- NerdWallet claims that it’s their favorite hotel credit card and touts it as a “great pick for the luxury-hotel enthusiast”
- Earn up to 5x the points at participating Starwood hotels and 2x more points at Marriott Hotels
- Receive 1 point for every $1 spent using this card, but Starpoints are worth more than your average point at 2.4 cents each.
People choose the Starwood Preferred Guest Credit Card based on an existing affinity to their partner hotels. This might be the reason why people initially choose the card, but they stick with it because of the flexibility when it comes to reward redemption. No, you don’t just have to use this best American Express card for hotels—it can also be used with Starwood’s airline partners. Add in the fact that Starpoints are worth more than the average point (at 2.4 cents), and the fact that there are no foreign transaction fees, and it’s easy to see why this card is favored by travelers of both a personal and business nature.
What’s the catch? If you could call it that, there’s the fact that the signup bonus isn’t quite as generous as similar hotel credit cards or travel credit cards. There’s also the fact that as far as redeeming free hotel stays, you’ll need to visit a Starwood or Marriott property to make use of your rewards. If you don’t frequent these chains, you might want to consider a different credit card.
Application Process: Online, and you’ll have to login to your American Express account to get started.
Annual Fee: $95, which is graciously waived for your first year of card use.
APR: A variable rate between 16.24% to 20.24%.
Rewards: People love this card specifically because of the rewards it provides. Besides the ability to redeem Starpoints for free hotel stays, points earned through the credit card and the SPG loyalty program can also be exchanged for loyalty rewards at most airlines. It's perks like these that make the card especially appealing to travelers. Also because of this, the Starwood Preferred Guest program offers more flexibility than most co-branded travel cards with its transfer partners.
Bonus Offers: Earn 30,000 bonus points when you use your credit card to pay for purchases up to $3,000 within the first 3 months of opening an account. As an awesome additional bonus, if you spend $30,000 in a calendar year, you automatically get upgraded to the Gold tier of the Starwood Preferred Guest program.
Variable APR16.49% - 20.49%
Cash Advance APR26.49%
Bonus OffersEarn 25,000 Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months. Terms Apply.
Annual Fee$0 for the first year, then $95
- Rated #2 in 5 Best American Express Cards