The Starwood Preferred Guest Credit Card AMEX is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 05/14/2026
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The Starwood Preferred Guest Credit Card AMEX
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Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
16.74% - 20.74%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
16.74% - 20.74%(Verified 06/21/2024)
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Credit Score Range
700 - 850
Annual Fee
$95
The Starwood Preferred Guest Credit Card AMEX Review
The Starwood Preferred Guest Credit Card AMEX is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a travel 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.
- APRs: The Starwood Preferred Guest Credit Card AMEX has a variable regular purchase APR that ranges from 16.74% up to 20.74%.
- $0 intro annual fee for 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 Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of The Starwood Preferred Guest Credit Card AMEX
| The Good | The Bad |
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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.
| Description |
Does The Starwood Preferred Guest Credit Card AMEX have a signup bonus?
Yes, it offers card users a signup bonus worth up to $100 .
Does The Starwood Preferred Guest Credit Card AMEX offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the The Starwood Preferred Guest Credit Card AMEX benefits?
The Starwood Preferred Guest Credit Card AMEX 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?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.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.Does The Starwood Preferred Guest Credit Card AMEX 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 AMEX 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 AMEX?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $95.
There is a late fee of up to $38 . Does The Starwood Preferred Guest Credit Card AMEX 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 AMEX?
The customer service number for The Starwood Preferred Guest Credit Card AMEX is (800) 528-4800.
What is the support contact email for The Starwood Preferred Guest Credit Card AMEX?
The support contact email for The Starwood Preferred Guest Credit Card AMEX is info@americanexpress.com.
How do people rate the customer service and user experience of The Starwood Preferred Guest Credit Card AMEX?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does The Starwood Preferred Guest Credit Card AMEX report your account activity to credit bureaus?
Yes, The Starwood Preferred Guest Credit Card AMEX reports to the following credit bureaus:
- 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 build your credit.
Does American Express® National Bank perform a hard credit pull?
Yes, The Starwood Preferred Guest Credit Card AMEX performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for The Starwood Preferred Guest Credit Card AMEX
- Visit the website of The Starwood Preferred Guest Credit Card AMEX.
- 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.
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Hours of Operation
Sunday7:00AM - 12:00AMMonday7:00AM - 12:00AMTuesday7:00AM - 12:00AMWednesday7:00AM - 12:00AMThursday7:00AM - 12:00AMFriday7:00AM - 12:00AMSaturday7:00AM - 12:00AM
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Other Credit Cards from American Express® National Bank
Purchase APR
18.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0 - $150
Disclaimer popup with additional information
Purchase APR
20.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$325
Disclaimer popup with additional information
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
20.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$895
Purchase APR
21.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
21.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$150
Rating not yet determined
Purchase APR
20.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$550
Rating not yet determined
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$150
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
18.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$5K
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Learn MoreSuperMoney Net Recommendation Score
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