The Starwood Preferred Guest® Credit Card from American Express is a great card for travelers, offering great rewards along with some very valuable shopping and travel benefits.
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- Annual Fee $95 (waived the first year)
- Intro Purchase APR -
- Regular Purchase APR 16.49% – 20.49% 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 16.49% – 20.49% Variable
- Cash Advance APR 26.49% Variable
- Penalty APR 29.99% Variable
- Late Fee Up to $38
- Returned Payment Fee Up to $38
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.
Automatic SPG Preferred Status
Includes some complimentary services and discounts of up to 30% at Starwood hotels and resorts, which includes 11 brands and over 1,500 locations worldwide.
SPG Gold Status
When you spend $30,000 or more in each year, receive Gold status for the next year.
Fast Track to SPG Gold and Platinum Status
Get 5 nights and 2 stays towards SPG elite status each year (20 more nights to reach Gold, 45 more nights to reach Platinum).
Bonus Points When Transferring To Flights
Get 5,000 bonus Starpoints for transferring 20,000 miles to a frequent flyer program.
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.
Register for Cross-Over Rewards
You’ll be able to register your card with a number of other merchants and frequent traveler programs, which will let you earn points at a rate of 1 per dollar with those merchants when you use your SPG card.
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.
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