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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 National Bank

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The Starwood Preferred Guest Credit Card from American Express®

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

The Starwood Preferred Guest Credit Card from American Express® Review

The Starwood Preferred Guest Credit Card from American Express® 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 is everything you need to know to make a good choice.

  • 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 of 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.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
The Good The Bad
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • The Starwood Preferred Guest Credit Card from American Express® reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • Requires good to excellent credit.
  • Charges an annual fee of up to $95.

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.

The Starwood Preferred Guest Credit Card from American Express® Rewards
Rewards rate (all purchases) 1%
Max rewards rate 2%
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, 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
  • Zero fraud liability
  • Travel Accident Insurance
  • No blackout dates when redeeming miles
  • Travel Assistance
  • ID Theft Protection
  • 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance.

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% . 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 introductory APR offer on balance transfers??

No, The Starwood Preferred Guest Credit Card from American Express® does not come with an introductory APR offer for balance transfers.

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

The Starwood Preferred Guest Credit Card from American Express® does not offer an introductory rate on new purchases.

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®:

The Starwood Preferred Guest Credit Card from American Express® Fees
Fees Amount
Annual Fee up to $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?

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.

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

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

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

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
Card Type
  • Bonus Offers
  • Rewards
  • Travel
Card Network American Express
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Flight Insurance  
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental 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 Reward Expiration Period  
No Blackout Dates  
Rewards Categories
  • Every Purchase
  • Hotels
Signup Bonus $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%

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