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Starwood Preferred Guest® Credit Card from American Express

  
The Starwood Preferred Guest® Credit Card from American Express is issued by American Express.
This card received a rating of 3.50 out of 5.00
Basic Credit Card Information
Introductory Rate: 2.9% APR for 6 Months
Time Period: 6 months
Rate Applied To: Purchases, Balance Transfers
Additional Details: The introductory rate is available on balance transfers submitted during the application process. Future balance transfers will be 9.99% + the current Prime Rate.
Regular APR: 14.99%
Variable or Fixed: Variable
Annual Fee: $45**
Annual Fee Details: **The annual fee will be waived for the first year. Thereafter, the fee is $45.
Application Fee: n/app
Participation Fee: n/app
Reload Fee: n/app
Inactive Fee: n/app
Total First Year Fees: n/app
Types Of Rewards: Point
Points Per Dollar Spent: 1 Point
Additional Points: Cardholders earn double points on stays and purchases made at select Starwood retail outlets, and they earn 1 additional point per $1 spent on qualified purchases through their membership in the Starwood Preferred Guest® loyalty program.
Point Details: Starpoints can be transferred to over 30 major airlines. There are no blackout dates and free nights start as low as 2,000 points.
Make sure to read the credit card's Terms and Conditions before applying!
Credit Card 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.

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 average (for a reward card), and there is an annual fee of $45 that is waived the first year. There is also a low introductory rate for purchases and balance transfers for the first six months. Future balance transfers will be 9.99% + the current Prime Rate.

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.

This review was updated 2008-06-18T00:00:00.0000000-07:00
Additional Information
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.

Special Notations about the Starwood Preferred Guest® Credit Card from American Express:

Card is currently unavailable to residents of Puerto Rico. See website for complete terms and conditions of card usage and application disclosure.