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The Starwood Preferred Guest Credit Card from American Express®

in Personal Credit Cards

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The Starwood Preferred Guest Credit Card from American Express®

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in Personal Credit Cards

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Overview

Who is The Starwood Preferred Guest Credit Card from American Express® Designed For?
The Starwood Preferred Guest Credit Card from American Express® provides excellent value for domestic travelers who visit luxury hotels frequently. It has a generous sign-up bonus and outstanding points. It also has a flexible rewards program that offers a variety of ways to redeem points and allows you to transfer points to other reward programs.  

What are The Starwood Preferred Guest Credit Card from American Express®' Rates?
The rates for purchases and balance transfers for The Starwood Preferred Guest Credit Card from American Express® vary from 16.74% APR to 20.74% APR, depending on the creditworthiness of the cardholder. Cash advances have a rate of 26.74% APR.

What Are the Fees for The Starwood Preferred Guest Credit Card from American Express®?
The Starwood Preferred Guest Credit Card from American Express® has a $95 annual fee, which is waived the first year. There are no foreign transaction fees, which is to be expected from a hotel travel card. Late payments and returned payments incur fees of up to $38. Cardholders who are late on their payments can also be hit with a penalty rate of 29.99% that will apply for a minimum of six months.

What Is The Starwood Preferred Guest Credit Card from American Express®’ Rewards Program Like?
Starpoints, Starwood’s rewards program, allows users to redeem points for free nights at any of Starwood’s hotel brands (St. Regis, The Luxury Collection, W Hotels, Le Méridien, Westin, Sheraton, Aloft, Element Hotels, Four Points by Sheraton and Tribute Portfolio).

Cardholders can also redeem points for free flights on over 150 airlines when booking through SPG Flights (no blackout dates).

Captain Money Tip: If you are going to transfer points from Starpoints to another airline's rewards program, wait till you have 20,000. For every 20k you transfer you receive 5k more as a bonus.

Starwood Preferred Guest gives cardholders 2 Starpoints for every dollar spent at participating SPG hotels and 1 Starpoint for all other purchases. 

What about The Starwood Preferred Guest Credit Card from American Express®’ Signup Bonus?
New card users who spend $1,000 within the first three months will receive a $100 statement credit. Additionally, cardholders can earn another $100 statement credit after their first purchase at a participating SPG or Marriott Rewards hotel within six months of opening the account.  

Does The Starwood Preferred Guest Credit Card from American Express® Have Any Other Benefits?

  • Starwood Preferred Guest offers its users a wide variety of benefits, such as
  • Free in-room premium internet at participating hotels
  • Global assist hotline
  • Return protection
  • Roadside assistance hotline
  • Car rental loss and damage insurance
  • Extended warranty and purchase protection
  • Travel accident insurance

How Is The Starwood Preferred Guest Credit Card from American Express® Better Than Other Credit Cards?
The Starwood Preferred Guest Credit Card from American Express® is one of our favorite hotel travel credit cards. It combines a large signup bonus with 2x points on Starwood hotel purchases and a generous rewards program. Starpoints (SPG’s rewards program) also allows you to redeem points for airline tickets as well as free hotel stays. The annual fee is waived the first year, which gives you the chance to try it before paying the $95 fee.

 

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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Fees
Grace Period for Late Payment (Days)
25
Foreign Currency Transaction Fee
0%
No Annual Fee First Year
 
No Foreign Transaction Fee
 
List of Fees
Late Payment Penalty
$38
Returned Payment Fee
$38
Annual Fee
$95
Minimum Age
18
Credit Score Range
700 - 850
850 300 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type
Personal
Car Rental Insurance
 
Extended Warranty
 
Fraud Liability
 
Travel Insurance
 
Emergency Support
 
Flight Insurance
 
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Bonus Rewards
5x
No Blackout Dates
 
Every Purchase
1x
No Reward Expiration Period
 
Rewards Categories
  • Every Purchase
  • Hotels
Signup Bonus
$100
Percentage
Purchase APR
(Variable APR)
16.74% - 20.74%
    0% 29%
Percentage
Cash Advance APR
(Variable APR)
Starting at
26.74%
Balance Computation
average daily balance (including new purchases)
Penalty APR
29.99%
Percentage
Balance Transfer APR
(Variable APR)
16.74% - 20.74%
    8% 29%

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