Credit Card
Starwood Preferred Guest® Credit Card from American Express
- Earn up to 25,000 Starpoints ® - enough for up to 6 free nights at a category 1 or 2 hotel.
- Use Starpoints® for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
- No annual fee for the first year and $45 thereafter
- Transfer Starpoints® - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
- Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners
- Express Approval. Get a decision in less than 60 seconds.
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| Intro APR: | 2.9%* |
| Intro Period: | See T&C |
| APR: | 15.24% (variable)* |
| Annual Fee: | $45.00* |
| Issuer: | American Express |
| Card Network: | American Express® |
| Card Category: | Consumer (Regular) |
| Card Type: | - Affinity Card - Co-Branded Credit Card - Instant Decision Card - Reward Card |
| Credit Needed: | Good* |
Starwood Preferred Guest Credit Card is for card members having good credit and a solid history. An intro period charges very low interest on purchases and balance transfers. There is no balance transfer fee. Purchase interest becomes higher after the intro period. It may also vary from time to time based on the prime rate.
Applicants receive high credit lines at low interest based on credit worthiness. An annual fee is waived for the first year.
Online account management makes it possible for a card member to stay in line with a monthly, quarterly and annual budget. Paperless statements available online make it easier to check up on card expenses, charges, balance transfers, cash advances and other transactions carried out during past billing cycles. Card members may also schedule electronic bill payment using another internet related service.
A year end financial statement is available to those card members who keep their accounts in good standing.
Extended warranty on purchases applies to all members who purchase items having applicable warranties. Such items purchased received extended warranty from American Express.
Card members who travel by air will experience lots of travel related benefits. The travel and emergency assistance service makes it easy to book flight tickets, hotel accommodation, and car rental without leaving your home. When away from home, the medical/legal referral service links you up with the best help possible.
Travel accident insurance protects against accidental dismemberment and auto rental insurance protects against damage or loss to rental cars.
On the rewards program, card members are entitled to 10,000 bonus points on a first purchases. These bonus points alone are enough to redeem 3 free nights at a participating Starwood hotel. Those members who'll spend up to $15,000 within their first 6 months in charge receive an additional 15,000 bonus points.
Eligible purchases earn a single point per dollar spent while hotel stays at a Starwood hotel earns double points provided this card is used for payment. Members are allowed accumulate as much points and those points gathered will expire after 12 months with no card use.
Starwood Preferred Guest Credit Card is for those consumers who plan to take advantage of its reward program. Frequent travelers or professionals who stay frequently at Starwood hotels will enjoy accompanying card benefits.
Express approval gets you a decision within 60 seconds.
Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express.
| Reward Type: | - Hotel Reward Cards |
| Reward Unit: | Point |
| Reward for $1 spent: | 1.00 |
| Rewards: | - Earn up to 25,000 Starpoints — enough for up to 6 free nights at a category 1 or 2 hotel. - Use Starpoints for free nights and upgrades at over 860 participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates - 1 point for every Dollar spent |
| Expiration: | 1 year |
| Yearly Limit: | None |
| Other Benefits: | - Access to the Offer Zone for various discounts at participating retailers and merchants - Internet account related services - Year-end financial statement - Extended warranty for purchases - Purchase protection - Return protection - Price protection service - Auto rental insurance - Emergency card & cash replacement - Medical referral services - Legal referral services - Travel & emergency assistance services - Up to $100,000 in travel accident insurance - No liability for unauthorized Internet transactions See website for additional benefits** |
| Online Account Access: | Yes |
| Introductory APR: | 2.9%* |
| Applied Towards: | Purchases, Balance Transfer |
| Introductory Period: | See T&C* |
| APR on Purchases: | 15.24% (variable)* |
| Annual Fee: | $45.00* |
| Grace Period: | N/A* |
| Min Finance Charge: | $0.50 |
| Max Credit Line: | $100,000 |
| Late Payment Fee: | N/A* |
| Over Limit Fee: | $35.00 |
| Balance Transfer: | Yes |
| APR on Balance Transfer (%): | 2.90% |
| Transfer Fee (%): | 0.00% |
| APR Cash Advances: | 19.99% |
| Cash Advance Fee: | 3.00% |
| Minimum Fee: | $5.00 |
| Apply Now |
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† The information provided for Starwood Preferred Guest Credit Card from American Express is believed to be accurate at the time of evaluation (Jul 1, 2010). We strongly advise visitors to review the terms and conditions provided to verify accuracy of the information posted prior to applying for the product.
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