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.
  • 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:
16.24% - 20.24%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
16.24% - 20.24%*
Variable

Details, Rates & Fees

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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%
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.

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
brlgoodtimes
Great card for hotel purchases & beyond!
by brlgoodtimes
Helpful to 22 out of 23

I have less than a year's credit history with 100% on-time payments. Not for sure where CK gets their scores but my actual Fico 8 score is 708 and my actual Transunion is 729. 20 year old college student, but I travel a lot and stay in a number of Starwood hotels, so I gave this a shot! I previously had Green Charge card, Gold Delta SkyMiles card, and Everyday AmEx's, but I ridded of my green & Delta cards, so now I still have the Everyday but added the Premier Rewards Gold Card and this SPG. PRG is great because you get 3x points for booking any airline and 2x points on restaurants, gas, and grocery (which is most of my spending!) SPG may seem tricky because there are not tons of Starwood hotels everywhere but SPG is partnered with others so I can receive 2x or 3x points on any Marriott resorts as well. My charge cards have no pre-set limits, but my highest otherwise was my Costco Citi Visa with only $1200, and AmEx approved me for $8,500 for this SPG card. Awesome!

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. 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 January 2017 through June 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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