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American Express Starwood Preferred Guest Credit Card

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  • Starpoints® bonus: earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership
  • That's enough for a weekend getaway to a Category 4 Hotel like the Westin Savannah Harbor Golf Resort & Spa, or six free nights at a Category 2 Hotel
  • Earn up to 5 Starpoints® for each dollar of eligible purchases at participating SPG hotels and resorts - that’s 2 Starpoints for using the Card in addition to the Starpoints you earn as an SPG member. Earn 1 Starpoint for all other purchases. 
  • Free Hotel Nights: redeem Starpoints at over 1,100 hotels in nearly 100 countries worldwide - with no blackout dates
  • Free Flights: redeem Starpoints on over 350 airlines with SPG Flights - with no blackout dates
  • Get 5,000 bonus Starpoints after you transfer 20,000 Starpoints to a frequent flyer program with more than 30 airlines
  • No limits on the number of Starpoints you can earn
  • $0 introductory annual fee for the first year, then $65
  • Terms and Restrictions apply.

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
N/A 15.24% – 19.24%* Variable $0 intro first year, then $65 N/A
  • Purchase Intro Period: N/A
  • Balance Transfer Intro Rate: N/A
  • Balance Transfer Rate: 15.24% – 19.24%* Variable
  • Cash Advance Rate: 25.24%
  • Late Fee: Up to $35
  • Cash advance Fee: 3%, Min: $5
  • Balance Transfer Fee: 3%, Min: $5
  • Cash Advance Minimum: N/A
  • Balance Transfer Minimum: N/A
  • Credit Profile: Excellent Credit Score

American Express Starwood Preferred Guest Credit Card Review

The Starwood Preferred Guest Credit Card from American Express offers a solid rewards program for the discerning traveler who has the opportunity and the means to stay at Starwood hotels and resorts.  The Starwood Preferred Guest Credit Card provides numerous benefits, including automatic enrollment into the Starwood Preferred Guests Hotel Group program, and redeemable points at all of the participating hotels.  The Starwood Preferred Guest program includes a number of high quality hotels and brands, including the St Regis, The Luxury Collection, W Hotels, Meridien, Westin, Shearton, aloft, element, and Four Points.  

When you're buying these brands the card is doubly effective - you can earn up to 5 points via the American Express Program, and then you get additional points just for being enrolled directly with Starwood Preferred Guests.  This means you can earn 2-7 points on every purchase from any of these brands or establishments - redeemable for free nights at hotels or airfare.  It also puts you on the fast track to Starwood Elite Status, just 20 nights to Starwood Gold or 45 nights to Platinum, which increase the number of points you accrue, automatic upgrade to suites, club and executive privileges as well as a number of other hotel amenities.

Basically, the Starwood Preferred Guests card from American Express offers a way for you to get more Starpoints points very quickly - giving you access to more perks.  The more you use this card to book Hotel Stays at Starwood hotels, the faster you will earn free stays at those hotels.  Plain and simple.  If you like staying at these hotels, and you have good credit, this is one of the best cards out there to get all of the available luxuries.  it does have an annual fee after the first year ($65) and standard APR, so we recommend paying your balance off every month.