Starwood Preferred Guest® Credit Card from American Express


The Starwood Preferred Guest Credit Card from American Express is a great card for travelers, offering excellent rewards along with some very valuable shopping and travel benefits.

Cardholders will earn 6X Bonus points per dollar at SPG/Marriott properties from the card, plus 11X Base points for the complimentary Silver Elite hotel member status. Silver Elite status also comes with benefits like priority late checkout, a dedicated reservation line, and mobile room keys.

You can earn 75,000 bonus points by spending $3,000 in the first 3 months, a solid signup bonus that’s fairly easy to get.

One of the most valuable card perks is the annual Free Night Award, which you’ll start getting after your first year with the card. There’s a fast track to Gold Elite status by spending $30,000 in a calendar year, and you’ll also get 15 Elite Night Credits towards a higher status every year.

Complimentary premium internet access is provided at participating SPG/Marriott properties.

The SPG credit card has a $95 annual fee, waived the first year. And you’ll pay no fee on foreign transactions.

Card Quick Facts

Card Quick Facts

  • 6X Base points per dollar at SPG/Marriott properties.
  • Complimentary Silver Elite member status, with 11X Base points per dollar at SPG/Marriott.
  • Earn 75,000 bonus points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Free Night Award every year after your cardmember anniversary.
  • 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.
  • Shopping and travel protections
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $95.

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 6X Bonus points per dollar at SPG and Marriott properties
  • 2X Bonus points per dollar for all other purchases
How to Redeem

Introductory Bonus

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

Card Stats

Annual Fee $95, $0 the first year
Additional Cards Annual Fee -
Regular Purchase APR 17.74%–26.74% Variable
Intro Purchase APR -
Foreign Transaction Fee None
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 27.24% 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.

  • Free Night Award

    Get one Free Night Award every year after your account renewal, good for redemption levels of 35,000 or less.

  • Automatic SPG Silver Status

    Includes a 10% bonus on Base points earned, priority late checkout, a dedicated reservation line, and more.

  • Fast Track to SPG Gold Status

    When you spend $30,000 or more in each year, receive Gold status for the next year. (Threshold increases to $35,000 in 2019.)

  • 15 Elite Night Credits

    Get 15 Elite Night Credits each year towards a higher hotel member status.

  • Bonus Points When Transferring To Flights

    Get 15,000 bonus Starpoints for every 60,000 points transferred to a frequent flyer program.

  • Free In-room Premium 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 hotels booked through Amex Travel.

  • Entertainment Access

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

  • No Blackout Dates

    On award night and Free Night redemptions.

  • Complimentary ShopRunner Membership

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

  • $0 Fraud Liability

    You won’t be held responsible for unauthorized charges.

  • 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.

  • Instant Card Number

    Use your new card account instantly if Amex can verify your identity (you may not have access to the full credit line).

  • Extended Warranty

    Eligible manufacturer’s warranties of 5 years or less can be doubled by up to two additional years.

  • Purchase Protection

    Items purchased with your card are protected against accidental damage and theft within 120 days purchase (90 days for NY residents).

  • Return Protection

    Provides a refund for eligible purchases if the retailer won’t take an item back within 90 days.

  • Travel Accident Insurance

    Added financial security if an accident or death is caused when traveling by plane, train, ship, or bus.

  • Baggage Insurance Plan

    Provides coverage if a common carrier loses your eligible bags or damages their contents.

  • Global Assist® Hotline

    When traveling 100 miles or more from home provides help with travel accidents such as a lost passport, the need for a lawyer, sudden illness, and more. Third-party service costs apply.

  • 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

    Covers theft and collision damage for eligible rented vehicles, when the rental company’s insurance is declined. Provides secondary coverage only, not liability coverage.

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