Starwood Preferred Guest® Credit Card from American Express

Apply by phone: 1-800-297-6700
  • Earn 25,000 Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months. 
  • Earn 2 Starpoints® for each dollar of eligible purchases spent at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases. 
  • No Foreign Transaction Fees on International purchases. 
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates. 
  • $0 introductory annual fee for the first year, then $95. 
  • Planning a road trip? Rent your car, fill up your tank, book your hotel, and pay for it with your American Express® Card.
  • Visit our credit card partner’s site in order to learn more and securely apply for the Starwood Preferred Guest® Credit Card from American Express
  • Terms Apply.
Annual Fee:
$0 intro, $95 after first year
Purchase Intro APR:
N/A
Purchase Regular APR:
16.24% - 20.24%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
16.24% - 20.24%*
Variable

Details, Rates & Fees

Click here for Additional Details

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 26.24%* Variable
Cash Advance Fee 3%, Min: $5
Late Fee Up to $38
Penalty APR 29.99%* Variable
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee None
Return Payment Fee Up to $38

Rewards

Welcome Bonus

Earn 25,000 points after you spend $3,000 in the first 3 months.

All Purchases

1 point per dollar

No cap on spending


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
BBerryAddict
Great Rewards.
by BBerryAddict
Helpful to 24 out of 24

I travel alot this card will come in VERY handy with the Reward Points, 3rd American Express Card. Decided to apply with Credit Karma Very Good Odds, received instant approval, will put card to very good use. Thank you American Express.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Review
BBerryAddict
Great Rewards.
by BBerryAddict
Helpful to 24 out of 24

I travel alot this card will come in VERY handy with the Reward Points, 3rd American Express Card. Decided to apply with Credit Karma Very Good Odds, received instant approval, will put card to very good use. Thank you American Express.


Our Take

If you crave credit card rewards, then the Starwood Preferred Guest® Credit Card from American Express may be the card for you. 

What to Like

New cardholders can also earn up to 25,000 bonus Starpoints® after spending $3,000 on purchases within the first 3 months of membership. Starpoints® are redeemable towards stays at over 1,300 participating hotels and resorts and flights on more than 150 airlines with SPG Flights, with no blackout dates.  

Look Out For 

This card has a $95 annual fee (waived your first year of card membership). If you make a late payment, a penalty APR will be applied to your account and will apply for at least 6 months. 

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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from April 2017 through September 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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