dcsimg

Our credit cards articles, reviews and ratings maintain strict editorial integrity and are independent of whether a card is an advertiser (they are neither commissioned by nor reviewed, approved or endorsed by issuers); however we may receive compensation through the issuers' affiliate programs when you click on links to products from our partners and get approved. See details on how we make money here.

Apply online for Starwood Preferred Guest® Credit Card from American ExpressSponsored card
About Our Ratings
Credit Needed
Excellent

Starwood Preferred Guest® Credit Card from American Express Review

Pros & Cons

  • Get 25,000 bonus Starpoints® after using your new card to make $3,000 in purchases in the first 3 months.
  • Starwood's Starpoints are a higher value than the one-cent-per point industry average
  • Winner of a 2016 CardRating's Editor's Choice award for being a top pick for a travel rewards.
  • Portfolio of hotels is smaller than other chains, which may mean your travel destination won't have a Starwood property (but if you're a Starwood fanatic, you may likely not have wanted to stay at those other properties anyway!)

Top Features

Points or Miles
Get up to 5 Starpoints® for each dollar of eligible 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. Get 1 Starpoint for all other purchases.
Bonus Miles or Points
25,000 bonus Starpoints®
after you use your new Card to make $3,000 in purchases within the first 3 months.
Purchase APR
15.49%-19.49% Variable
Annual Fee
$0 introductory annual fee for the first year, then $95.

Full Review

Curtis Arnold Editor-in-chief

Starwood Preferred Guest® Credit Card from American Express Essentials

Starwood Preferred Guest® Credit Card from American Express (American Express is a CardRatings.com advertiser) was just awarded a 2016 CardRating's Editor's Choice award for being one of the best travel 2016 CardRating's Editor's Choice Awardcredit cards on the market.

As a frequent traveler, it’s nice to have a reliable home away from home. Pinpointing a hotel chain or airline that you love is a great way to find comfortable consistency, and helps eliminate hidden surprises that make travel unnecessarily stressful.

If your hotels of choice include properties like Four Points by Sheraton and the W, then consider getting rewarded for your loyalty with the Starwood Preferred Guest® Credit Card from American Express. Even more, you'll be rewarded to the tune of 25,000 Starpoints if you spend $3,000 on your card within the first three months of account opening.

The Starwood Preferred Guest® Program is divided into three tiers: Preferred Guest, Gold Preferred and Platinum Preferred. Preferred members get 2 points for every dollar spent at participating Starwood hotels, while Gold and Platinum members earn 3 points. That’s on top of the 2 points for every dollar American Express® automatically gives cardmembers for eligible purchases.Starwood Preferred Guest® Credit Card from American Express offers more value than other hotel cards, making it easy for business travelers to amass rewards and free nights. Starwood Preferred Guest® Credit Card’s best features:

  • Earn up to 5 points for every dollar you spend at Starwood hotels
  • Earn 1 point on all other purchases
  • No annual fee for the first year
  • No foreign transaction fee
  • Get 25,000 bonus points when you make $3,000 in purchases in the first three months.
  • Perks include unlimited complimentary Boingo WiFi, free in-room Internet and access to discounts and presale tickets for live events

What Our Editors Like Most About the Starwood Preferred Guest® Credit Card

With the Starwood Preferred Guest® Credit Card from American Express, earn up to 5 points for every dollar you spend at one of Starwood’s 11 hotel brands. Get 2 points for eligible purchases as a cardmember and up to 3 points as a member of the Starwood Preferred Guest® program. Points don’t expire, which makes it easy to build up enough points for a fantastic splurge, or redeem them — sensibly— as they come.

According to our research, the minimum points required for a stay in one of Starwood®’s standard properties (Four Points® by Sheraton, for example) is 10,000 points or 40% of the points earned in the signup bonus. You’d have to spend an average of $208 a month at Starwood hotels to earn enough points for this stay — fairly easy to do if you’re a frequent business traveler and a Preferred Guest member.

One of the best benefits of the Starwood Preferred Guest® Credit Card from American Express is that you get more value for your points. If you’re a Preferred Guest member, you earn 4 points for every dollar you spend at participating hotels, providing a value of more than 2 cents per point when you redeem them for free nights — exceeding the one-cent-per-point industry average for other travel rewards credit cards.

You can redeem flights on more than 150 airlines with no blackout dates. Starwood® also has partnerships with nearly 30 frequent flier programs. As a cardmember, you receive 5,000 bonus points when you transfer 20,000 bonus points to one of these programs.

Potential Downsides of the Starwood Preferred Guest® Credit Card

The two biggest drawbacks of the Starwood Preferred Guest® Credit Card from American Express are the $95 annual fee after the first year and that the sign-up bonus isn’t as generous as other hotel cards. The IHG® Rewards Club Select Credit Card, for example, offers 60,000 bonus points when you make $1,000 in purchases within the first three months. (IHG® also offers an anniversary free night on your account anniversary each year). The $95 annual fee is also a higher than other cards in this category, which can be as low as $49.

One last thing to consider: Starwood doesn’t have as broad a portfolio as its competitors, so you have to really love its hotels to commit to this card. If you’re looking for more hotel options in more cities, a bigger brand might be better: Hilton, for example, has over 4,200 hotels in 93 countries in its portfolio; Starwood only has 1,200 hotels and resorts in its portfolio.  

How the Starwood Preferred Guest® Credit Card Compares to Other Hotel Credit Cards

Starwood Preferred Guest® Credit Card vs. Marriott Rewards® Premier Credit Card

The Marriott Rewards® Premier Credit Card has a better sign-up offer, at 50,000 bonus points after you spend $2,000 in the first three months. Every Marriott Rewards® Premier cardholder gets five points for every dollar spent at one of Marriott’s thousands of hotels, two points for every dollar for airline tickets, car rentals and dining, and 1 point for all other purchases. Both cards have no foreign transaction fee and a $0 introductory annual fee, but it’s only $85 for Marriott Rewards® Premier compared to $95 for Starwood Preferred Guest® after the intro period. Marriott Rewards® Premier also gives cardholders a free night stay on their anniversary, which may put it a notch above Starwood Preferred Guest® for both points and perks.

Starwood Preferred Guest® Credit Card vs. Citi® Hilton HHonors™ Reserve Card

There’s no sign-up point incentive with Citi® Hilton HHonors Reserve Credit Card, but you do get two weekend night stays at a Hilton hotel after you make $2,500 purchases within the first four months. Unlike Starwood Preferred Guest®, Hilton® HHonors doesn’t have an introductory $0 annual fee, so you’ll have to pay a $95 annual fee when you get the card — and every year thereafter. But you get more points with Hilton® HHonors. The card gives you 10 bonus points for every dollar you spend at a Hilton hotel, 5 points on airline and rental car purchases and 3 bonus points on all other purchases. Every cardmember also gets automatic Gold status with Hilton® HHonors. If variety and choice are important to you, Hilton will be the better option because of its wider portfolio, but if want to avoid an annual fee — at least for a year — then choose Starwood Preferred Guest®.

Starwood Preferred Guest® Credit Card from American Express vs. IHG® Rewards Club Select Credit Card 

The IHG® Rewards Club Select Credit Card’s intro offer gets you 60,000 bonus points after spending $1,000 in the first three months; that’s more points for less spending than the Starwood Preferred Guest® Credit Card’s introductory offer.

While both cards are void of foreign transaction fees and waive annual fees in the first year, the IHG® Rewards Club Select Credit Card does have a slightly lower annual fee the following year of $49. But the Starwood Preferred Guest® Credit Card allows cardholders to redeem Starpoints for free flights on more than 150 airlines, including Delta and other major carriers, plus offers 5,000 bonus points when you transfer 20,000 points to one of nearly 30 participating frequent flyer programs.

The key here likely comes down to where your loyalties lie, whether with Starwood or IHG properties.

Who Should Get The Starwood Preferred Guest® Credit Card?

The Starwood Preferred Guest® Credit Card from American Express is clearly attractive for business travelers, especially for business travelers who have the luxury of using a personal card for business expenses, then get reimbursed later. With its high value per point, even a one-night stay every month can net you enough points for a free night by the end of the year. Use this card for everyday purchases as well as business travel to maximize your rewards.

This card compared to other reward points cards

Points or Miles
Get up to 5 Starpoints® for each dollar of eligible 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. Get 1 Starpoint for all other purchases.
2X miles/$1 spent on travel & dining; 1X miles/$1 on all other purchases. Get 5% miles back to use toward your next redemption, every time you redeem
3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
Bonus Miles or Points
25,000 bonus Starpoints®
after you use your new Card to make $3,000 in purchases within the first 3 months.
20,000 bonus miles after you spend $1,000 on purchases in the first 90 days - that's enough to redeem for a $200 travel statement credit
Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
Purchase APR
15.49%-19.49% Variable
16.24%, 20.24% or 24.24%* Variable 
13.24%-23.24% Variable 
Annual fees
$0 introductory annual fee for the first year, then $95.
$0
$95
CardRatings.com Editorial Staff

Starwood Preferred Guest® Credit Card from American Express details

Balance Transfer Intro APR
N/A
Balance Transfer Intro Period
N/A
Purchase Intro
APR:
N/A
Purchase APR
15.49%-19.49% Variable
Annual Fee
$0 introductory annual fee for the first year, then $95.

What American Express says about this card

  • Get 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • No Foreign Transaction Fees on international purchases.
  • Receive free in-room, premium internet access. Booking requirements apply.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • Get free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and Conditions apply.

Credit Card Consumer Average Ratings:

Overall Ratings
Reward Program
Card Benefit
Customer Service

Credit Card Consumer Reviews:

  1. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    Rewards Seeker ( May 15, 2012 at 8:52 am)

    After years of preferring cash-back cards to travel / points cards I finally decided to try out a travel card to help save up for vacations. I have had this card since August 2011 and have been very impressed so far. The points go a long way when you redeem for hotel stays--especially since they allow you to redeem for points and cash. I have gotten some awesome deals on stays and have loved all the Starwood properties we've stayed at so far. Overall this is a sweet deal for those who will redeem for hotel stays--high value on points, nothing but top notch service from Amex and Starwood, beautiful hotels, and I have never had any trouble redeeming or finding a hotel in any major city. However, if you redeem for anything other than hotel stays the points are devalued. So, if you are looking for anything other than cheap and/or free stays and upgrades at swanky hotels, then this isn't the card for you.


Write Consumer Reviews:





E-Mail will not be published









Featured offers
Currently available on the Starwood Preferred Guest® Credit Card from American Express
25,000 bonus Starpoints®
After you use your new Card to make $3,000 in purchases within the first 3 months.

Start Here

Search. Compare. Apply.

Apply online for Barclaycard Arrival™ World MasterCard®

Barclaycard Arrival™ World MasterCard®

  • Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days - that's enough to redeem for a $200 travel statement credit
  • Earn 2X miles on travel & dining and 1X miles on all other purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 16.24%, 20.24% or 24.24%, depending on your creditworthiness.
  • Complimentary online FICO(R) Credit Score access for Barclaycard Arrival cardmembers
Credit Needed:
Excellent/Good
Apply online for The Amex EveryDay® Preferred Credit Card from American Express

The Amex EveryDay® Preferred Credit Card from American Express

  • Earn 15,000 Membership Rewards(R) points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Use your Card 30 or more times on purchases in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards(R) Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking through amextravel.com.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
Credit Needed:
Excellent