Here are a few exclusive badges for you to display on your blog, facebook page, etc.
Click on them for an embed code to cut and paste.
Here are a few exclusive badges for you to display on your blog, facebook page, etc.
Click on them for an embed code to cut and paste.
The American Express Starwood Preferred Guest works on the American Express network and is primarily intended for consumers who have Excellent credit.
The regular interest rate for purchases made with this card is 15.24%. The customary rate applied to balance tranfers to this card is N/A.
The American Express…
Starwood Preferred Guest has an annual fee of $0.00 for first year or $45.00 for following years. For balance transfers to this card, you will incur a transaction fee of $0.00. If you use this credit card for cash advances, the applicable fee is 3% (minimum of $5.00). If you miss a monthly payment on this card, you will be charged a late payment fee of $19.00 for account balance between $0.00-$249.99 or $39.00 for account balance greater than $250.00. Please note that if you exceed your credit limit with this card, you will be assessed a fee of $35.00.
The American Express Starwood Preferred Guest includes a rewards feature that allows you to earn Points when using the card.The card is associated with the Starwood Preferred Guest rewards program.For purchases at Starwood, you will earn 2 points for every dollar spent.Earn 1 point per each $1 spent on all other purchases.There is no limit to the number of Points you can earn with this card.The American Express Starwood Preferred Guest also provides a sign-up bonus of 10,000 points after first purchase.
The American Express Starwood Preferred Guest also includes a number of addititional benefits such as the following: return protection; worry free shopping; purchase which covers damage and theft for up to 90 days from date of purchase; dedicated customer service; online account access; fraud protection guarantee.
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| Estimated Rates | Introductory APR | Regular APR |
|---|---|---|
| Purchase rate* | 2.9% (up to 6 months) | 15.24% |
| Balance transfer rate* | 2.9% (up to 6 months) | 15.24% (variable) |
| Cash advance rate* | N/A | 25.24% (variable) |
| Default rate* | N/A | 27.24% (variable) |
| Estimated Rates | Introductory APR | Regular APR |
| Purchase rate* | 2.9% (up to 6 months) | 15.24% |
| Balance transfer rate* | 2.9% (up to 6 months) | 15.24% (variable) |
| Cash advance rate* | N/A | 25.24% (variable) |
| Default rate* | N/A | 27.24% (variable) |
| Estimated Rates | Introductory APR | Regular APR |
| Purchase rate* | 2.9% (up to 6 months) | 15.24% |
| Balance transfer rate* | 2.9% (up to 6 months) | 15.24% (variable) |
| Cash advance rate* | N/A | 25.24% (variable) |
| Default rate* | N/A | 27.24% (variable) |
| Estimated Rates | Introductory APR | Regular APR |
| Purchase rate* | 2.9% (up to 6 months) | 15.24% |
| Balance transfer rate* | 2.9% (up to 6 months) | 15.24% (variable) |
| Cash advance rate* | N/A | 25.24% (variable) |
| Default rate* | N/A | 27.24% (variable) |
| Estimated Rates | Introductory APR | Regular APR |
| Purchase rate* | 2.9% (up to 6 months) | 15.24% |
| Balance transfer rate* | 2.9% (up to 6 months) | 15.24% (variable) |
| Cash advance rate* | N/A | 25.24% (variable) |
| Default rate* | N/A | 27.24% (variable) |
| Fees | ||
| Annual Fee* |
$0.00 for first year $45.00 for following years |
|
| Balance transfer fee* | $0.00 | |
| Cash advance fee* | 3% (minimum of $5.00) | |
| Late payment fee* |
$19.00 for account balance between $0.00-$249.99 $39.00 for account balance greater than $250.00 |
|
| Over credit limit fee* | $35.00 | |
| Min finance charge* | $0.50 | |
| Fees | ||
| Balance transfer fee* | $0.00 | |
| Cash advance fee* | 3% (minimum of $5.00) | |
| Late payment fee* |
$19.00 for account balance between $0.00-$249.99 $39.00 for account balance greater than $250.00 |
|
| Over credit limit fee* | $35.00 | |
| Min finance charge* | $0.50 | |
| Fees | ||
| Balance transfer fee* | $0.00 | |
| Cash advance fee* | 3% (minimum of $5.00) | |
| Late payment fee* |
$19.00 for account balance between $0.00-$249.99 $39.00 for account balance greater than $250.00 |
|
| Over credit limit fee* | $35.00 | |
| Min finance charge* | $0.50 | |
| Fees | ||
| Balance transfer fee* | $0.00 | |
| Cash advance fee* | 3% (minimum of $5.00) | |
| Late payment fee* |
$19.00 for account balance between $0.00-$249.99 $39.00 for account balance greater than $250.00 |
|
| Over credit limit fee* | $35.00 | |
| Min finance charge* | $0.50 | |
| Fees | ||
| Balance transfer fee* | $0.00 | |
| Cash advance fee* | 3% (minimum of $5.00) | |
| Late payment fee* |
$19.00 for account balance between $0.00-$249.99 $39.00 for account balance greater than $250.00 |
|
| Over credit limit fee* | $35.00 | |
| Min finance charge* | $0.50 | |
| Rewards Program Features | |
|---|---|
| Rewards Program | Starwood Preferred Guest |
| Reward Units | Points |
| Rewards Expiration | None |
| Total Earning Limit | None |
| Sign-up Bonus | 10,000 points after first purchase |
| Program website | www.spg.com |
| Reward Earnings By Spend Category | |
| Starwood (Hotels) | 2 points per each $1 spent |
| All Other Purchases | 1 point per each $1 spent |
| Card Features | |
|---|---|
| Category | Consumer |
| Network | American Express |
| Min Credit Level | Excellent (750+) |
| Instant Approval | Yes |
| No Annual Fee | No |
| Rewards Program | Yes |
| Grace Period | 25 days |
| Method For Computing Balance | Average Daily Balance |
| Universal Default | No |
| Revolving Credit | Yes |
| Secured Card | No |
| Card Benefits | |
| Return Protection (If you try to return a designated item within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the full purchase price, up to $300 per item, excluding shipping and handling and up to a maximum of $1,000 annually per Card Account) | |
| Worry Free Shopping | |
| Purchase which covers damage and theft for up to 90 days from date of Purchase (Shop with confidence and Purchase Protection, which protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase) | |
| Dedicated Customer Service | |
| Online Account Access | |
| Fraud Protection Guarantee | |
| How does this card comply? | |
|---|---|
| Protection from arbitrary rate increases | |
| The right to have rates reviewed and reduced | |
| Fair allocation of payments | |
| No universal default | |
| No double-cycle billing | |
| No fees for paying your bill | |
| Protection from due date gimmicks | |
| Enough time to pay your bill | |
| Education on dangers of minimum payments | |
| Protection of young cardholders | |
