Starwood Preferred Guest® Credit Card from American Express

Apply by phone: 1-800-297-6700
  • Get 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Terms and Conditions apply.
  • No Foreign Transaction Fees on international purchases.
  • Receive free in-room, premium internet access. Booking requirements apply.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • Get free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges.
  • $0 introductory annual fee for the first year, then $95.
  • 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
Annual Fee:
$0 introductory annual fee for the first year, then $95
Purchase Intro APR:
N/A
Purchase Regular APR:
15.49% - 19.49%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
15.49% - 19.49%*
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 25.49%
Cash Advance Fee 3%, Min: $5
Late Fee Up to $37
Penalty APR 29.49%
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee None
Return Payment Fee Up to $37

Rewards

Sign-Up Bonus

Earn 25,000 points after you spend $3,000 in 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
Waddy
by Waddy
Helpful to 35 out of 39

 

I really do love having this card and utilizing the SPG points for discounted leisure and business travel!

In fact, my goal is to gain Gold Preferred Status and use this card even more than I do now due to the increase in points accumulated for my daily expenses.  I can see why this card is truly so highly rated for anyone who enjoys to travel and stay in some comfortable hotels for a great deal.  There are many great deals that are always being updated and I honestly give this card a high review.  I wouldn't rate this card so highly unless it was truly worth noting.  Oh and one more thing, AMEX customer service has been good as well and above what I have gotten from my other credit card providers.  Outstanding customer service is becoming more and more rare these days as many have noticed (including myself) and its good to have a card and a company that I have come to depend on.  All in all, I like this card and I really enjoy being an AMEX customer.  BTW, it is quite rare that I post a review, but I felt like it was important, due to some of the surprising negative comments posted on here! I can't understand it because it has been nothing but good for me, all in all. Whenever I have had a question or an issue, a simple phone call is all it has taken to get to a helpful rep to assist me in resolving my issues.  btw, if you compare the benefits with this card and the SPG points configuration, it should become clear to even other leisure/seldom travelers who travel maybe only a few times a year, could greatly offset the cost of the $65 annual fee for this card.  Hopefully this REAL review from an ordinary customer who really does enjoy utilizing this card, will help maybe someone else who might be on the fence in deciding whether or not to check this card out! :) 

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 Negative Review
Anonymous
Charges Foreign transaction fees
by Anonymous
Helpful to 17 out of 21

This card charges foreign transaction fees which add up significantly if you travel outside of the USA.  Even worse, if you stay at a Starwood hotel overseas they often charge in local currency and will not let you charge in dollars which means you pay the transaction fees 1-3% and that offsets any points benefits of this card.


Our Take

If you crave credit card rewards, then the Starwood Preferred Guest® Credit Card from American Express may be the card for you. Cardholders earn 5 points per dollar spent at participating SPG® hotels, and 1 point on all other purchases. New cardholders can also earn up to 25,000 bonus points after spending $3,000 within the first 3 months of membership.

Rewards points are redeemable toward flights on more than 1,200 airlines and hotel stays in nearly 100 countries with no blackout dates, and no limits on the number of points you can earn.

In addition to the great rewards program, this card also offers a $0 introductory annual fee for the first year, along with other great American Express features like 24/7 global emergency assistance and a fraud protection guarantee.

Similar Offers

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‡ 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 March 2016 through August 2016. 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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