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  The Starwood Preferred Guest Credit Card from American Express®

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The Starwood Preferred Guest Credit Card from American Express®

in Personal Credit Cards from American Express National Bank

Not Currently Available

The Starwood Preferred Guest Credit Card from American Express®

in Personal Credit Cards from American Express National Bank

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

The Starwood Preferred Guest Credit Card from American Express® Review

The Starwood Preferred Guest Credit Card from American Express® is no longer available to new customers on SuperMoney.

Click here to compare Personal Credit Cards and quickly find the best options for your needs.

This is a rewards credit card issued by American Express National Bank. If you're wondering whether The Starwood Preferred Guest Credit Card from American Express® is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Signup bonus. Offers a signup bonus of $100 if you spend $1000.
  • Competitive APRs. The Starwood Preferred Guest Credit Card from American Express® 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 from American Express® 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 from American Express®
The Good The Bad
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere The Starwood Preferred Guest Credit Card from American Express® is accepted.
  • The Starwood Preferred Guest Credit Card from American Express® reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges an annual fee of $95
The Starwood Preferred Guest Credit Card from American Express® FAQ

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

The Starwood Preferred Guest Credit Card from American Express® is a travel rewards card.

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The Starwood Preferred Guest Credit Card from American Express® Rewards
Minimum rewards rate 1x
Max rewards rate 2x
Annual rewards limit N/A
Signup Bonus ($) $100
Signup Bonus Spend Requirement $1000

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

Yes, it 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?

This card doesn't offer a cash loyalty bonus.

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

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.

It 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.

Does The Starwood Preferred Guest Credit Card from American Express® have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does The Starwood Preferred Guest Credit Card from American Express® have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

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

The following fees apply:

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

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

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for The Starwood Preferred Guest Credit Card from American Express®?

The The Starwood Preferred Guest Credit Card from American Express® customer service number is (800) 528-4800.

What is the support contact email for The Starwood Preferred Guest Credit Card from American Express®?

The support contact email for The Starwood Preferred Guest Credit Card from American Express® is info@americanexpress.com.

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

Yes, The Starwood Preferred Guest Credit Card from American Express® 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 from American Express®

  • Visit the The Starwood Preferred Guest Credit Card from American Express® 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday 7:00am - 12:00pm
  • Monday 7:00am - 12:00pm
  • Tuesday 7:00am - 12:00pm
  • Wednesday 7:00am - 12:00pm
  • Thursday 7:00am - 12:00pm
  • Friday 7:00am - 12:00pm
  • Saturday 7:00am - 12:00pm

Other Services by American Express National Bank

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Availability

  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

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Annual Fee First Year
No Interest Grace Period for Late Payment 25 days
Annual Fee $95
Returned Payment Fee $38
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
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
  • Trip Cancellation Insurance
No Reward Expiration Period
No Blackout Dates
Rewards Categories
  • Every Purchase
  • Hotels
Signup Bonus Starting at $100
Cash Advance APR (Variable APR) Starting at 26.74%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 16.74% - 20.74%
Balance Transfer APR (Variable APR) 16.74% - 20.74%
Card Type
  • Bonus Offers
  • Rewards
  • Travel
Card Network American Express

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