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Starwood Preferred Guest® Credit Card from American Express®
Issued By: American Express |
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First Year Fee-Free and Only $45 Thereafter
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Earn One Starpoint® for Every Dollar You Spend and Double Starpoints® at Participating Starwood Properties and Retail Outlets
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Transfer Starpoints® - Almost Always on a 1:1 Basis - to the Frequent Flyer Programs of over 30 Major Airlines
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Use Starpoints® for Free Nights and Upgrades at over 825 Participating Starwood Hotels and Resorts in 95 Countries
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Plus - Earn an Additional 15,000 Bonus Starpoints® When You Spend $15,000 In 6 Months
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Earn 10,000 Starpoints® with Your First Purchase - Enough for Up To 3 Free Nights
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CreditCard49 Rating
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Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Intro Good On |
Credit Needed |
2.90% |
6 months |
18.240% |
$45.00 |
Purchases, Balance Transfers |
Very Good |
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Card Info Last Reviewed 2007-09-07 |
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Our Review
The Starwood Preferred Guest® Credit Card from American Express® is designed for those with good credit who frequently stay at Starwood hotels and resorts and plan to take advantage of the various benefits and services that are provided.
In reference to the reward program, one point is earned for every dollar spent on the card and double points are earned at participating Starwood properties and retail outlets. Cardholders also earn one additional point per $1 spent on qualified purchases through their membership in the Starwood Preferred Guest® loyalty program. Points can be redeemed for various travel services, such as free hotel stays and airline travel. Cardholders also earn 10,000 bonus points after their first purchase, which is enough for up to three free nights and 15,000 Bonus Starpoints® after spending $15,000 In 6 months. Points do not expire as long as the account is active within a one-year period.
Perhaps what is most impressive about the program is the fact that cardholders can transfer earned points to a variety of frequent flyer programs. In addition, when a cardholder transfers 20,000 Starpoints into miles, they are awarded 5,000 bonus miles.
Aside from the reward program, the card does offer a variety of benefits such as travel accident insurance, auto rental insurance, discounts via the Offer Zone, and various fraud protection services (see website for all benefits available).
The interest rate for purchases is considered above average (for a reward card), and there is an annual fee of $30 that is waived the first year. There is also a low introductory rate for purchases and balance transfers for the first six months.
Therefore, those who can afford to pay in full each month after the introductory rate expires (to avoid finance charges), frequently stay at Starwood hotels and resorts (to earn additional points), and can accumulate enough points for a free hotel stay or other travel-related service within a two-year period will benefit most from what the Starwood Preferred Guest® Credit Card from American Express® has to offer.
Additional Perks
Various Internet account related services.
Year-end financial statement.
Extended warranty for purchases.
No liability for unauthorized Internet transactions.
Purchase protection.
Return protection.
Price protection service.
Access to the Offer Zone for various discounts at participating retailers and merchants.
Emergency card replacement.
Emergency cash replacement.
Up to $100,000 in travel accident insurance.
Auto rental insurance.
Various travel and emergency assistance services.
Medical referral services.
Legal referral services.
See website for additional benefits.
Notations
Card is currently unavailable to residents of Puerto Rico.
See website for complete terms and conditions of card usage and application disclosure.
View Website Details
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