Starwood Preferred Guest® Credit Card from American Express

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Starwood Preferred Guest® Credit Card from American Express’ Rewards

25,000 points
Base Earn
1 point / $1
Max Earn
2 points / $1
  • Get 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Receive free in-room, premium internet access. Booking requirements apply.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • Get free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges.
  • Terms and Conditions apply.

Starwood Preferred Guest® Credit Card from American Express’ Key APRs & Fees

Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
15.49% - 19.49% (V)
  • ANNUAL FEE None 1st yr, $95 after

Starwood Preferred Guest® Credit Card from American Express’ Additional Info

  • MAX LATE FEE   $37
  • MAX PENALTY APR   29.49% (V)
  • GRACE PERIOD   25 days
    25.49% (V)
    3% (min $5)
  • SMART CHIP   Yes, chip-and-signature
  • No Foreign Transaction Fees on international purchases.
  • $0 introductory annual fee for the first year, then $95.
Apply Now
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secure site

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Customer Reviews

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4.5 out of 5

314 reviews
Photo of Card H.
Nov 2, 2015
The SPG Credit Card is unassuming yet very powerful. Its 25,000-point initial bonus and the one to two points that it dispenses per dollar spent don’t sound like a whole lot — in contrast to offers for more than double those amounts — but Starpoints are worth at least twice as much as most hotel points. So, that initial bonus actually translates into roughly $605 in SPG reservations, and the ongoing rewards equate to as much as 4.84% back, provided you redeem for free nights. What’s more, the card’s $95 annual fee is waived for the first year. That gives diehard SPG fans a head start on earning and provides more
Photo of Toria B.
Sep 18, 2015
This is my most used card. Amex in general has awesome customer service and have been very secure by notifying me when they notice odd charges. The rewards system is great and can be redeemed at any Starwood hotel as well as for flights or even car rental vouchers. My only gripe is the annual fee.
Photo of Joshua D.
Dec 31, 2014
This Starwood Amex card now comes default with a CHIP+Signature technology. I got mine with the CHIP. Love the points and how you can redeem them for a lot of things. Can use it internationally and simply convenient-!!. Thank you AMEX.
Photo of Rich M.
Jan 13, 2014
One of the best travel rewards cards out there. Excellent sign up bonus and absolutely spectacular rewards programs when redeemed for flights or Starwood hotel properties. Any purchase at a Starwood property with these card nets you nearly 10% back with the SPG & Amex rewards combined, when redeemed for high value stays. You can also transfer 20,000 starpoints for 25,000 airline miles with many airlines. The small annual fee is nothing in comparison to what you'll earn by using this at starwood resorts.
Photo of David T.
Mar 15, 2013
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 more
Photo of Eusebio L.
Dec 7, 2012
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 more
Photo of Robbie D.
Nov 15, 2012
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.
Photo of Greg T.
Oct 11, 2012
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 more
Photo of Karen G.
Aug 22, 2012
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 more
Photo of Filipe L.
Jul 18, 2012
I love this card! I have been a member for just under a year time, and this fits my family's situation perfectly. We travel quite often as a part of work (we are coworkers too!), so while traveling to hospitals, we usually stay at Starwood hotels. We also book conferences through them and, you guessed it, we use this card to make it all happen. We have accumulated so many points combined, that whenever we go away at our own leisure, the room is totally covered. We also use this card for our regular purchases (gas, utilities, etc), so we get even more points that way. If you don't stay more
Photo of Steven B.
Jul 12, 2012
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 more
Photo of Won L.
Apr 12, 2012
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 more
Photo of Joe W.
Apr 13, 2012
Haha, no, I do not work for Capital One. I just call things how I see them, and if that’s resulted in me commenting positively on some Cap One cards, then I guess I like them.

As far as the Starwood Preferred Guest Card goes, I definitely agree that it is a great offer and there are a number of ways to put its rewards to use, but I tend to steer non-travelers away from travel-oriented rewards credit cards. My philosophy is that you should get a card that benefits you a lot, both in terms of overall value and frequency. People are better off with rewards cards that are more
Photo of Won L.
Apr 17, 2012
Joe Weider I used to agree with you that why recommend travel cards to general public, when they probably won't fly very much? because the trend is more people are flying these days. But still that is not a conclusive evidence that everyone flies at least once in their life time,

so in that aspect, i concur with you Joe. If people don't wanna have to deal with hassle of transferring points to miles (which i don't understand it being hassle, but hey every man for his own). then just getting

"oh look! I got 1 dollar 48 cents back this month! yay!"

would probably work better for many. more
Photo of Joe W.
Nov 23, 2011
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 more
+301 users submitted a rating without a full review
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Last updated on: Aug 25th, 2016 at 11:51 EDT

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