{"id":132568,"date":"2018-09-10T14:34:19","date_gmt":"2018-09-10T13:34:19","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=132568"},"modified":"2025-07-09T13:51:24","modified_gmt":"2025-07-09T12:51:24","slug":"starwood-preferred-guest-credit-card","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/starwood-preferred-guest-credit-card","title":{"rendered":"Marriott Bonvoy American Express Card (formerly Starwood Preferred Guest) 2026 review"},"content":{"rendered":"
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Defaqto.<\/p><\/div><\/article>\n<\/div>

Repayment options<\/h3>\n\n\n

You can make manual repayments through American Express's app by logging in to your online banking or over the phone. Alternatively, you may wish to set up a direct debit.<\/p>\n\n

A direct debit protects you from forgetting to make a repayment and either damaging your credit score<\/a>, getting hit with a penalty fee (\u00a312) or losing any promotional rates as a result. <\/p>\n\n\n

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.<\/p>\n\n

Choose from the following direct debit options for your monthly repayments:<\/h4>\n\n\n\n\n\n\n
Minimum amount <\/use><\/svg><\/td><\/tr>\n
Fixed amount
A set amount each month \u2013 e.g. \u00a350<\/span>\n<\/button><\/th>		<\/use><\/svg><\/td><\/tr>\n
Fixed percentage
Pay a fixed percentage of the balance<\/span>\n<\/button><\/th>		<\/use><\/svg><\/td><\/tr>\n
Full amount
Pay off the full outstanding balance every month<\/span>\n<\/button><\/th>		<\/use><\/svg><\/td><\/tr>\n<\/tbody>\n<\/table>\n\n

How to apply<\/h3>\n\n\n\n\n

First, you can use Finder's eligibility checker<\/a> to find out if you'd be likely to get approved for the Marriott Bonvoy\u00ae American Express\u00ae Card. This won't impact your credit score. If it's good news, you can then proceed to American Express's online application, which takes 10\u201315 minutes to complete.<\/p>\n \n