Starwood Preferred Guest® Credit Card from American Express

Apply by phone: 1-800-297-6700
  • Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Terms Apply.
  • Limited Time Offer- Earn an extra 10,000 bonus Starpoints® after you make an additional $2,000 in purchases within the first 6 months. Offer ends 4/5. 
  • Earn 2 Starpoints® for each dollar of eligible purchases spent on the Card 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. 
  • 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 intro, $95 after first year
Purchase Intro APR:
N/A
Purchase Regular APR:
15.99% - 19.99%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
15.99% - 19.99%*
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 25.99%* Variable
Cash Advance Fee 3%, Min: $5
Late Fee Up to $38
Penalty APR 29.99%
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee None
Return Payment Fee Up to $38

Rewards

Sign-Up Bonus

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

Earn an extra 10,000 points after you spend $2,000 in 6 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
LRB1453
Finally approved- Fantastic rewards.
by LRB1453
Helpful to 24 out of 26

I love this card. I put ALL of my expenses on this card and authorized 4 TRUSTED users to maximize my earnings. I am able go on vacation for three weeks for free! Hotel, flights and car rental covered! The points are quit versatile. You earn an extra 5000 bonus miles when you transfer 20000 starpoints to any airline partner. Most airlines are a 1:1 ratio, except united.  I do not fly with one particular airline so this card is actually more valuable than any airline card. When I want to use points for a car rental. I transfer my starpoints to AAdvange.  I get the 5000 point bonus for the transfer and they have very low redemption options for car rentals

-Approval process was not fun. 

I applied for this card four times. The first time I was denied, I had exactly zero credit history. After some credit education I decided to get a few secure credit cards(only 300 limits) and a car loan. I applied again 6 months later with a 700 credit scored and was denied. Another 4 months went by and I applied again with a 750 score, denied. I decide to get to new cards from discover and CITI bank. they both gave me 2500 limits. A month later my friend sent me a referral so they could get bonus points. I applied through the invitation, INSTANTLY approved, only 1k limit with a 701 score. Not sure if it was because other companies gave me higher limits than I had or because i applied though a referral email. I be more than happy to send anyone an referral if you think it might help with the approval. I’d get some extra points and you get a better chance of approval. Also 90 days later they did increased my limit up to 3k. I wish they'd bump it up higher. I added four family members to the account to maximize earnings. We put all possible expenses on the card so they have to pay me every week to prevent the account from being maxed out. Points add up quick and I get to go on vacation for free!

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. New cardholders can also earn up to 25,000 bonus points after spending $3,000 within the first 3 months of membership. And for a limited time, earn an extra 10,000 bonus Starpoints® after you make an additional $2,000 in purchases within the first 6 months. Offer ends 4/5. 

Rewards points are redeemable toward flights on more than 1,300 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

† 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 September 2016 through February 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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