The Starwood Preferred Guest Credit Card AMEX

The Starwood Preferred Guest Credit Card AMEX Review

This is a rewards card issued by American Express National Bank. If you're wondering whether The Starwood Preferred Guest Credit Card AMEX is the right card for you, read on.

Key Takeaways

• Signup bonus. Offers a signup bonus of up to $100 if you spend $1000.
• Competitive APRs. The Starwood Preferred Guest Credit Card AMEX has a variable purchase APR that ranges from 16.74% up to 20.74%.
• Annual fee waived the first year. The Starwood Preferred Guest Credit Card AMEX gives you the chance to have the card for a year without paying the $95 annual fee.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of The Starwood Preferred Guest Credit Card AMEX

The Starwood Preferred Guest Credit Card AMEX FAQ

Does The Starwood Preferred Guest Credit Card AMEX have a cash back or rewards program?

The Starwood Preferred Guest Credit Card AMEX is a travel rewards card.

What are the The Starwood Preferred Guest Credit Card AMEX benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Trip Cancellation Insurance
• Zero fraud liability
• Travel Accident Insurance
• No blackout dates when redeeming miles
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for The Starwood Preferred Guest Credit Card AMEX?

The Starwood Preferred Guest Credit Card AMEX has a variable purchase APR that ranges from 16.74% up to 20.74%. The card has a variable balance transfer APR that ranges from 16.74% up to 20.74%. It also has a variable cash advance APR starting at 26.74% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for The Starwood Preferred Guest Credit Card AMEX?

The following fees apply:

Does The Starwood Preferred Guest Credit Card AMEX report your account activity to credit bureaus?

Yes, The Starwood Preferred Guest Credit Card AMEX reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for The Starwood Preferred Guest Credit Card AMEX

• Visit the The Starwood Preferred Guest Credit Card AMEX website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.