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  The Starwood Preferred Guest Credit Card from American Express®

The Starwood Preferred Guest Credit Card from American Express®

in Personal Credit Cards from American Express Bank

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The Starwood Preferred Guest Credit Card from American Express®

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in Personal Credit Cards from American Express Bank

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Highlights
Highlights
Annual Fee $95
Purchase APR (Variable APR) 16.74% - 20.74%
Balance Transfer APR (Variable APR) 16.74% - 20.74%
Credit Score Range 700 - 850

Overview

Who is The Starwood Preferred Guest Credit Card from American Express® designed for?

What are the relevant APRs for The Starwood Preferred Guest Credit Card from American Express®?

The Starwood Preferred Guest Credit Card from American Express® 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%.

The good news is this card does not charge a penalty APR if you are late on a payment.

Does The Starwood Preferred Guest Credit Card from American Express® have an introductory APR offer?

No, The Starwood Preferred Guest Credit Card from American Express® does not come with an introductory APR offer for balance transfers. The Starwood Preferred Guest Credit Card from American Express® does not offer an introductory rate on new purchases.
The Starwood Preferred Guest Credit Card from American Express® Rates & Terms
Purchase APR 16.74% - 20.74%
Balance Transfer APR 16.74% - 20.74%
Cash Advance APR Starting at 26.74%
Penalty APR 29.99%

What are the The Starwood Preferred Guest Credit Card from American Express® fees?

The following fees apply to The Starwood Preferred Guest Credit Card from American Express®:

  • An annual fee of $95.
  • A late payment penalty of up to $38.
  • A returned payment fee of up to $38.

Does The Starwood Preferred Guest Credit Card from American Express® have a foreign transaction fee?

The Starwood Preferred Guest Credit Card from American Express® does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
The Starwood Preferred Guest Credit Card from American Express® Fees
Fees Amount
Annual Fee $95
Foreign Transaction Fee 0%
Returned Payment Fee $38
Late Payment Fee $38

Is there a The Starwood Preferred Guest Credit Card from American Express® cash back or rewards program?

The Starwood Preferred Guest Credit Card from American Express® offers a rewards program to its customers. This card features rewards for purchases in the following categories:

  • Every Purchase
  • Hotels

Does The Starwood Preferred Guest Credit Card from American Express® have a signup bonus?

Yes, The Starwood Preferred Guest Credit Card from American Express® offers card users a signup bonus worth up to $100 after spending $1000.

Does The Starwood Preferred Guest Credit Card from American Express® offer an annual loyalty bonus?

The Starwood Preferred Guest Credit Card from American Express® doesn't offer a cash loyalty bonus.

What are the The Starwood Preferred Guest Credit Card from American Express® benefits?

The Starwood Preferred Guest Credit Card from American Express® provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
  • No blackout dates when redeeming miles
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

Does The Starwood Preferred Guest Credit Card from American Express® report your account activity to credit bureaus?

The Starwood Preferred Guest Credit Card from American Express® reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for The Starwood Preferred Guest Credit Card from American Express®

  • Visit the American Express Bank .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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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

Grace Period for Late Payment (Days) 25
Foreign Currency Transaction Fee 0%
No Annual Fee First Year  
No Foreign Transaction Fee  
Returned Payment Fee $38
Annual Fee $95
Late Fee Amount $38
Minimum Age 18
Credit Score Range 700 - 850
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
Purchase APR (Variable APR) 16.74% - 20.74%
Cash Advance APR (Variable APR) Starting at 26.74%
Balance Computation average daily balance (including new purchases)
Penalty APR 29.99%
Balance Transfer APR (Variable APR) 16.74% - 20.74%

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