, you must show your Platinum Card or Business Platinum Card, a government-issued ID and a same-day boarding pass for confirmed travel. However, guest access and guest fees will vary. Access is limited to eligible cardmembers.

Related: Is the Amex Platinum worth the annual fee?

Bottom line

The Amex Platinum and the Business Platinum provide access to more lounges than any other cards. It's why both cards routinely sit at the top of TPG's list of best cards for airport lounge access.

But it's not all about quantity; the quality of the lounges accessible with either card is also excellent. For example, we love the locally influenced dishes served at Centurion Lounges and the relaxing spaces in Escape Lounges.

However, we've seen lounge access limits as American Express and airlines look to reduce lounge crowding. You must spend a certain amount each year to get guest privileges to Centurion Lounges and additional visits to Delta Sky Clubs, for example.

To learn more, check out our full reviews of the Amex Platinum and the Amex Business Platinum.


Apply here: American Express Platinum Card

Apply here: The Business Platinum Card from American Express


Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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