HighlightsCredit Card Feature
Things We LikeSigning bonus of 25,000 bonus Starpoints®
Our Least Favorite $95 annual fee after the first year
Our Verdict Great card for up to 5 points for Starwood purchases

  • Our Rating:
  • 4.30/5
  • Your Rating:
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Starwood Preferred Guest® Credit Card from American Express, a GET.com advertiser, is a fantastic hotel card to consider getting if you like to stay at Starwood hotels and resorts around the world. That's because it lets you earn rewards in return for making Starwood and your other everyday purchases, and it is, in our opinion, one of the best hotel credit cards out there.

What I like a lot about the SPG Card is that it gives you access to a diverse collection of hotel brands worldwide, including Sheraton, W Hotels, Westin, Le Meridien, St Regis, The Luxury Collection, element, aloft, and Four Points by Sheraton, and it lets you earn points which can be redeemed for stays at Starwood hotels and resorts in nearly 100 countries around the world, or for airline tickets on over 150 airlines.

In this Starwood Preferred Guest® Credit Card from American Express review, I'll share with you all the pros and cons so that you can maximize the value of Starwood Preferred Guest® Credit Card from American Express for your own benefit.


  • Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months

    Why we like it
    • Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
    • Limited Time Offer- Earn an extra 10,000 bonus Starpoints® after you make an additional $2,000 in purchases within the first 6 months. Offer ends 4/5.
    • Earn 2 Starpoints® for each dollar of eligible purchases spent on the Card at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
    • No Foreign Transaction Fees on International purchases.
    • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
    • $0 introductory annual fee for the first year, then $95.
    • Terms Apply.
    • See Rates & Fees
    APPLY NOWAt American Express' secure website

    Regular APR

    15.74%-19.74% Variable

    Annual Fee

    $0 introductory annual fee for the first year, then $95.

    Credit Required

    Good, Excellent
    APPLY NOWAt American Express' secure website
    Why we like it
    • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
    We least like
    • No introductory low APR available.

    Regular APR

    15.74%-19.74% Variable

    Annual Fee

    $0 introductory annual fee for the first year, then $95.

    Credit Required

    Good, Excellent
    • Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
    • Limited Time Offer- Earn an extra 10,000 bonus Starpoints® after you make an additional $2,000 in purchases within the first 6 months. Offer ends 4/5.
    • Earn 2 Starpoints® for each dollar of eligible purchases spent on the Card at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
    • No Foreign Transaction Fees on International purchases.
    • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
    • $0 introductory annual fee for the first year, then $95.
    • Terms Apply.
    • See Rates & Fees
    APPLY NOWAt American Express' secure website

Things We Like About Starwood Preferred Guest® Credit Card from American Express

$0 introductory annual fee for the first year, then $95. The first year's introductory annual fee is $0 for new card members, thereafter the annual fee will be $95.

Earn 25,000 bonus Starpoints® after you use your card to make $3,000 in purchases within the first 3 months of card membership.

Limited Time Offer. For a limited time earn an extra 10,000 bonus Starpoints® after you make an additional $2,000 in purchases within the first 6 months. Offer ends 4/5.

1 point for every eligible $1 you spend and up to 5 points for Starwood purchases. Here's the breakdown of the 5 points: For every eligible $1 spent at SPG hotels & resorts, you get 2 Starpoints on the Card, plus 2 Starpoints as an SPG member (you will automatically be enrolled under the Starwood Preferred Guest program), and you get 1 more Starpoint with SPG Gold or Platinum status.

Use Starpoints for hotel stays and upgrades at over 1,300 hotels and resorts in almost 100 countries with no blackout dates. You can get weekend nights at a category 1 hotel for as low as 2,000 points. This is a good deal if you enjoy staying at the Starwood brand of hotels and like to get hotel stays as rewards.

Free premium internet access in-room. When you stay at participating SPG hotels, you can enjoy complimentary, in-room internet access.

Earn 2 Starpoints® for each dollar. Earn 2 Starpoints® for every dollar you spend on the Card at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.

Use Starpoints to travel to your next destination. With your points, you can use SPG Flights to redeem free flights on over 150 airlines without blackout dates.

Starpoints direct deposit into frequent flyer account. You can set up a direct deposit to convert your points - mostly on a 1:1 basis - to any of over 30 major frequent flyer programs including United MileagePlus and Delta Air Lines SkyMiles. That makes this card an interesting option for collecting airline miles.

Starpoints do not expire as long as you continue to spend on your card. If you continue to make purchases with this card, your Starpoints will remain active.

Travel accident insurance and car rental insurance, which can protect you in case of accidents or damage to the vehicle you are renting.

No foreign transaction fees on international purchases, so you can save a lot of money when you use your card to pay outside of the US.

Terms apply.


Our Least Favorite Things About Starwood Preferred Guest® Credit Card from American Express

$95 annual fee after the first year. You enjoy $0 annual fee for the first year, then $95.

Points take from 8 to 12 weeks to be added to your account. If you're planning on accumulating points for a trip, make sure you take into consideration this lag time and plan well ahead.

How Other Cards Compare With Starwood Preferred Guest® Credit Card from American Express

  • Our Rating:
  • 3.70/5
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APPLY NOWAt Citi's secure site
Citi® Hilton HHonors™ Reserve Card, a partner card, lets you earn 2 weekend night certificates which you can use at a number of select resorts and hotels within the Hilton Portfolio. You earn these nights after you make just $2,500 in purchases within 4 whole months of opening your account. Earn 10 Hilton HHonors Bonus Points for every dollar spent on hotel stays in the same Hilton Portfolio. Earn 5 more HHonors Bonus Points per $1 dollar spent when you rent a car or on airline purchases and earn 3 HHonors Bonus Points per $1 on every other purchase. Starwood Preferred Guest® Credit Card from American Express lets you get 25,000 bonus Starpoints® after you use it to make $3,000 in purchases within the first 3 months, but considering all the ways you can earn HHonors Bonus Points with Citi® Hilton HHonors™ Reserve Card, it makes it tough competition for the Starwood Preferred Guest® Credit Card from American Express. You get to reap the benefits of having HHonors Gold status as long as you have membership with this card. There are no foreign transaction fees and you can set your mind at ease with its global acceptance and chip technology. This card has a $95 annual fee and a 15.74% variable APR.

Starwood Preferred Guest® Credit Card from American Express is a rich rewards card for those of you who love traveling and like staying at hotels and resorts under the Starwood Preferred Guest program. Personally I find Starwood Preferred Guest® Credit Card from American Express one of the top hotel rewards card in the US since it gives you points whenever you spend on your card, which you can accumulate to later redeem for hotel stays or flights with SPG Flights, or convert them into airline miles. Plus, you get to earn up to 25,000 Starpoints for new card members after you make $3,000 in purchases within the first 3 months.

As long as you use this card frequently and especially in Starwood hotels, you will be able to earn a lot of points, thus enabling you to chalk up getaways at SPG hotels and resorts.

On top of the SPG benefits like complimentary premium internet (in-room), you also get to enjoy all the cardholder benefits from American Express such as Extended Warranty, Purchase Protection Plan, Return Protection, and more, with a $0 annual fee for the first year, then $95. Apply online now for Starwood Preferred Guest® Credit Card from American Express, and you can get a decision in less than 60 seconds.

Click here to go to the American Express official website to apply online for Starwood Preferred Guest® Credit Card from American Express now.