The Starwood Preferred Guest Credit Card from American Express

First year rewards


Gift card
1 Free Weekend Night After $500 of purchases have been made within the first 3 months of card membership. Spending
bonus
Monthly
bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending
rewards
Annual fee
$0
Annual fee
(1st yr waived)
The total net reward is the dollar amount all your rewards will add up to, minus any annual fee you may have to pay. For a detailed explanation on how we calculated this number, check out the Points Calculator tab.
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Cash advance: 21.99%
%
Interest Rate
Cash advance: 21.99%
%
Balance transfer
% after months
Annual fee
(Waived)
Monthly
interest fee
after months
Required deposit
Rewards
Earn points on each dollar you spend

How much do you spend on everything else that doesn't fit into one of the other categories? Bus passes, cab fares, online shopping purchases, etc. are just a few examples of things that would show up as "other" purchases on your cash back credit card statement. All spend categories
point per dollar
Points calculator
Monthly spending by category

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First year rewards
First year rewards
Some credit cards come with a spending bonus, which is given to the card holder after they complete a condition, such as making their first card purchase. The spending bonus may be in the form of points, cash, free merchandise, etc. Spending bonus
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary. Anniversary bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending reward
Groceries
Gas
Restaurants
Bills
Travel
Entertainment
Pharmacy
Everything else
This is the total number of rewards points you could earn in one year, based on the credit card's sign-up bonus and the amount you could potentially spend on the card. Total points
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
For a LIMITED time only, you will receive a FREE gift card from RateHub.ca to Starbucks, Homesense/Winners, or Amazon.ca upon approval of this card. Click “Get details” for more info. Gift card
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee
Total net reward
Redeeming points

Value of a SPG Starpoint


The average dollar value of an individual Starwood Preferred Guest Reward Point is $0.0223. To see how we calculated this, click here.

How to redeem your Starwood Preferred Guest Reward Points


Step by step guide


  • If you DO NOT have an online Starwood Preferred Guest (SPG) account and don’t know your SPG number, call American Express (your credit card provider), give them your credit card number and they will give you your 11-digit SPG number.
  • Once you have your SPG number, you can create an account at www.starwoodhotels.com/preferredguest/index.html and login to redeem your points.
  • To book a hotel, select your destination, check in and check out dates.
  • Available hotels are displayed with the following information: Lowest standard rate, Starpoints required to book SPG free nights, SPG Cash & Points, and SPG Member-Only Hot Escapes.
  • Starpoints can be purchased for $0.035/point US; you can buy a maximum of 20,000 per calendar year.
  • While less popular, Starpoints can be also be redeemed for flights and trains.
Insurance benefits
Benefits

Most credit cards come with at least some additional insurance policies. Here's what's covered with this credit card. Insurance
Travel Accident Insurance

If you use your credit card to rent a car, you will likely have some amount of collision and damage insurance. Collision and damage insurance protects you, the cardholder, in the event that a rental car is damaged and/or in an accident, while it's in your possession. Read the fine print in your agreement, before you rent your next car. Rental
Car rental collision / loss damage waiver

Miscellaneous insurance items for purchases on your credit card. Miscellaneous
  • Zero liability
  • Extended warranty
  • Purchase assurance

Card details


Network: American Express
Provider: American Express
Card type: Rewards

Fees & interest


This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee: $120
This is the annual interest rate you will pay on purchases, if/when you can't pay off the entire balance by the payment due date outlined on your credit card statement. Interest Rate: 19.99%
This is the interest rate you will pay on cash advances. Unlike regular purchases, which come with a grace period, interest on cash advances starts to accrue the day you complete the transaction. Cash advance: 21.99%
This is the interest rate you will pay on balance transfers. Unlike regular purchases, which come with a grace period, interest on balance transfers starts to accrue the day you complete the transaction. Balance transfer: N/A

Eligibility


This is the annual income requirement to be eligible for this credit card. Income: $15K / Year
This is the total annual family income requirement to be eligible for this credit card. Only applicable if the applicant does not meet the annual income requirement themselves. Family income: Any amount
  • Be a permanent Canadian resident
  • You have not declared bankruptcy in the past seven years
  • Have reached the age of majority in the province in which you live (18 yrs in AB, MB, ON, PE, QA, SK. 19 yrs all others)