The Starwood Preferred Guest® Credit Card from American Express is a great card for travelers, offering great rewards and shopping and travel benefits.
Insider Tip: You may be able to get the annual fee on this card waived. Just call customer service and ask nicely to have it waived, explaining that you’ve been a good, responsible customer for some time. Or, if you’re thinking of canceling the card, you can let them know that you’d consider staying with them if they waive the fee. In some cases they may offer a different incentive, like bonus points.
And if you’re in the military on active duty, you can submit an online request for SCRA benefits, which will probably include having the annual fee waived.
- Annual Fee $95 (waived the first year)
- Intro Purchase APR -
- Regular Purchase APR 15.49% to 19.49% *Variable
- Earn up to 5 points for every $1 spent on eligible purchases at participating SPG hotels – 2 points as a card member and 2-3 points as an SPG member.
- Earn up to 1 point for every $1 spent on all other purchases
- Signup Bonus 25,000 points when you spend $3,000 in the first 3 months
- Chip Technology Chip-and-Signature
- Foreign Transaction Fee None
- Intro Balance Transfer APR -
- Regular Balance Transfer APR 15.49% to 19.49% *Variable
- Cash Advance APR 25.49% *Variable
- Penalty APR 29.49% *Variable
- Late Fee Up to $37
- Returned Payment Fee Up to $37
Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.
SPG Gold Status
When you spend $30,000 or more in each year, receive Gold status for the next year.
Transfer Points for Flights
Get 5,000 bonus Starpoints for transfering 20,000 miles to a frequent flyer program.
Annual SPG Elite Status Credits
Get 5 nights and 2 stays towards SPG elite status each year (20 more nights to reach Gold, 45 more nights to reach Platinum)
Free In-room Premium Internet
Some booking requirements apply.
Complimentary In-room Bottled Water
Get free bottled water waiting for you in your room.
Unlimited Boingo Wi-Fi
Up to 4 devices at more than 1,000,000 Boingo hotspots worldwide.
Lowest Hotel Rate Guarantee
If you purchase reservations at a hotel on amextravel.com and find the same room being advertised for less elsewhere, you can have difference refunded to you.
Discounts to card member-only events, concerts, sporting events, and shows.
No Blackout Dates
On Free Night redemptions.
Get alerts about account information on your phone.
Mobile & Tablet Banking
Pay your credit card bill online, transfer funds, check available credit and more.
Help dealing with fraudulent and unauthorized transactions.
For warranties of 5 years or less you can get up to one extra year added to the original manufacturer’s warranty; up to a maximum of $10,000, only $50,000 per year.
Items purchased with your card are protected against accidental damage and theft within 90 days of the purchase.
Provides a refund for eligible purchases if the retailer won’t take an item back.
Free ShopRunner Membership
ShopRunner provides free shipping on some items. Visit their website to register.
Travel Accident Insurance
Added financial security if accident or death is caused when traveling by plane, train, ship, or bus.
Global Assist® Hotline
When you travel 100 miles or more from home you can get help with travel accidents such as a lost passport, the need for a lawyer, sudden illness, and more. You pay for all third-party service costs.
Roadside Assistance Hotline
Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency. You cover third party costs. Restrictions Apply.
Car Rental Loss and Damage Insurance
Stolen or damaged vehicles are covered if you use your card to pay and reserve the rental, and you decline the collision damage waiver. Not all rentals or vehicles are covered. Provides secondary coverage only, not liability coverage.