American Express Starwood Credit Card

Starwood Preferred Guest® Credit Card from American Express

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American Express is a NerdWallet Partner
Card Details

Signing Promotion

Limited Time Offer: Earn 30,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.

Reward Rate

2.30%

Annual Fee

$0 the first year, then $95

APR, Variable

Min APR: 15.24%, Variable
Max APR: 19.24%, Variable
Penalty APR: Up to 29.24%, Variable
Cash Advance APR: 25.24%, Variable

Intro APR Promotions

None
Card Features

Partner Redemption

Sheraton, W, Westin, St Regis, Aloft, and more

  • Limited Time Offer: Earn 30,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • New: No Foreign Transaction Fees on international purchases.
  • New: Receive free in-room, premium internet access. Booking requirements apply.
  • New: Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • Earn free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates.
  • Some hotels may have mandatory service and resort charges.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and limitations apply.
thumbsupPros
  • High rewards rate
  • No foreign transaction fee
thumbsdownCons
  • Has annual fee
  • Needs excellent credit
  • Rewards only valuable if you stay at Starwood properties frequently
Disclaimer: Any editorial content is not provided or commissioned by American Express. Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through the American Express Affiliate Program.

NerdWallet Review

Author: Erin El Issa

The Starwood Preferred Guest® Credit Card from American Express is one of the Nerds' favorite hotel cards. It offers up to 5 Starpoints per dollar spent at participating SPG locations, and 1 Starpoint on all other purchases, plus a signup bonus: Limited Time Offer: Earn 30,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months. But what really sets the Starwood Preferred Guest® Credit Card from American Express apart is its high value per point. We estimate one Starpoint to be worth 2.4 cents when redeemed for free hotel stays. The annual fee is $0 the first year, then $95.

Want more information? Check out our full review of the Starwood Preferred Guest® Credit Card from American Express and our review of the SPG Starpoints program.

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