Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express

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Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express

Card details

  • Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.

  • Earn 6 points for each dollar of eligible purchases at participating SPG® and Marriott Rewards® hotels and 2 points on all other eligible purchases.

  • No Foreign Transaction Fees on International purchases.

  • Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 35,000 points) at a participating hotel. Select hotels have resort fees.

  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.

  • $0 introductory annual fee for the first year, then $95.

  • Terms Apply.

  • View Rates and Fees

Rates, fees & offers

  • Annual fee

    $0 for the first year, then $95

  • Rewards rate

    2.00%

  • Bonus offer

    Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months. Terms Apply.

  • Intro APR

    N/A

  • Ongoing APR

    APR: 17.99% - 26.99% Variable APR

    Penalty APR: 29.99%, Variable

    Cash Advance APR: 27.49%, Variable

  • Balance transfer fee

    Either $5 or 3% of the amount of each transfer, whichever is greater.

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

American Express Starwood Credit Card

Starwood Preferred Guest® Credit Card from American Express

Annual Fee

$0 for the first year, then $95

Annual Fee

$95

Annual Fee

$0

Regular APR

17.99% - 26.99% Variable APR

Rates & Fees

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Regular APR

14.99% - 23.74% Variable APR

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

0% intro APR on Purchases for 15 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Claire Tsosie

Rating details

4.3

Editor's overall rating

Pros and cons

Pros
  • High rewards rate

  • Flexible rewards redemption

  • No foreign transaction fee

  • Bonus offer for new cardholders

Cons
  • Has annual fee

  • Requires good/excellent credit

The Starwood Preferred Guest® Credit Card from American Express is more about function than flash — and for travelers who frequent hotels, that's what makes it well worth its annual fee of $0 for the first year, then $95.

The card comes fully stocked with five-star benefits, including an annual free night award, automatic Silver Elite status and a rich sign-up bonus. Although those who prefer to redeem points for high-end hotel stays likely won't snag as many good deals as they could have with the previous version of this card, the new perks on the current offer still make it a valuable option.

You'll also get a nice signup bonus: Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months. Terms Apply. The annual fee is $0 for the first year, then $95.

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