Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest Credit Card from American Express
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- Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5K within 6 months - enough for up to 6 free nights at a Category 1 or 2 hotel
- Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates
- 2011 SmarterTravel® Award for "Best Travel Rewards Card"
- $0 introductory annual fee for the first year, then $65

(4.5 out of 5.0)

Information - Rates - Fees

Intro APR:
N/A*
Applied Towards:
Purchases
Balance Transfer
Intro Period:
N/A*
APR:
15.24% - 19.24%*
APR Type:
variable
Annual Fee:
$0.00*
Issuer:
American Express
Card Network:
American Express®
Card Category:
Consumer (Regular)
Card Type:
Affinity Card
Co-Branded Credit Card
Reward Card
Credit Needed:
Good*
Grace Period:
N/A*
Min Finance Charge:
$0.50
Max Credit Line:
$100,000
Late Payment Fee:
N/A*
Over Limit Fee:
$35.00

Balance Transfers

Balance Transfer:
Yes!
APR on Balance Transfer (%):
2.90%
Transfer Fee (%):
0.00%

Cash Advances

APR on Cash Advances (%):
19.99%
Cash Advance Fee (%):
3.00%
Minimum Fee:
$5.00

Review

Starwood Preferred Guest credit card is reserved for those consumers who are frequent hotels and resorts in the Starwood chain. A mid term introductory APR period charges very low interest on purchases and balance transfers. Members incur an annual fee waived during the first year in charge.

Members making a first purchase receive 10,000 bonus points. These points already qualify to redeem up to 4 free nights at selected hotels. Purchasing earns single points on virtually every item and double points on Starwood purchases. Purchases from retailers under the Offer Zone receive special discounts. Points earned do not expire and there is no yearly limit.

Traveling members enjoy free travel accident insurance. Travel and emergency assistance, medical/legal referral, extended warranty on purchases, return protection and many more benefits applies to those card members who qualify.

Features

Most attractive:
- Bonus Starpointsreg;
- Additional points for staying at Starwood hotels and resorts
- No annual fee for the first year
Least attractive:
- Points expire if the account is not active within a one-year period

Rewards & Benefits

Reward Type:
Hotel Reward Cards
Reward Unit:
Point
Reward per every $1 spent:
1.00
Rewards:
- Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5K within 6 months - enough for up to 6 free nights at a Category 1 or 2 hotel
- Free nights, free flights: Redeem Starpoints with over 350 airlines and more than 1,000 hotels and resorts worldwide. No blackout dates
- Earn at least 4 Starpoints per eligible dollar at participating hotels & resorts
- 1 point for every other Dollar spent
- Use Starpoints for free nights and upgrades at over 860 participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
Expiration:
1 year
Yearly Limit:
25,000 Starpoints
Other Benefits:
- Access to the Offer Zone for various discounts at participating retailers and merchants
- Internet account related services
- Year-end financial statement
- Extended warranty for purchases
- Purchase protection
- Return protection
- Price protection service
- Auto rental insurance
- Emergency card & cash replacement
- Medical referral services
- Legal referral services
- Travel & emergency assistance services
- Up to $100,000 in travel accident insurance
- No liability for unauthorized Internet transactions

See website for additional benefits**
Online Access:
Yes!

The information provided for Starwood Preferred Guest Credit Card from American Express is believed to be accurate at the time of evaluation (Jan 12, 2012). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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