Starwood Preferred Guest® Credit Card from American Express Reviews

Approval Odds

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4.0 out of 5 stars
5 Reviews

From Cardholders in the last year

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Application Process

4.5 out of 5 stars

Customer Service

4 out of 5 stars

4 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR 15.99% - 19.99%* Variable
  • Annual Fee $0 intro, $95 after first year
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 15.99% - 19.99%* Variable

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.


These reviews were written by current and former cardholders in the last year.

May 08, 2017
Great Rewards.
BBerryAddict Cardholder

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.

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May 23, 2017

What does their credit limit range?

Feb 07, 2017
Great card for hotel purchases & beyond!
brlgoodtimes Cardholder

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!

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Oct 01, 2016
Anonymous Cardholder

Great rewards for an entry level Amex card. Rewards end up coming out to about $0.03 per dollar spent aka 3% if used wisely. The 25k points after spending $3k is definitely an extra bonus.

I was accepted with a high 600's score and received a $1000 limit. After two months I requested an increase which went to $2,500.

Now planning to use my 31,000 points for an upcoming vacation to NYC booking rooms that charge $450-500 a night, but only require 12,000 points.

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Jun 24, 2016
Anonymous Cardholder

Approved with a 680 1k cc limit but I'll take it to build on. 

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Jun 15, 2016
Good card, horrible customer service.

I had to write a review on this card, as I've owned many credit cards and this is by far the worst credit card I have ever had. The customer service can't help with anything, and over the last week I have been led on a wild goose chase as to how to get my card working (I haven't been able to use it in 2 weeks). 

I am not sure how, but in the process of setting the card up, the bank information was entered incorrectly, this may have been my fault. Either way, I made a payment of 175.00 after using the card for a couple weeks. So, the payment was returned for insufficient funds because the bank it was using was not real obviously. So I called customer service, I had heard that American Express customer service was good, little did I know this would be the beginning of an endless exchange of people telling me different things to do, and nothing actually happening.

The first lady I talked to said that everything would be okay, the payment would be returned as insufficient funds, and I would be able to use my card again. So I go about my life, using cash for a bit and figured I would wait a couple days and my card should be fine. In the meantime I made a payment of 650.00 from my actual bank. So after a week, my card still doesn't work. I decided to try the live chat this time. I spoke with a representative, and the first thing she did was inform me that I had a returned payment for insufficient funds.Good to know. So I asked why my card wasn't working. She said, very clearly, the following:

I need to call American Express, and cancel the payment verbally.

Okay, so I called them, after going through 5 minutes of annoying phone button pressing (at least it wasn't more, I'll give them that, I have sat on the phone for longer before with those stupid button things), I finally get a human being on the phone. So I ask whats going on, why I can't use my card. 

She says that the payment has to be declined 3 times, and there is no way to verbally cancel. Funny because the customer service told me to call and verbally cancel the unreal payment. I told her that, she said something like "Oh, you were probably talking to customer service." Huh? I hate when companies divide up their departments, as a way of switching you back and forth between departments, so they never have to help you. She even said that in a tone like, 'customer service doens't know what they're doing'. Great. 

So I can't cancel the payment verbally, I have to wait for 3 declines, and still I have no idea how to get my card working again, this lady on the phone clearly knows nothing and has no power to do anything except knock her own online customer service and tell me there is nothing she can do. So I am stuck with a credit card I can't pay, I can't cancel, I can't get help with.

And then she tells me there will be 'fees' for returned checks. I didn't send in any checks, but apparently there will be 'fees' for returned checks. Wonderful. Good job American Express. I wonder how much my 'fees' will be. She said "I think they are 27 dollars, or 39". Do I get three of these 'fees'? More? Of course she can't tell me, just that there will be 'fees.' 

What a headache. 

Get this card and enjoy the great benefits and sign up bonus, but if you have a problem, prepare to deal with the least helpful, most annoying, inconsistent, and awful customer service you have ever dealt with.

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Starwood Preferred Guest® Credit Card from American Express