Starwood Preferred Guest® Credit Card from American Express

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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  • Rewards
    • 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

Card Benefits

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 and find the same room being advertised for less elsewhere, you can have difference refunded to you.

  • Entertainment Access

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

  • No Blackout Dates

    On Free Night redemptions.

Account Management

  • 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.


  • Dispute Resolution

    Help dealing with fraudulent and unauthorized transactions.


  • Extended Warranty

    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.

  • 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 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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