Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express Review: Credit Cards

Credit Card
 
Apply for a Starwood Preferred Guest® Credit Card from American Express
Rating:
Bottom Line:
Great travel card with high hotel redemption value of $2.30; 25K bonus point opportunity
Full Review:
5 2015-05-19 08:25:23 Starwood Preferred Guest® Credit Card from American Express (a NextAdvisor advertiser) did very well in our Travel Rewards Credit Card Analysis, with the highest hotel redemption value of any card we looked at - a $2.30 value for every $100 spent. The high hotel redemption point value makes it a great choice for anyone staying at Starwood hotels who'd like to earn free nights and flights. The card's flights value was also good at $1.43 per $100 spent.

In addition to a high point value, card holders will also enjoy a 25,000 point bonus after spending $3,000 in the first 3 months. Using the card for purchases will earn up to 5 points per $1 at participating hotels (2 points as a cardholder and 2-3 points as a SPG member), and 1 point per $1 on all other purchases.

Overall this is a very strong travel card that indicated a high hotel point redemption value in our Travel Rewards Analysis. Some things to consider are that the card lacks chip-and-PIN technology, which may make it hard to use overseas, and that there is a $65 annual fee (waived the first year).

Highlights
  • Earn 25,000 bonus Starpoints after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn free nights at over 1,100 hotels and resorts in nearly 100 countries with no blackout dates.
  • Some hotels may have mandatory service and resort charges.
  • Earn up to 5 Starpoints on purchases at participating SPG hotels.
  • That's 2 Starpoints for which you may be eligible as a Card Member in addition to the 2 or 3 Starpoints for which you may be eligible as an SPG member.
  • $0 introductory annual fee for the first year, then $65.
  • Terms and Limitations Apply.

Rewards
  • No blackout dates.
  • Earn 25,000 bonus Starpoints after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 4 to 5 Starpoints for every dollar you spend at Starwood Preferred Guest Hotels and Resorts.
  • Earn 1 Starpoint for every eligible dollar spent everywhere else.

Redeem Rewards
  • Redeem Starpoints for free nights at over 1,100 hotels & resorts in nearly 100 countries and for free flights on over 150 airlines with SPG Flights - all with no blackout dates.
  • Hotel Redemption: Hotels in the Starwood quiver include Sheraton, The Westin, W, Le Meridien and the St. Regis. Each of these hotels fits into a category ranging from 1 to 7 based on decor, amenities, prestige and destination. Starwood lets customers know upfront the number of points required to receive a free night based on the category the hotel falls into. Category 1 hotels cost between 2,000 to 3,000 points a night while Category 7 hotels are 30,000 to 35,000 points. We found their published point costs to match the actual point costs when booking a room.
  • Flight Point Redemption: Members can use Starpoints to purchase flights on a large variety of partner airlines, including Alaska Airlines, Hawaiian Airlines, US Airways, United and Virgin Atlantic. Basically when users book flights on the Starwood site, their Starpoints are being exchanged for miles on the airline of their choice. Almost all airlines offer a 1 to 1 transfer ratio of Starpoints, except United and Continential who require 2 Starwood points for every mile.

Fees and APR
  • $0 annual fee first year; $65 per year thereafter.
  • Purchase APR: 15.24%-19.24% (Variable), depending on creditworthiness.
  • Balance Transfer APR: Purchase APR on balance transfers requested within 30 days of account opening, based on your creditworthiness. Balance transfer fee is $5, or 3% of the amount of each transfer, whichever is greater.


Apply for a Starwood Preferred Guest® Credit Card from American Express

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. This site may be compensated through American Express Affiliate Program.

 
Card Details:

Purchase APR:15.24%-19.24% (Variable)
Features:2 Starpoints® per $1 of eligible purchases charged directly with hotels & resorts participating in SPG® program, 1 Starpoint® per $1 spent on eligible purchases
Annual Fee :$0 intro annual fee for the first year, then $65
Credit Needed:Excellent

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