Click the stars to submit your rating.
Thanks for rating!
3.0/5.0 from 5 Offer Ratings
Over the Past 60 Days!
An Advertising Partner
Late Payment Fees Up to $38
Foreign Transaction Fee None
Balance Transfer Fee N/A
Cash Advance Fee Either $5 or 3% of the amount of each cash advance, whichever is greater
Returned Payment Fee $38
Penalty APR 29.49%
Minimum Interest Charge N/A
Rewards Cap No Cap
Rewards Rate Get up to 5 Starpoints at participating SPG hotels, & 1 Starpoint on all other purchases.*
Annual Fee $0 intro annual fee for first year, then $95
Grace Period 25 Days
$0 Fraud Liability No
Auto Rental Insurance Yes
Extended Warranty Program Yes
Roadside Assistance Yes
Purchase Protection Yes
Travel Assistance Yes
Flight Accident Insurance Yes
Lost Luggage Reimbursement No
Concierge Service No
With this card you get the privilege of being an American Express cardmember and it will reward you with plenty of Starpoints. New cardholders can earn 2 free nights at participating SPG® Category 1-5 hotels & resorts worldwide after making $5,000 in purchases in the first 3 months of account opening.
For additional point accrual, cardmembers can earn up to 5 Starpoints for each eligible purchase charged directly with hotels and resorts participating in the SPG program; that’s 2 Starpoints per dollar spent on the card in addition to the points you get as an SPG member. One Starpoint is earned for each dollar spent on all other eligible purchases. Starpoints can be redeemed at more than 1,300 hotels in nearly 100 countries, or for air travel on more than 150 airlines with SPG Flights. Members also get to make reservations without annoying and restrictive blackout dates.
The current APR for purchases is 15.49% - 19.49% variable, depending on your creditworthiness. There is also a $95 annual fee, but the fee is waived for new cardholders in the first year.
This can be a very rewarding credit card for those who like to stay at Starwood hotels or use points to travel.
Your annual fee is waived the first year and you have a chance to earn a robust sign-on bonus. There are no blackout dates when you redeem points for hotel or airline reservations.
There is a $95 annual fee that kicks in after the first year. Also, you'll need excellent credit to get approved.
Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by American Express.
5 Total Ratings