Our take

Whatever aspects of The Starwood Preferred Guest® Credit Card from American Express you might consider, the only one that really matters is the incredible value of Starpoints®. Earning two of them per dollar is one of the best travel card offers that ever existed.

Details
  • Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • $0 intro annual fee for the first 12 months, then $95.
  • Use your Card and earn 6 Starpoints® for every dollar spent on eligible purchases at participating SPG® and Marriott Rewards® hotels.
  • Earn 2 Starpoint for all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 35,000 points) at a participating hotel. Select hotels have resort fees.
  • No Foreign Transaction Fees.
  • Receive complimentary Silver Elite status with your Card. Earn Gold Elite status after spending $30,000 or more in eligible purchases on your Card in a calendar year.
  • Receive free in-room, premium Internet access while staying at participating SPG® and Marriott Rewards ® hotels.
Pros
Generous signup bonus
High rate of rewards
No foreign transaction fees
Cons
Has annual fee
Good to excellent credit score required
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Bonus offer
Bonus value
$2025
Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
Welcome bonus offer not available to applicants who have or have had this product.
Rewards
Hotel
6 points / $1
Other
2 points / $1
Balance transfer offer
Balance transfer regular apr
17.49-26.49%
variable
Balance transfer fee
3%
min $5
Rates and fees
Purchase regular apr
17.49-26.49%
variable
Cash advance apr
26.99%
variable
Regular annual fee
$95
Cash advance fee
3%
min $5
Foreign transaction fee
0%
Late payment fee
up to $38
Return payment fee
up to $38

Most travel cards are focused on earning points toward flights. This one is focused on an equally valid strategy of earning points toward hotel stays. The card offers a reasonable balance between the annual fee, the rewards, and the hotel-related benefits.

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