Starwood Preferred Guest Credit Card from American Express issued by American Express
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. The Starwood Preferred Guest®Credit Card from American Express is a hotel rewards credit card for those who enjoy traveling and taking in breathtaking views with every chance they get. Choose from free flights and free hotel stays when you redeem your Starpoints for travel rewards. Bonus Starpoints - Start off your card membership on a positive note by earning a total of 25,000 Bonus Starpoints - 10,000 with your first purchase and an additional 15,000 when you spend $5,000 or more within the first six months. Redeem your Bonus Starpoints for up to 6 free night stays at a Category 1 or 2 hotel. Starpoints with Purchases - You can earn up to an astonishing 5 Starpoints for every eligible dollar you spend at SPG Hotels and Resorts. That's 2 Starpoints per dollar spent charged to your card, along with 2 Starpoints you can earn as an SPG member, and one more Starpoint with SPG Gold or Platinum status. Redeem for Rewards - This card is synonymous with free hotel night stays and free flights. Redeem your Starpoints for flights with over 350 airlines and stay at more than a thousand hotels and resorts. You won't experience any restrictions or blackout dates with your travel arrangements, either. No Annual Fee for First Year - Save more money with your card membership by paying no annual fee during the first year of account opening. That's a total savings of $65 you will be thankful for. The Starwood Preferred Guest®Credit Card from American Express introduces you to the best the world has to offer with exceptional travel opportunities and other rewards you can partake in. Earn more Starpoints for every stay and experience hotel accommodations at their finest. Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program. Most Attractive Feature: Additional points offered to those who stay at Starwood hotels and resorts; bonus points; annual fee is waived for first year. Least Attractive Feature: Points expire if the account is not active within a one-year period. Apply Now For Starwood Preferred Guest Credit Card from American Express Note: The review of this American Express card was updated on 05/11/2012 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum)
Purchases APR:	15.24% - 19.24% variable
Cash Advance APR:	25.24%
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	25 Days (Min.)
Fees Associated with this Card
Annual Fee:	$65* *$0 introductory annual fee for the first year, then $65
Add. Cardholders:	$0
Late Payment Fee:	Up to $35
Over the Credit Limit Fee:	None
Cash Advance Fee:	Either $5 or 3% of the amount of each cash advance, whichever is greater.
Balance Transfers:	Either $5 or 3% of the amount of each transfer, whichever is greater.

The Rewards Program Highlights
Optional Reward:	No
Points Per Dollar:	1 Point
Additional Points:	Earn 4 to 5 Starpoints for every dollar you spend at Starwood Preferred Guest Hotels and Resorts. Cardholders earn double points on stays and purchases made at select Starwood retail outlets, and they earn 1 additional point per $1 spent on qualified purchases through their membership in the Starwood Preferred Guest® loyalty program.
	Starpoints can be transferred to over 350 major airlines. There are no blackout dates and you can start redeeming with as few as 1,500 Starpoints for free nights with a combination of Cash & Points.
Expiration:	1 Year (Points do not expire as long as the account is active within a 1-year period.)
First Purchase Bonus:	10,000 Points
Other Bonus:	15,000 Points
	Earn 10,000 Starpoints after your first purchase and an additional 15,000 Starpoints when you spend $5,000 in 6 months - enough for up to 6 free nights at a category 1 or 2 hotel.

Additional Highlights of Interest

Special Card Benefits and Features 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. Important Notes Regarding This Offer Card is currently unavailable to residents of Puerto Rico. See website for complete terms and conditions of card usage and application disclosure.