For example, if I book a hotel through FHR with card A, and because I ate at the Chinese restaurant there, I end up needing to pay an extra 300 USD at check-out—if I use another Amex to pay, will that still trigger the FHR reimbursement?
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甜蜜艿昔1 month ago
夏之沫1 month ago
If only part of the amount is charged to another card at check-out while the rest stays on the original card, does that count as a split payment?
活动的木乃伊1 month ago
I'd hold off on splitting just yet. Call Amex FHR customer service or the hotel front desk to confirm whether this additional charge counts as a qualifying purchase and whether the original booking still meets the reimbursement requirements after switching cards. If they say it's fine over the phone, it's best to keep a record or get email confirmation so there's no discrepancy later.
xiexinyu1 month ago
Look at it from a different angle: that $300 is essentially a hotel dining charge, not room cost. FHR reimbursement applies to accommodation expenses booked through the FHR channel, and dining typically doesn't count. So the issue may not be whether to split it or not, but rather that this charge simply isn't eligible for reimbursement in the first place. If you really want to split it, you'd first need to figure out which amounts qualify as eligible spending before deciding how to charge them.
The key question is whether the FHR credit is triggered by the card used at booking or the card actually charged at check-out. Amex's terms typically require the same card to be used for both the booking and the payment of eligible charges, so switching cards at check-out could very well void the credit. And if that extra $300 was for dining charged to the room, it may not even count as an eligible FHR charge—so even with the right card, it might not be reimbursed.