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The Starwood Preferred Guest Credit Card from American Express

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Card details
Network provider
American Express
American Express
Card type
Fees and interest
Annual fee
Purchase interest rate
Cash advance rate
*provided you make your minimum monthly payments on time
Balance transfer rate
Credit score required
Excellent (750-900) Good (650-749) Fair (575-649) Bad (300-574)
  • 24/7 Customer Service
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Benefits

The Starwood Preferred Guest (SPG) Credit Card from American Express is a rewards card with an annual fee of $120 that is available to individuals with a top-tier credit score of 720-850. The SPG card gives members access to exclusive offers and an opportunity to redeem Starpoints for travel, including flights, hotels and experiences.

One Starpoint is earned for every $1 in purchases charged to an SPG card. If, however, members accumulate $1,500 worth of charges to the card within their first three months of using it, they automatically receive 20,000 bonus Starpoints.

And there's a bonus offer — you can earn 2 Starpoints for every $1 spent on eligible purchases at participating SPG and Marriot Rewards hotels until July 31, 2018. 

Redemption options for Starpoints range from free stays at more than 1,200 first-class hotels in nearly 100 countries to free flights.

It takes $30,000 in purchases each year to become a Starwood Gold Preferred Guest. With $40,000 in purchases each year, members receive a Free Weekend Night Award.

In addition to reward-related perks, members also get invitations to fantastic events through SPG Moments and American Express Invites. These include shopping, food, and live artistic experiences.

Should members wish to add a supplementary card, American Express will cover the first year's annual fee, which carries a value of $50.


Why get the Starwood Preferred Guest credit card?

Support when you need it - ​SPG provides members with 24/7 customer service. Whenever you're in a bind, or just have some casual questions, get quick answers and the information you need.

Extended warranty coverage - Purchases made with the SPG card come with the benefit of an extended warranty. Just make sure to hold onto your manufacturer's warranty and the purchase receipt.

Don't get burned by thievery - ​Anything bought with an SPG card is automatically insured in the event that someone steals it. As long as you can prove that you bought your item on the card and that a theft took place, SPG has you covered with purchase protection.

No rental car insurance worries - Rental car insurance is one thing you won't have to worry about when you have an SPG card. Any claims you need to make are handled for you.

Enjoy travel and entertainment benefits - SPG offers an impressive selection of travel and entertainment benefits and exclusive members-only offers.