Starwood Preferred Guest® Credit Card from American Express Review

Our Detailed Review of This Card

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The Starwood Preferred Guest® Credit Card from American Express (a NextAdvisor advertiser) earned top honors in our Travel Rewards Credit Card Analysis for having the highest earning potential on both flights and hotels with a tremendous average value of $3.39 earned for each $100 spent. The hotel redemption value was a spectacular $3.95 value for every $100 spent, making it a great choice for anyone staying at Starwood and Marriott hotels who'd like to earn free nights and flights. The card's flights value was also great at $2.82 per $100 spent.

In addition to a high point value, card holders will also enjoy a 75,000 point bonus after spending $3,000 in the first 3 months - worth a spectacular $1,345, according to our Travel Rewards Credit Card Analysis. Using the card for purchases will earn 6 points per $1 at participating SPG and Marriott Rewards hotels, and 2 points per $1 on all other purchases.

Starwood Preferred Guest® Credit Card from American Express owners will receive a free night award every year after their card account anniversary, as well as complimentary Silver Elite Status. There are also no foreign transaction fees, making it easier and more cost-effective to use the card overseas. The annual fee is $95 (waived the first year), so that might be something to consider.

The Starwood Preferred Guest® Credit Card from American Express is a very strong travel card that indicated a high hotel point redemption value in our Travel Rewards Analysis. Plus it offers an amazing bonus (worth $1,345!) and generous ongoing rewards. Overall it's a good match for if you're shopping for a card that will earn you free nights at SPG and Marriott hotels.

Fees and APR

  • Annual Fee: $0 introductory annual fee for the first year, then $95.
  • Purchase APR: 17.74%-26.74% Variable, based on creditworthiness.
  • Balance Transfer APR: 17.74%-26.74% Variable, based on creditworthiness.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Foreign Transaction Fee: None
  • Late Payment Fee: Up to $38.
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 27.24% Variable
  • Penalty APR: 29.99% Variable
  • Returned Payment Fee: Up to $38


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

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