Starwood Preferred Guest Credit Card review November 2019
Frequent travellers could enjoy upgrades and freebies at Starwood and Marriott hotels, along with a wealth of other travel benefits with this rewarding Amex.
If you like to travel in style, then you could earn rewards while you spend with the The Starwood Preferred Guest Credit Card Amex.
Finder rating: ★★★★★
Doing its job: 5/5
In a nutshell:
Yearly account fee
Up to 30,000 points
Earn 3 points
per £1 spent
|Rep. APR||39.7% p.a. (variable)|
|Annual/monthly fees||£75 per annum|
|Incentive||Earn 30,000 points when you spend £1K within 3 months of account opening. Earn 3 points for virtually every £1 spent. Earn 6 points for every £1 of eligible purchases at participating SPG & Marriott Rewards hotels, until 31.12.2019.|
|Additional Rewards Info||Automatic upgrade to SPG Gold Preferred status when spend £15K on purchases in a year. Free Weekend Night Award for each year £25K is spent on the card. Refund Protection - provides refunds to cardmembers in the event of any retailer, online or offline, refusing to refund the value of any goods taken back within 90 days of them being purchased, maximum £250. Global Assist - 24/7 help available when travelling outside the UK. Access to tickets for must-see music, theatre and film events, often before they go on sale to the general public with American Express Experiences. Eligible for American Express Connect where cardmembers can choose offers from selected retailers to obtain discounts or cashback.|
|Purchases interest-free period (days)||56|
Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.
This highly-specialised card offers a generous introductory bonus and impressive ongoing rewards when you spend at SPG and Marriott properties.
It’s probably not the best choice if you’re likely to carry an outstanding balance from month to month – you’d be likely to pay a lot more in fees and interest than you’d earn in rewards. However if you’d use the card a fair bit but generally do clear your balance in full, this card can offer handsome rewards.
To keep you interested after the welcome bonus, there are ongoing bonuses related to the amount you spend on the card annually. For example, you’ll enjoy “Gold Elite status” (which means perks like complimentary room upgrades, late checkout, enhanced in-room internet access) if you spend £15,000 on eligible purchases a calendar year. Spending £25,000 could bag you a free hotel stay. And don’t forget you can transfer your points to over 40 major airline frequent flyer programmes.
If you’re a regular guest at these hotels, try to work out whether the annual fee would be worth shouldering, by looking at how much you’d realistically spend on the card and what that would translate to in rewards.
How does this card compare with other rewards cards on the market?
When it comes to repayments, you can make manual repayments online or over the phone (0800 917 8019), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.
Choose from the following direct debit options for your monthly repayments:
|Minimum amount||Fixed amount||Fixed percentage||Full amount|
How to apply for the The Starwood Preferred Guest Credit Card Amex
If you’ve been won over by this rewarding card and want to apply, just click on the “Go to website” button, below, and you’ll be taken to a secure application form. This takes about 15 minutes to complete. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.