Review: Fairmont Hotels Credit Card

fairmont-hotels-credit-cardFairmont Hotels & Resorts, in partnership with Chase, offers a credit card that allows you to earn points toward free stays as well as various travel upgrades. Is it worth the $95 annual fee? Our overview / review of the Fairmont credit card is below:

The first thing to note is that the Fairmont credit card is a Visa, meaning you can use it pretty much everywhere — and you can earn points everywhere.

Specifically, you’ll earn points using the following formula:

  • 5 points for every $1 spent on Fairmont hotel stays.
  • 2 points per dollar on airline tickets purchased directly from the airlines, at car rental agencies, and on transit / commuting expenses.
  • 1 point per dollar on all other purchases.

While these points sound good, we have not been able to get any reliable information about how may points you need to actually redeem them for a free night’s stay, which seems like rather important information to know in order to understand the actual value of the points. Hello? Fairmont? How about publishing that info somewhere?

Now, that aside, you might want to look at the Fairmont Hotels Visa purely for the upfront and annual perks you can get, including:

  • 2 complimentary nights for 2 people, plus breakfast, IF you use the card for at $3000 in purchases in the first 3 months you have it.
  • An annual free night IF you make at least $12,000 in purchases with the card over the previous year.

There are also various loyalty reward tiers that you can hit, along with airport lounge rewards, for using the card, but it’s very confusing to sort it all out. This is one of those situations where the convoluted language around “premier” and “gold” and “lounge club” and “president’s club” make it difficult to understand what you are actually getting and which tiers are the best tiers to be in.

The Fairmont Hotels credit card has a $95 annual fee, which is waived for the first year. Is it worth $95? It’s very hard to say given the limited and/or confusing information that Fairmont publishes. If you are a very regular Fairmont visitor, then, yes, the $95 fee will make sense because you’ll no doubt recoup that fee in rewards. Otherwise, we’d suggest looking at more general travel cards on the market.

If you do want to apply for the Fairmont Hotels Visa, you will find an online application here.

See also: Instant Approval Credit Cards, Which is the best credit card?, Fairmont Hotels Credit Card Payment, Login, and Customer Service Information