Starwood Preferred Guest® Credit Card from American Express

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American Express

Card Highlights:

Card Category:	Consumer
Card Type:	Unsecured
Required Credit Rating:	Excellent / Good
Issuing Country:	United States

Available Rewards:


Miles	Cash	Points	Charity

About:

No annual fee for the first year and $45 thereafter.

Earn up to 25,000 Starpoints® - enough for up to 6 free nights at a category 1 or 2 hotel.

Use Starpoints® for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates.

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.

Express Approval. Get a decision in less than 60 seconds.

Credit Card Rates:

Purchases:

Introductory APR:	2.9%
Introductory Period:	6 months
Ongoing APR:	15.24%
Default APR:	see terms
Minimum Grace Period:	25 days
Minimum Finance Charge:	$0.50

Balance Transfers:

Introductory APR:	Yes
Introductory Period:	Yes
Ongoing APR:	Yes
Default APR:	see terms
Minimum Grace Period:	n/a
Minimum Finance Charge:	$0.50

Cash Advances:

Introductory APR:	n/a
Introductory Period:	n/a
Ongoing APR:	see terms
Default APR:	see terms
Minimum Grace Period:	n/a
Minimum Finance Charge:	$0.50

Credit Card Transaction Fees:

Balance Transfer Fees:

Minimum:	$0⁴
Fee Rate:	n/a
Maximum:	n/a

Cash Advance Fees:

Minimum:	$5
Fee Rate:	3%
Maximum:	n/a

Foreign Exchange Fees:

Minimum:	n/a
Fee Rate:	n/a
Maximum:	n/a

Credit Card Other Fees:

Initial Fees:

Setup Fee:

Maintenance Fees:

Annual Fee:

$0¹

Penalty Fees:

Late Payment Fee:

$19

¹ No annual fee for the first year - $45 thereafter.
⁴ There is no balance transfer transaction fee associated with this offer. However, future balance transfers may incur a fee as disclosed at the time of the applicable offer or transaction.

What can I do to improve my credit score?

A higher score can give you more financial options and many favorable credit offers. If you already have a good score, you can still improve it. There is no way to instantly boost your credit score.

Getting Approved for a Credit Card
Guide to Balance Transfers
Use your cash advance wisely
Get out of Credit Card Debt
Everything About Creditors
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A One-Two Punch
Rewarding Behavior

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