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The Starwood Preferred Guest® Credit Card from American Express: The Top Hotel Rewards Card

Starwood Preferred Guest® Credit Card from American Express
This card is not available through ValuePenguin.
Starwood Preferred Guest® Credit Card from American Express
This card is not available through ValuePenguin.

The Starwood Preferred Guest® Credit Card from American Express: The Top Hotel Rewards Card

The absolute best hotel rewards credit card, as well as one of the best travel cards around.
Editor's Rating: 5.0/5.0
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Editor's Rating

{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

5.0/5.0

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication. This site may be compensated through a credit card partnership.

The information related to the Starwood Preferred Guest® Credit Card from American Express has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. This offer is no longer available.

The Starwood Preferred Guest® Credit Card from American Express rates as one of our top hotel credit cards and also one of the best rewards card offers. The card comes with outstanding rewards, and the points that you earn with the card are highly flexible, giving you several options when you redeem them. The card has a business version that shares many of the same basic benefits, but with some additional features specific to business clients.

Review: One Of Our Favorite Rewards Credit Cards

For travelers that are on the road often and frequently finding themselves staying at an SPG or Marriott Rewards property we're positive that the Starwood Preferred Guest® Credit Card from American Express and its rewards program are must haves. The points you earn with this card are highly flexible, also making this card a great everyday option, with cardholders getting at least a 1.8% rewards rate on all their spending (based on our estimated point value of $0.009 multiplied by the points earned). Considering that the best cash back credit cards average around 1.5%, this card is a significantly better value proposition.

Who This Card Is Great For

If you use a personal card for business expenses. For people that may be putting work expenses on a personal credit card and are later reimbursed by their company, the Starwood Preferred Guest® Credit Card from American Express is a great way to earn rewards on your company's dime.

Rewards value optimizers. If you're all about making every penny count and care less about where you stay than you do how much you're saving, this is also the card for you. Given the card's high rewards, there are very few other credit card options that can get you more on every dollar you spend.

How It Compares To Other Top Travel Cards

The question most prospective cardholders ask is whether the Starwood Preferred Guest® Credit Card from American Express is worth it? In that context it's important to compare it to other options and see how it performs against other great travel cards like the Capital One® Venture® Rewards Credit Card and Chase Sapphire Preferred. These two cards act as general travel cards with rewards that have more flexibility, so would it make sense to still choose the Starwood Preferred Guest® Credit Card from American Express?

Starwood Preferred Guest® Credit Card from American Express vs Capital One® Venture® Rewards Credit Card

Let's first look at how the Starwood Preferred Guest® Credit Card from American Express compares to the Capital One® Venture® Rewards Credit Card. One of the major pluses of the Capital One® Venture® Rewards Credit Card offering is the category neutral rewards structure, 2 miles on everything equating to a flat 2% rewards rate. In most card comparisons this makes the Capital One® Venture® Rewards Credit Card come out favorably since it takes how you spend out of the equation. However, if most of your spending is at SPG or Marriott Rewards properties, the Starwood Preferred Guest® Credit Card from American Express is the clear winner since it'll net you greater rewards.

While the Starwood Preferred Guest® Credit Card from American Express has a broad array of redemption options, the Capital One® Venture® Rewards Credit Card lets you use the miles earned as statement credits on any travel expense. The company also has an expanded list of categories that fall under travel, making it one of the easiest rewards programs to use. As a primary card the Capital One® Venture® Rewards Credit Card fares a little better if you value choice..

Features and Benefits of The Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express
This card is not available through ValuePenguin.
Starwood Preferred Guest® Credit Card from American Express
This card is not available through ValuePenguin.

Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express
This card is not available through ValuePenguin.
Starwood Preferred Guest® Credit Card from American Express
This card is not available through ValuePenguin.
Annual Fee
$0 Intro Annual Fee for the first year then $95
*Rates and Fees
APR
Credit Needed
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Using Rewards

As we mentioned early, one of the unique characteristics of the card is the flexibility that cardholders can enjoy when it comes to spending accrued rewards. SPG and Marriott boast a broad selection of hotel and resort brands eligible for rewards redemption. In addition to booking award nights at related properties, points can be transferred to a number of airline partner loyalty programs. This extra feature can enable you to shop around for the best use of your points, choosing between a hotel stay or using points to top off a mileage award flight.

For rates and fees of the Starwood Preferred Guest® Credit Card from American Express, please click here.

Comments and Questions

Opinions, analyses, reviews, or recommendations expressed here are the author's alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer's Affiliate Program. For a full list of our advertisers see our disclosure page

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Info about the following cards: Premier Rewards Gold Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Amex EveryDay® Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, Starwood Preferred Guest® American Express Luxury Card, Amazon Business American Express Card, and Marriott Bonvoy Brilliant™ American Express® Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates are ValuePenguin's alone and for illustrative purposes only. The estimates are not a guarantee, agreement, or commitment to redemption amounts and may not have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred® Card points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

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