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The Starwood Preferred Guest®* Credit Card from American Express

The Starwood Preferred Guest®* Credit Card from American Express

Earn up to $250 in statement credits.

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 *No annual fee on Supplementary Cards 19.99% - 22.99% Good 2.00% *maximum
  • Card Details Details
  • Our Review Review

Card Details


  • New Starwood Preferred Guest®* Credit Card from American Express Cardmembers, earn a statement credit of $100 after you charge $1500 in purchases to your Card in the first 3 months of Cardmembership.*

  • You can also earn a $150 statement credit after you charge $200 or more in purchases to your Card at participating Starwood or Marriott properties in your first 6 months of Cardmembership.*

  • You can earn 2 Starpoints for every dollar of eligible purchases charged to the Card at participating SPG® and Marriott Rewards® hotels from November 15, 2016 through July 31st 2018.

  • 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.

  • No annual fee on Supplementary Cards.

  • Redeem Starpoints for Free Nights with no blackout dates at over 1,300 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.

  • Enjoy an automatic upgrade to Starwood Gold Preferred Guest membership when you reach $30,000 in purchases each year

  • Missed payment applicable rates, 23.99% on purchases and 26.99% 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 25,000 welcome point bonus after you charge $1,500 in purchase to your Card within the first 3 months of cardmembership. This is enough for up to 2 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 1,200 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 2 free nights at select 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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