Starwood Preferred Guest® Credit Card from American Express
Sponsored Card
- Minimum Credit Required:
Excellent - Annual Fee:None 1st yr, $65 after
- Network: American Express
Points
| Initial Bonus 25,000 Starpoints |
Base Earn 1 Starpoint |
Max Earn 2 Starpoints |
Earn / Redeem Limit No |
- 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.
| Intro Rate Not Offered |
Intro Period N/A |
Regular Rate 15.24% - 19.24% (V) |
| Intro RateNot Offered | Intro PeriodN/A | Regular Rate15.24% - 19.24% (V) | Balance Transfer Fee 3% |
| Cash Advance Rate 25.24% (V) |
Cash Advance Fee 3% (min $5) |
- $0 introductory annual fee for the first year, then $65.
- Terms and Restrictions Apply.
- Max Late Fee: $35
- Max Overlimit Fee: None
- Max Penalty APR: 27.24% (V)
- Grace Period: 25 days
- Online Response: Yes
- Foreign Transaction Fee: 2.7%
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The card information shown on this page was last updated: June 6th, 2013 at 5:14 EDT
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Ever since I got this card about 10 years ago I have used it for nearly all my purchases. It has been a fantastic card with the rewards being very nice. You can use the rewards for airline tickets (transfer to airline account) or for free nights at one of the Starwood Hotels, including Westin, St. Regis and Le Meridien (there are more by I have not stayed at those hotels yet). The card and Starwood have both been easy to use and customer service has been top notch at both. I cannot begin to tell you how fast and efficient American Express was when I lost my card! I called customer service to let them know I lost my card and all they need to know was what was my last purchase and when, next thing I know, a day later I have my new card.
March 15, 2013 at 01:35am
I got this credit card a few years ago when I was working very hard to get to the 2 million mile club with American Airlines to become a lifetime Platinum member. I found this card on a blog (can't remember which one) and found out that 20,000 dollars spent would be worth 25,000 miles on American Airlines. This was the highest conversion rate I could find so I went for this card. American Express is a top-notch company and I have been very pleased with their professionalism and have felt I've been treated by them very well. I have since purchased a business and routinely charge about 8 to 10 thousand a month which makes earning miles very easy. I can also use those points to stay at Sheraton hotels. I would definitely recommend this card for anyone wanting miles or hotel points.
December 7, 2012 at 03:30pm
I recently received a Starwood Preferred Guest® Credit Card from American Express. I used it to replace a credit card that I already had. I am able to earn hotel stays and flight miles in a very quick and easy manner with this card. Customer service was very friendly and professional when I contacted them about an issue with my card. The application was quick and easy. It gave me an instant approval, so I did not have to wait for something to come in the mail. My interest rate is very competitive for being a rewards credit card. They gave me a large credit limit without hesitation.
November 15, 2012 at 07:40pm
I am currently a member of the Starwood Preferred Guest "club" and I wanted my dollar to stretch a little further when I travel to my vacation destinations so I decided to get a Starwood Preferred Guest Card by American Express. So far so good with the card, I earn 1 point for every dollar I spend with the card, sometimes up to 2 points per dollar if I shop at one of their partner retail locations. It may not be my favorite card (that goes to the Costco True Earnings Card by American Express) but I still pull it out from time to time to earn some points. My fiancee and I are planning a pretty big vacation after we get married so these points will come in handy. I definitely enjoy the luxury that Starwood Hotels is known for so that is a plus in my book.
October 11, 2012 at 06:00pm
This credit card has been great for us when traveling. I became a member in 2008 and have used the points on this card for two Disney World vacations. There are two Starwood hotels onsite at Disney, if you stay there you get most of the Disney hotel benefits (transportation to and from parks, etc.) but you can use your Starwood American Express card points to stay. Additionally, I recently lost the card and when I called to report it, the customer service representative was wonderfully helpful and knowledgeable. I received my replacement card quickly. I also like that there are so many hotel choices and few blackout dates. I also utilize their online payment and the Amex app on my phone. Using the app, you can get great deals on shows and restaurants as well as check and pay your bill.
August 22, 2012 at 07:23pm
This is a great credit card. I first heard about it when a family member recommended it to me. I originally signed up as a favor to him (he got 5,000 Starwood Preferred Guest points to his account), but I didn’t have a strong opinion about the card at that point. To my surprise, I got 25,000 points myself for signing up! So yes, they have a GREAT referral program. I was able to use the points in many different ways. The most common use of the points is for hotels. I have gotten hotels in Kauai, Hawaii; Malibu, California; and Brooklyn, NY. They have so many different places where they have hotels. There are different tiers of hotels ranging from good to great. You usually need anywhere from 2,000-12,000 points to get a night’s stay at a hotel. There’s also the option of using points to lower the price of a hotel; this is a mixed option, where you pay some cash and use some points. In addition, I have also used my points to book airline tickets. American Express allows you to transfer points to almost any major airline. Because I am a Delta frequent flier, I transferred 40,000 miles over to my account. The great plus to this option is that American Express will give you a bonus 5,000 miles for every 20,000 miles you transfer. Essentially, I got 50,000 miles when I only transferred 40,000 miles. The only con to this card is the $65 annual fee, which is automatically charged to my card.
July 12, 2012 at 05:54pm
Joe, I can't shake a feeling (especially I see that you are a loan officer at Bank, but doesn't specify which one) that you work for capital one. otherwise, I don't see how u can push for those cards, and downplay amex spg. one note of correction. you earn 2 points per dollar spent on starwood hotel stay FROM the card. u get 2 points per dollar spent on starwood hotel for staying there, (3 if you are elite), but the card only gives you 2. but you have to understand that 2 point is worth more than say, 10 points in hilton or marriott, so do take that into consideration. If you talk to anyone who have actually USED the card (or using like me), this is my primary card to use in the States for non-dining/gas/flight/hotel (sans spg) purchases. If I am going to earn 1 point per dollar spent, then this is the card I put it on. why? because its simply one of most flexible card out there. Yes, if you don't fly a lot, this might not be for you, but even if you take a cross continental domestic flight, this is golden. spg has so many transfer partners, its not even funny. american? check. United? check. Non-US carriers? check check check. if you transfer in bulk, say 20,000 spg points, then u get 25,000 miles, which is great! you don't have to stay at sheraton 6-8 times a year to make this card awesome. even once is great. Since, starwood has awesome hotels in wonderful and exotic locations like Bali, Koa Samoi, or even one of my favorite Mystique, Santorini-Greece, using these points for that purposes is going to make your dream come true. this card ALWAYS stays in my pocket, if I am in the states. Sadly, this card does have forex charge, so when I travel, it stays at home, sadly waiting for my return.
April 12, 2012 at 03:02am
If you’ve ever stayed at a Sheraton, a Westin, or higher-end hotels like The W or the St, Regis, you’ve stayed at a Starwood hotel. If you stay at any of the hotels under the Starwood umbrella (also includes Le Meridien, The Luxury Collection, Aloft, Four Points, or Element) exclusively when you travel, it might make sense to get a Starwood Preferred Guest Credit Card from American Express. First of all, the American Express Starwood Credit Card offers 15,000 bonus points (10K after first purchase and 5k after spending $5,000 in first 6 months), which is redeemable for 6 free nights at the company’s Category 1 and 2 hotels (list available online). That’s a pretty darn attractive initial bonus for someone who knows their going to be staying in such hotels in the near future. You also get at least 4 points per dollar spent on Starwood Hotel stays with the Starwood Credit Card from American Express, 2 points per dollar spent at Starwood retail partners, and 1 point on everything else. Earlier I said that the Starwood Credit Card “might make sense” because the fact that you are a loyal Starwood customer doesn’t necessarily mean the Starwood credit card will be your most rewarding choice. There are a lot of really good rewards cards out there, particularly for people with excellent credit, which is what it takes to open the Starwood Preferred Guest Amex Card, since Amex’s entire credit card business is targeted to the upper crust of consumers. So, if you don’t spend at least 20 nights in a Starwood Hotel each year, you shouldn’t consider opening this card for anything else other than its initial bonus. And if you aren’t going to need 6 free hotel nights in the next year, I’d go with a card like the Chase Sapphire Preferred that offers an initial bonus of either $625 in travel accommodations or $500 cash over the Starwood Preferred Card. If you do stay in Starwood Establishments for 20+ nights, by all means go ahead and get the Starwood Credit Card, as it will help you save on one of your biggest expenses. I’d probably also get a good everyday cash back card like the Capital One Cash card to use for all of your other purchases.
November 23, 2011 at 07:06pm