American Express Starwood Credit Card

Starwood Preferred Guest® Credit Card from American Express

American Express is a NerdWallet Partner
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 Card membership.

Reward Rate


Annual Fee

$0 intro annual fee for the first year, then $65.

APR, Variable

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

Intro APR Promotions

Card Features

Partner Redemption

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

  • Earn up to 25,000 bonus Starpoints®
  • Earn 10,000 Starpoints after your first purchase on the Card and an additional 15,000 Starpoints after you use your new Card to make $5,000 in purchases within the first 6 months.
  • Redeem Starpoints for free nights at over 1,100 hotels & resorts in nearly 100 countries and for free flights on over 150 airlines with SPG Flights - all with no blackout dates.
  • Some hotels may have mandatory service and resort charges.
  • Starpoints stay active as long as you continue to spend on your Card
  • $0 introductory annual fee for the first year, then $65.
  • Terms and Restrictions apply.
  • High rewards rate
  • 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.

NerdWallet 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. 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.

Cardholder Reviews

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