Starwood Preferred Guest® Luxury Card

For People with
Excellent Credit

The Starwood Preferred Guest Luxury Card is a premium travel card, coming with a $450 annual fee.

It provides 6X points per dollar for purchases at SPG and Marriott Rewards hotels, and 3X points on airfare and at restaurants. Other purchases earn 2X points.

This card has quite a few valuable benefits, with some of the best being:

  • $300 SPG or Marriott Rewards annual statement credit
  • Complimentary Priority Pass Select membership
  • Free Night Award every year after your account anniversary
  • Complimentary Marriott Gold Elite status

The SPG Luxury card has no foreign transaction fees.

Card Quick Facts

Card Quick Facts

  • 6X points per dollar at SPG and Marriott Rewards hotels
  • 3X points per dollar at U.S. restaurants and on flights booked directly with airlines
  • 2X points per dollar spent on all other purchases
  • $300 SPG or Marriott Rewards annual statement credit
  • Free Night Award every year after your card anniversary
  • Complimentary Gold Elite status, Platinum Elite status after spending $75,000 per year
  • Priority Pass Select membership
  • Fee credit for Global Entry or TSA Pre✓ application
  • $450 annual fee

For People with
Excellent Credit

Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 6X points per dollar at SPG and Marriott Rewards hotels
  • 3X points per dollar:
    • at U.S. restaurants
    • on flights booked directly with airlines
  • 2X points per dollar spent on all other purchases

Introductory Bonus

  • 75,000 bonus points for spending $5,000 on purchases in the first 3 months after account opening
Card Stats

Card Stats

Annual Fee $450
Additional Cards Annual Fee -
Regular Purchase APR 17.49%–26.49% Variable
Intro Purchase APR -
Foreign Transaction Fee 0%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR 29.99% Variable
Late Fee Up to $38
Returned Payment Fee Up to $38
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 17.49%–26.49% Variable
Balance Transfer Fee See Terms
Cash Advances

Cash Advances

Cash Advance APR 26.99% Variable
Cash Advance Fee 3%, $5 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • $300 SPG or Marriott Rewards Annual Credit

    Get $300 in credits each year for purchases at SPG or Marriott Rewards hotels.

  • Free Night Award

    One Free Night Award every year after your card anniversary, good for a redemption level of 50,000 points or less.

  • Priority Pass Select Membership

    Free access to Priority Pass lounges for you and two guests.

  • Fee Credit for Global Entry or TSA Pre✓

    Get a credit for the application fee of either Global Entry ($100) or TSA Pre✓ ($85), once every four years.

  • Complimentary Gold Elite Status

    Automatic Marriott Gold Elite status, including a 25% point bonus, enhanced room upgrades, and more.

  • Fast Track to Platinum Elite Status

    Spend $75,000 in a given year to earn Marriot Platinum Elite status.

  • Bonus Points When Transferring To Flights

    Get 15,000 bonus Starpoints for transferring 60,000 miles to a frequent flyer program.

  • 15 Elite Night Credits

    Get 15 Elite Night Credits toward a higher status level each year.

  • Premium In-room Internet

    Some booking requirements apply.

  • Unlimited Boingo Wi-Fi

    Up to 4 devices at more than 1,000,000 Boingo hotspots worldwide.

  • Lowest Hotel Rate Guarantee

    For reservations purchased on

  • No Blackout Dates

    On Free Night redemptions.

  • Complimentary ShopRunner Membership

    ShopRunner provides free two-day shipping and returns at participating online merchants.

  • Entertainment Access

    Discounts to card member-only events, concerts, sporting events, and shows.

  • $0 Fraud Liability

    You won’t be held responsible for fraudulent transactions (contact customer support immediately if you suspect fraud).

  • Dispute Resolution

    Help dealing with fraudulent and unauthorized transactions.

  • Account Alerts

    Get alerts about account information on your phone.

  • Mobile & Tablet Banking

    Pay your credit card bill online, transfer funds, check available credit and more.

  • Extended Warranty

    For warranties of 5 years or less, get up to one extra year added to the original manufacturer’s warranty.

  • Purchase Protection

    Items purchased with your card are protected against accidental damage and theft within 90 days of the purchase.

  • Return Protection

    Provides a refund for eligible purchases if the merchant won’t take an item back.

  • Premium Roadside Assistance

    Assistance with services such as towing, changing a flat, or boosting a battery. No fee for the first four occasions.

  • Premium Global Assist® Hotline

    Help with travel accidents such as a lost passport, the need for a lawyer, sudden illness, and more. Some costs may be covered.

  • Travel Accident Insurance

    Up to $500,000 in coverage against accidental death or dismemberment when traveling by plane, train, ship, or bus.

  • Baggage Insurance Plan

    Eligible lost, stolen, or damaged bags are covered up to $2,000 for checked bags, and up to $3,000 for checked and carry-on bags.

  • Car Rental Loss and Damage Insurance

    Eligible stolen and damaged vehicles are covered if you you decline the rental company’s own insurance. Not all rentals or vehicles are covered.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 0 reviews

The Insider

Susan Shain
What Is a Credit Card CVV Number? Where to Find Your Security Code
Susan Shain | Nov 14, 2018

Looking for your credit card CVV code? Here's exactly where to find it on different cards, plus why this security code is vital for online shoppers.

Read More
Susan Shain
How Credit Cards With Car Rental Insurance Could Save You Big Bucks
Susan Shain | Nov 10, 2018

Looking for credit cards with car rental insurance? This post explains the different options and terms — and selects four cards with the best coverage.

Read More
Kat Tretina
Review of the Bank of America Premium Rewards Credit Card
Kat Tretina | Nov 07, 2018

Looking for a new travel rewards credit card? Check out the Bank of America Premium Rewards card, offering 2X points on travel and dining for a $95 fee.

Read More