American Express Starwood Credit Card

Starwood Preferred Guest® Credit Card from American Express

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Card Details

Signing Promotion

Earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership.

Reward Rate

2.30%* question

Annual Fee

$0 introductory annual fee for the first year, then $65

APR, Variable

APR: 15.24% - 19.24% variable
Penalty APR: 27.24%, Variable
Cash Advance APR: 25.24%, Variable

Intro APR Promotions

None
Card Features

Partner Redemption

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

  • Starpoints® bonus: earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership
  • That's enough for a weekend getaway to a Category 4 Hotel.
  • Free Hotel Nights: redeem Starpoints at over 1,100 hotels in nearly 100 countries worldwide - with no blackout dates. Some hotels may have mandatory service and resort charges.
  • Free Flights: redeem Starpoints on over 350 airlines with SPG Flights - with no blackout dates
  • No limits on the number of Starpoints you can earn
  • $0 introductory annual fee for the first year, then $65
  • Terms and Restrictions apply.
Apply Now

on American Express's
secure website

thumbsupPros
  • High rewards rate
thumbsdownCons
  • Has annual fee
  • Needs excellent credit
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.

Editor's Review

Author: Tim Chen

Verdict - NerdWallet estimates rewards are about 2.3% when redeemed at Starwood hotels.

How much is a Starwood Hotels Starpoint worth?

We recommend you redeem at hotels, where points are worth about 2.3 cents each (see our tables below). The other alternative is to redeem for airline miles. You can exchange 20,000 Starpoints for 25,000 airline miles on most US airlines, with the exception of United and Continental. In that scenario a Starpoint is worth about 1.25 cents.

How does the Starwood Preferred Guest card work?

The card links up to your Starwood account, and earns 1 point per $1 spent on purchases, and 2 points per $1 spent at Starwood hotels. See our review of the Starwood Points program for more details on how we arrive at our 2.3 cent point value assumption. In exchange for these benefits, there is an annual fee of $65, which is waived the first year. The APR is average as far as top rewards credit cards go.

Are there other cards with better rewards? This depends on how you redeem your Starpoints. A good way to find out is by looking at redemption options on our Starpoints Reward Program Review, and assessing what you think is realistic. The easiest way to compare cards is by using our credit card comparison tool and sorting by Rewards, but suffice to say that the Starwood card is one of the best options out there for any usage pattern.

Are there other cards with better rates? Again, we point you towards our low APR credit card comparison tool where you can sort by Effective Annual Rate. Our calculation takes into consideration introductory APR periods, and ongoing APR rates. There are many better alternatives than SPG, the options are too numerous to list.
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