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Intro Rate<\/td>	2.90% on Purchases and Balance Transfers for 6 months<\/td><\/tr>
APR<\/td>	15.24% variable<\/td>
Fee	No annual fee for the first year - $45 thereafter<\/td>

Starwood Preferred Guest(R) Credit Card from American Express - By American Express

Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel.
Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
No annual fee for the first year and $45 thereafter
Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
Express Approval. Get a decision in less than 60 seconds.
Smarter Travel Editor\'s Choice Award for Best Travel Awards Card for Domestic Use

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Review

The Starwood Preferred Guest® Credit Card from American Express is designed for those with good credit who frequently stay at Starwood hotels and resorts and plan to take advantage of the various benefits and services that are provided.

In reference to the reward program, one point is earned for every dollar spent on the card and double points are earned at participating Starwood properties and retail outlets. Cardholders also earn one additional point per $1 spent on qualified purchases through their membership in the Starwood Preferred Guest® loyalty program. Points can be redeemed for various travel services, such as free hotel stays and airline travel. Cardholders also earn 10,000 bonus points after their first purchase, which is enough for up to three free nights and 15,000 Bonus Starpoints® after spending $15,000 In 6 months. Points do not expire as long as the account is active within a one-year period.

Perhaps what is most impressive about the program is the fact that cardholders can transfer earned points to a variety of frequent flyer programs.

Aside from the reward program, the card does offer a variety of benefits such as travel accident insurance, auto rental insurance, discounts via the Offer Zone, and various fraud protection services (see website for all benefits available).

The interest rate for purchases is average (for a reward card), and there is an annual fee of $45 that is waived the first year. There is also a low introductory rate for purchases and balance transfers for the first six months. Future balance transfers will be 9.99% + the current Prime Rate.

Therefore, those who can afford to pay in full each month after the introductory rate expires (to avoid finance charges), frequently stay at Starwood hotels and resorts (to earn additional points), and can accumulate enough points for a free hotel stay or other travel-related service within a two-year period will benefit most from what the Starwood Preferred Guest® Credit Card from American Express has to offer.

Updated: Thursday, August 05, 2010<\/span>Note: The review of this card was updated on 8/5/2010. The review was believed to be accurate during that time. Some information may have changed since that date. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application. Credit card review information is provided by FlexOffers.com, Inc.<\/span>

Category:	Travel Rewards
Issuer:	American Express
Card Status:	Platinum
Card Type:	American Express

Introductory Rate Offer:	2.90% on Purchases and Balance Transfers for 6 months
APR for Purchases:	15.24% variable
Annual Fee:	No annual fee for the first year - $45 thereafter

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