Starwood Preferred Guest® Credit Card
- Earn 10,000 Starpoints® with your first purchase — enough for up to 3 free nights at a category 1 or 2 hotel
- Earn 15,000 bonus Starpoints after you spend $15,000 in 6 months
- 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
- Transfer Starpoints® — almost always on a 1:1 basis — to the frequent flyer programs of over 30 major airlines
- Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners
- No annual fee for the first year and $45 thereafter
- Express Approval. Get a decision in less than 60 seconds
*See Card Terms and Conditions
APR for Balance Transfers: 2.90% (for 6 Months)
Intro APR for Purchases: 2.90% (for 6 Months)
Balance Transfer Fee: None if submitted with this application
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $45, First Year Free
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Reward Program: Starpoints
Credit Line: Up to $100,000
The Card That Earns Nights AND Flights:
- Earn 10,000 Starpoints® with your first purchase**— enough for up to 3 free nights at a Category 1 or 2 hotel**
- Plus — earn an additional 15,000 Starpoints when you spend $15,000 in 6 months*
- Starpoints for free nights and upgrades at over 825 participating Starwood hotels and resorts in 95 countries
- Transfer Starpoints — almost always on a 1:1 basis — to the frequent flyer programs of over 30 major airlines**
- Earn one Starpoint for every dollar of eligible spending** and double Starpoints on Starwood stays and purchases made at select Starwood retail outlets**
- First year fee-free and only $45 thereafter**
** See web site for complete terms & conditions.
Fundamentals of the Card
Earn travel rewards faster than ever before and use them anyway you want.
The Starwood Preferred Guest Credit Card lets you earn free nights at over 825 participating hotels and resorts in 95 countries, including Four Points® by Sheraton, Sheraton®, W® Hotels & Resorts, Le Meridien®, The Luxury Collection®, Westin® and St. Regis®.
- No blackout dates and free nights start as low as 2,000 Starpoints.
- Transfer Starpoints to over 30 major airlines, almost always on a 1:1 basis, and enjoy a 5,000 Starpoint bonus when you transfer 20,000 Starpoints to miles (enough to get you to the 25,000 miles you need for a free domestic ticket in most programs).1 2 3 4
How to Earn Starpoints:
- Earn 10,000 Starpoints with your first purchase - enough for up to three free nights.
- Earn 1 Starpoint for virtually every dollar you spend on the Card and double Starpoints at participating Starwood hotels and resorts.
- Earn double Starpoints® on stays and purchases made at select Starwood retail outlets - that's in addition to the Starpoints you earn as a Starwood Preferred Guest® member. 5 6 7 8
Benefits of the Card
The first year of Cardmembership is fee free, with an annual fee of just $45 per year thereafter. There is a six-month 2.90% introductory APR on purchases, then Prime plus 9.99% and a grace period up to 20 days. Additional cards are fee-free, so you can share virtually all the benefits and services with family members and watch those Starpoints add up even faster!
Transfer Balances Fee-Free
Transfer balances from your higher-rate MasterCard®, Discover®, and Visa®: cards to your American Express®: Card account with no transaction fee! Then enjoy a low fixed rate of 2.9% for the first 6 months of Cardmembership on Balance Transfer requests submitted with this application.
Dedicated Customer Service
American Express is here to help you around the clock, with the kind of Customer Service that keeps Cardmembers loyal for a lifetime. For immediate service, call the phone number on the back of your Card.
Your Year End Summary: Now Available Online
Your Online Year End Summary of Charges gives you access to important information 24 hours a day, seven days a week. Flexible features make organizing your expenses a snap - download the Summary and print it out; sort by date, merchant name, or charge amount; review charges made within a category, such as Travel and Restaurant. Your Year End Summary is an indispensable tool for preparing taxes and budgeting. You may also receive a paper Year End Summary in the mail by calling the number on the back of your Card.
Access Your Account Online
You can view up-to-date billing information online, including transactions, charges, and payments.
Shopping with the Card
Buyer's Assurance
With the Buyer's Assurance Plan, you can shop worry-free knowing that the terms of the original manufacturer's warranty will be matched up to one additional year, on warranties of five years or less that are eligible in the U.S.9
Fraud Protection Guarantee
Use the American Express Card online or off, and you won't be held responsible for any unauthorized charges. Period. No fine print, no deductible-just pure protection, so you can shop with confidence.
Purchase Protection Plan
Shop with confidence and the Purchase Protection Plan, which protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase. 10
Return Protection
If you try to return a designated item within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the full purchase price, up to $300 per item, excluding shipping and handling and up to a maximum of $1,000 annually per Card Account 11
American Express Selects
Offers, savings, entertainment, and special events. American Express Selects puts together great brands, Online ExtrasSM, and much more - all in one great place.
Traveling with the Card
Emergency Card Replacement
Enjoy the security and convenience of access to Emergency Card Replacement services by calling 1-800-964-8542. 12
Travel Accident Insurance
Travel Accident Insurance provides up to $100,000 in accidental death and dismemberment insurance while traveling on a Common Carrier Conveyance (plane, train, ship, helicopter, or bus) when the entire fare has been charged to the Card. 13
Car Rental Loss and Damage Insurance
Relax and enjoy the ride when you use your eligible Card to reserve and pay for an auto rental! The Car Rental Loss and Damage Insurance Plan provides coverage for theft of or damage to most rental vehicles. Simply decline the collision damage waiver (CDW) or similar option offered by the Commercial Car Rental Company. This coverage is excess to your other sources of insurance. Coverage applies for the first 30 days of an auto rental if rented from a Car Rental Company. Just call 1-800-338-1670 for more information and eligibility requirements. 14
Global Assist® Hotline
Whenever you travel more than 100 miles from home, you have security and peace of mind 24/7 with medical, legal, financial or other emergency assistance, including medical and legal referrals, visa/passport help, cash access, lost luggage and more. 15
1 Free Night Awards apply to standard rooms only as defined by each participating hotel and resort; contact the hotel or resort before booking to check availability
2 Starpoints required for a free night range from 2,000 Starpoints for a weekend night in a standard room at a Category 1 hotel to 35,000 Starpoints for any night in a standard room at many Category 7 hotels. For complete information on reward stays, visit www.spg.com.
3 For a list of participating airlines, transfer ratios and full program details, go to www.spg.com. Participating airlines and transfer ratio are subject to change. Check with your frequent flyer program for details on redemption of airline miles.
4 A domestic ticket includes airfare only. Fees, taxes, and terms and conditions vary by airline. Check with your frequent flyer program for details.
5 To be eligible to receive 10,000 bonus Starpoints, you must make your first purchase with the Starwood Preferred Guest® Credit Card within one year of Card approval. Bonus points will appear on your Starwood Preferred Guest statement 8-12 weeks after your first purchase. Bonus Starpoints are for first-time Starwood Preferred Guest Credit Cardmembers only. You may have more than one Starwood Preferred Guest Credit Card account; however, if you have or had any such account you are not eligible to receive bonus Starpoints you may be offered for any other such account.
6 Three nights are based on two weekend nights and one mid-week night in a standard room at a Category 2 hotel or three nights in a standard room at a Category 1 hotel. Starpoints required for a free night range from 2,000 Starpoints for a weekend night in a standard room at a Category 1 hotel to 35,000 Starpoints for any night in a standard room at many Category 7 hotels. Other examples of how you can redeem 10,000 Starpoints for free nights in a standard room include: 2 weekend nights and 2 weekday nights at a Category 1 hotel; two weekend nights at a Category 1 hotel and two weekend nights at a Category 2 hotel; one night at a Category 3 hotel and one night at a Category 1 hotel; or one night at a Category 4 hotel. For complete information on reward stays, visit www.spg.com.
7 Eligible Spending includes purchases of goods or services, which purchases have not been returned or otherwise rescinded, and are not subject to a credit; it does NOT include fees, Finance Charges, Cash Advances (including the use of checks, line activators, automated teller machines or other means of accessing your account), Balance Transfers, or adjustments to your account. We reserve the right not to award any Starpoints for transactions we determine are not made with the good faith intention of consuming the item charged.
8 You will receive one additional Starpoint for each U.S. dollar of Eligible Spending charged on your Card account at Starwood-branded hotels and resorts then participating in the Starwood Preferred Guest loyalty program, and at standalone retail establishments and online stores that, in each case, are wholly owned by Starwood Hotels & Resorts Worldwide, Inc. Starwood associates do not receive any additional Starpoints as a Starwood Preferred Guest member for hotel stays and spend.
9 Buyer's Assurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 and is subject to change with notice. This document does not supplement or replace the Policy.
10 Purchase Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 and is subject to change with notice. This document does not supplement or replace the Policy.
11 Coverage is limited to $300 per item, excluding shipping and handling, and up to a maximum of $1,000 annually per Card Account and is subject to additional Terms, Conditions and Exclusions.
12 Not all services available at all locations and all are subject to local laws and cash availability.
13 Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, De Pere, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0948 and is subject to change with notice. This document does not supplement or replace the Policy.
14 Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0925 and is subject to change with notice. This document does not supplement or replace the Policy.
15 While the many Global Assist Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers.
See web site for complete terms & conditions