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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
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.