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The Starwood Preferred Guest Credit Card from American Express

The Starwood Preferred Guest Credit Card from American Express

New Starwood Preferred Guest®* Credit Card from American Express Cardmembers, earn 20,000 bonus Starpoints®* after you charge $500 in purchases to your Card in your first three months of Cardmembership

Our Rating:
Annual Fee Interest Rate Balance Transfer Cash Advance Credit Score Good: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months. Rewards Are all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
$120.00 *Supplementary Cards: $50 annual fee, waived for the first year 19.99% 21.99% 21.99% Good 2.00% *maximum
  • Card Details Details
  • Our Review Review

Card Details


  • • New Starwood Preferred Guest®* Credit Card from American Express Cardmembers, earn 20,000 bonus Starpoints®* after you charge $500 in purchases to your Card in your first three months of Cardmembership.
    • Earn 1 Starpoint for every $1 in purchases charged to the Card.
    • Enjoy a Free Weekend Night Award when you reach $40,000 in purchases each year.
    • Experience Starwood Gold Preferred Guest status when you reach $30,000 in purchases each year.
    • Redeem Starpoints for Free Nights with no blackout dates at over 1,200 of the world's most desired hotels in nearly 100 countries.
    • Use Starpoints for flights on over 150 airlines with no blackout dates with SPG Flights.
    • Experience once-in-a-lifetime events with SPG Moments.
    • American Express Invites™ opens the door to great music, theatre, dining, film, fashion and shopping experiences. Be among the first to know, and among the first to go!
    • Add a Supplementary Card and the first year's annual fee is on us. That's a value of $50.
    • Annual interest rate 19.99% on purchases and 21.99% on funds advances.
    • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.


Conditions apply

Features and Benefits

  • Purchase protection and extended warranty
  • Baggage insurance
  • Flight delay insurance
  • Rental vehicle insurance
  • Travel accident insurance

RateSupermarket.ca's Review

AMEX as a brand generally appeals to those seeking a high class credit card experience, and the The Starwood Preferred Guest Credit Card from American Express fits that quite nicely. The card offers a great rewards program, although the reward return rate (1 point for every $1 spent on the card) is not very strong. This is offset in the first year with a 10,000 welcome point bonus, which is enough for up to 3 free nights in select hotels, but afterwards, earning points is more difficult than with other travel cards which offer higher returns.

 

The $120 annual fee is a bit steep, but if you're using the card often and reaping the rewards, then the fee isn't so bad. Cardholders can redeem Starpoints for free nights with no blackout dates at over 1,100 hotels and resorts in nearly 100 countries. There are nine distinct brands for cardholders to choose from, including St. Regis, The Luxury Collection, W Hotels, Westin, Sheraton and more. Starpoints can also be redeemed for flights on more than 150 airlines, and can be transferred to frequent flyer miles with nearly 30 airlines, usually on a 1:1 basis.

 

The Starwood Preferred Guest Credit Card from American Express also comes with comprehensive travel insurance, which allows peace of mind while you're on the road. This includes flight delay insurance, lost/delayed baggage insurance, up to $500,000 in travel accident insurance, and more.

Top Features of The Starwood Preferred Guest Credit Card from American Express

  • A welcome bonus of 3 free nights at Starwood hotels.
  • Redeem rewards on hotel bookings with no blackout dates
  • Comprehensive travel insurance including flight delay, lost / delayed baggage and up to $500,000 in travel accident coverage
  • Earn one point on the dollar

Pros and Cons of The Starwood Preferred Guest Credit Card from American Express

Pros Cons
  • Flexible redemption model
  • Built-in travel insurance coverage
  • Great signup bonus equal to three free one-night hotel stays
  • $120 annual fee
  • Points are limited for use at Starwood hotels
  • Earning rate of one point per dollar is not very competitive compared to other fee rewards cards on the market

Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.

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