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Feature: Starwood Preferred Guest Credit Card

Travel is one of the greatest joys of life, but it can be expensive. Paying for flights, transportation, and especially accommodations adds up fast. To save on these costs, you should consider using a travel rewards credit card to earn points that can be redeemed for free hotel stays.

If you aren’t sure which credit card is best for your jet-setting ways, read our analysis of the Starwood Preferred Guest Credit Card from American Express below.

Starwood Preferred Guest Credit Card at a Glance

Based on the chart above, the SPG credit card waives the $120 fee for the first year and offers a great sign-up bonus along with high point value. But, as with any rewards credit card, you need to consider how your personal spending will affect the rewards you earn. Let’s do a detailed analysis using the following monthly spending profile. (We assumed you’re a frequent traveller, for this one!)

Now let’s look at how many points these expenses will earn if you charge them to your travel rewards credit card.

Starwood Preferred Guest Credit Card from American Express


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  • $120 annual fee
  • Earn one Starpoint per dollar spent
  • Receive 20,000 bonus Starpoints after you make $1,500 in the first three months
  • Enjoy a Free Weekend Night Award when you reach $40,000 in purchases each year

Depending on which hotels you redeem your points for, the SPG credit card will yield $1,128.80 in rewards in the first year and $682.80 every year after. This credit card has a strong introductory offer and earns 1 Starpoint for every $1 charged to the card.