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Credit Card Reviews » Starwood Preferred Guest® Credit Card from American Express® |
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Most rewards credit cards offer lots of small benefits in many different categories in order to get at least a few rewards to all of the people who use them. But sometimes you can find a credit card that matches you perfectly, so that you can take advantage of all that the rewards program has to offer. If you frequently stay at Starwood hotels and resorts, you should consider becoming a Starwood Preferred Guest® Credit Card user. This credit card, provided by American Express, will get you the rewards and services that you want at the place you already love.
When you use your Starwood Preferred Guest® Credit Card to make your first purchase, you will instantly earn 10,000 points toward your next vacation with Starwood® enough to pay for three free nights. After that, you will always earn one point for every dollar that you spend on your credit card, no matter what you're buying or where you're buying it.
However, if you use your card to make purchases from participating Starwood properties and retail outlets, you will automatically double the points that you're earning. You will also earn one extra point for every dollar you spend on eligible purchases made through your membership in the Starwood Preferred Guest® loyalty program. You can also earn another 15,000 Bonus Starpoints® upon spending $15,000 over a six-month period. Your points will never expire, as long as there is activity on your account at least once every year.
These points can then be redeemed for a variety of travel services. Whether you want to use them for a free hotel stay, or the airline travel that gets you there, the choice is yours. You can transfer your earned points into a variety of frequent flier programs to get you on your way to your destination. As an added incentive, whenever you transfer 20,000 Starpoints into miles, you will automatically be awarded 5,000 bonus miles.
This card also offers travel accident insurance, auto rental insurance, various discounts and fraud protection services to its users. The interest rate for purchases is above the average for a reward card, and this card has an annual fee of $30. However, this fee is waived during your first year of use, and this card comes with a low introductory APR for purchases as well as balance transfers for the first six months. With all of these great features, if you love Starwood, you'll love this credit card.
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2.90% Intro APR on Purchases, Balance Transfers for 6 months
15.24% Regular Variable APR for Purchases
20.24% Regular Variable APR for Cash Advances |
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20 days Grace Period |
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| (* The introductory rate is available on balance transfers submitted during the application process.) |
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| Finance Configuration: Average daily balance (including new purchases). |
| Additional Cardholders: $0 |
| Late Payment Fee: Subject to applicable law, $19 on balances less than $400 and $38 on balances $400 or greater. |
| Over-The-Limit Fee: $35, subject to applicable law. |
| Cash Advance Fee: 3% of each transaction with $5.00 minimum and no maximum. |
| Balance Transfer Fee: There is no balance transfer transaction fee associated with this offer. However, future balance transfers may incur a fee as disclosed at the time of the applicable offer or transaction. |
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| Minimum Credit Limit: n/a |
| Maximum Credit Limit: n/a |
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| Type of Reward: Point |
| Points per Dollar: 1.00 |
| Additional Points: Use Starpoints for free nights and upgrades at over 825 participating Starwood hotels and resorts in 95 countries.Transfer Starpoints - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines. |
| Bonus Points First Purchase: 10,000 Points |
| Bonus Points Balance Transfers: 5,000 Miles**** |
| Bonus Points Other: 5,000 Starpoint bonus when you transfer 20,000 Starpoints to miles.Earn an additional 15,000 Starpoints when you spend $15,000 in 6 months. |
| Point Details: ***Earn 10,000 bonus points with the first purchase, which is enough for up to 3 free nights. ****Earn 5,000 bonus miles for transferring 20,000 Starpoints to miles.*****Earn 15,000 Bonus Starpoints® after spending $15,000 In 6 months |
| Expiration: 1 Year (Points do not expire as long as the account is active within a 1-year period.) |
| Yearly Limit: None |
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| Additional Features for Starwood Preferred Guest® Credit Card from American Express®: |
Various Internet account related services.
Year-end financial statement.
Extended warranty for purchases.
No liability for unauthorized Internet transactions.
Purchase protection.
Return protection.
Price protection service.
Access to the Offer Zone for various discounts at participating retailers and merchants.
Emergency card replacement.
Emergency cash replacement.
Up to $100,000 in travel accident insurance.
Auto rental insurance.
Various travel and emergency assistance services.
Medical referral services.
Legal referral services.
See website for additional benefits. |
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| Important Notes for Starwood Preferred Guest® Credit Card from American Express®: |
Card is currently unavailable to residents of Puerto Rico.
See website for complete terms and conditions of card usage and application disclosure. |
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| Notes: The review on Starwood Preferred Guest® Credit Card from American Express® was updated on March 10, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application. |
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