Credit Cards

The Starwood Preferred Guest®

Estimated Rewards

2 Year NetRewards


Ongoing NetRewards


+ Show Reward Breakdown



American Express


American Express

Credit Rating Required



Everyday Rewards

2 Marriott Points

Special Rewards

6 Marriott Points

Signup Bonus

75,000 Marriott Points after spending $3,000.00 within 3 months of opening your card

Features and Benefits

  • APR on purchases will be a variable rate, currently 15.99% to 19.99%, based on your creditworthiness and other factors.
  • $0 intro annual fee for the first year, then $95.
  • Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • With Extended Warranty, the length of your warranty can be matched for up to 1 additional year when you use your American Express® Card for eligible purchases, that come with an original U.S. manufacturer’s warranty of 5 years or less. Coverage limited to the actual amount charged on your Card for the item up to $10,000 per item and $50,000 per calendar year.
  • Use your Card and earn up to 5 Starpoints® for every dollar of eligible purchases at participating Starwood hotels–that’s 2 as a Card Member on top of the 2 or 3 you can earn as an SPG member. Earn 2 Starpoints® for every dollar of eligible purchases on the Card at participating Marriott Rewards®hotels. Earn 1 Starpoint for all other eligible purchases.
  • Redeem Starpoints® for free flights with SPG Flights with no blackout dates. Redeem Starpoints® for free nights at over 1,200 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights – all with no blackout dates. Some hotels and resorts have mandatory service charges.
  • As a Card Member, receive credit for 5 nights and 2 stays each year toward SPG® Elite status. That’s just 20 nights away for SPG Gold status and 45 nights away for SPG Platinum status in a calendar year.
  • Redeem Starpoints® for free nights at any of Starwood’s 11 distinct brands including St. Regis, The Luxury Collection, W Hotels, Le Méridien, Westin, Sheraton, Aloft, Element Hotels, Four Points by Sheraton, Tribute Portfolio and Design Hotels. Some hotels and resorts have mandatory service charges.
  • SPG® Card Members enjoy international travel without foreign transaction fees from American Express when using their Card on purchases abroad.

Fees and Rates

Annual Fee

First Year: $0.00

Foreign Transaction Fee


Annual Percentage Rate


Maximize Rewards and Savings On Every Purchase

MaxRewards is the easiest way to get more rewards, benefits, and savings from your cards.

100% free and takes less than a minute to set up.

Download on the App Store
Get it on Google Play

Estimated Monthly Spend

Include all spend at local and national grocery stores, such as Kroger and Whole Foods. DO NOT INCLUDE spend at supermarkets, such as Target and Walmart.
Include all spend related to airline, train, bus, taxi/ride-sharing, and hotels.
Include all spend in restaurants, cafés, and bars.
Include all spend in department stores and speciality retailers. DO NOT INCLUDE spend at supermarkets, such as Target and Walmart.
Include all spend at gas stations.
Include all other spend not covered in the above categories that you might put on a credit card. DO NOT INCLUDE rent and other bills where there is a surcharge for paying with a credit card.
Monthly Spend:
Annual Spend: