 Starwood Preferred Guest Credit Card
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Intro APR: 2.9%
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Issuer: American Express
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Fundamentals of the Card
The Card That Earns Nights AND Flights
The Starwood Preferred Guest Credit Card lets you earn free nights at Starwood's over 750 hotels and resorts worldwide, including Westin® Hotels & Resorts, Sheraton® Hotels & Resorts, Four Points® by Sheraton, St. Regis®, Luxury Collection® and W Hotels®.
- Redeem for free nights starting as low as 2,000 Starpoints, with no blackout dates or availability restrictions
- Redeem Starpoints with over 25 major airlines, most on a 1 to 1 basis, and enjoy a 5,000-Starpoint bonus when you transfer 20,000 Starpoints to miles
- Receive an annual 50% off for a future stay charged to the Card at participating Starwood hotels and resorts
How to Earn Starpoints
- Earn one Starpoint for every eligible $1 charged with the Card for any purchase
- Earn three Starpoints for every eligible $1 you spend at Starwood hotels and resorts. That's two Starpoints you earn as a Starwood Preferred Guest, plus an additional Starpoint just for paying with the Card
- Receive 1,000 bonus Starpoints upon first use of the Card for payment of an eligible stay at a Starwood hotel or resort
- Receive 500 bonus Starpoints for every additional eligible stay charged to the Card within the first 12 months of Cardmembership, up to a maximum of 10 stays (5,000 Starpoints) 1 2
Benefits of the Card
The first year of Cardmembership is fee free, with an annual fee of just $30 per year thereafter. There is a six-month 2.90% introductory APR on purchases, then Prime plus 9.99%, a grace period up to 20 days, and a line of credit up to $100,000. 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! 3
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.
Unparalleled Customer Service, 24 hours a day
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 Online Year End Summary
Your Year End Summary of Charges, available online as of February 5, 2004, 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.
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 Detailed information about this credit card 2/2
 Apply for Starwood Preferred Guest Credit Card
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- Transfer your balance to Starwood Preferred Guest Credit Card
Be alert for companies offering a great interest rate for transferring your balance to their card. Usually these rates are only in effect for a short time, often six months. At the end of this time, the rate can revert to a much higher permanent rate. Keep your eye on the Annual Percentage Rate (APR); this is the figure that counts in the long run. Balance transfer credit cards are .
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- Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.
The best is the 0 APR of course.
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