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Starwood Preferred Guest® Credit Card

Ongoing APR: Prime + 9.99% (Currently 13.24%)
Intro APR for Purchases: 2.90% (for 6 Months)
APR for Balance Transfers: 2.90% (for 6 Months)
Balance Transfer Fee: None if submitted with this application
Annual Fee: $45, First Year Free
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
Cash Advance Fee: 3% (minimum $5)
Reward Program: Starpoints
Late Fee: $19-$38
Overlimit Fee: $35.00
Issuer: American Express Co.

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The Card That Earns Nights AND Flights:

Earn up to 25,000 Starpoints ® — enough for up to 6 free nights at a category 1 or 2 hotel.
Use Starpoints® for free nights and upgrades at over 860 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® — almost always on a 1:1 basis — to the frequent flyer programs of over 30 major airlines
Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners
Express Approval. Get a decision in less than 60 seconds.

* See web site for complete terms & conditions.

Fundamentals of the Card

Earn travel rewards faster than ever before and use them anyway you want.
The Starwood Preferred Guest Credit Card lets you earn free nights at over 860 participating hotels and resorts in 95 countries, including Four Points® by Sheraton, Sheraton®, W® Hotels & Resorts, Le Meridien®, The Luxury Collection®, Westin® and St. Regis®.

No blackout dates and free nights start as low as 2,000 Starpoints.
Transfer Starpoints to over 30 major airlines, almost always on a 1:1 basis, and enjoy a 5,000 Starpoint bonus when you transfer 20,000 Starpoints to miles (enough to get you to the 25,000 miles you need for a free domestic ticket in most programs).*

How to Earn Starpoints:

Earn up to 25,000 Starpoints ® — enough for up to 6 free nights at a category 1 or 2 hotel.
Earn 1 Starpoint for virtually every dollar you spend on the Card and double Starpoints at participating Starwood hotels and resorts.
Earn double Starpoints® on stays and purchases made at select Starwood retail outlets - that's in addition to the Starpoints you earn as a Starwood Preferred Guest® member.*

Benefits of the Card
The first year of Cardmembership is fee free, with an annual fee of just $45 per year thereafter. There is a six-month 2.90% introductory APR on purchases, then Prime plus 9.99% and a grace period up to 20 days. Additional cards are fee-free, so you can share virtually all the benefits and services with family members and watch those Starpoints add up even faster!

Transfer Balances Fee-Free
Transfer balances from your higher-rate MasterCard®, Discover®, and Visa®: cards to your American Express®: Card account with no transaction fee! Then enjoy a low fixed rate of 2.9% for the first 6 months of Cardmembership on Balance Transfer requests submitted with this application.

Dedicated Customer Service
American Express is here to help you around the clock, with the kind of Customer Service that keeps Cardmembers loyal for a lifetime. For immediate service, call the phone number on the back of your Card.

Your Year End Summary: Now Available Online
Your Online Year End Summary of Charges gives you access to important information 24 hours a day, seven days a week. Flexible features make organizing your expenses a snap - download the Summary and print it out; sort by date, merchant name, or charge amount; review charges made within a category, such as Travel and Restaurant. Your Year End Summary is an indispensable tool for preparing taxes and budgeting. You may also receive a paper Year End Summary in the mail by calling the number on the back of your Card.

Access Your Account Online
You can view up-to-date billing information online, including transactions, charges, and payments.

Shopping with the Card

Buyer's Assurance
With the Buyer's Assurance Plan, you can shop worry-free knowing that the terms of the original manufacturer's warranty will be matched up to one additional year, on warranties of five years or less that are eligible in the U.S.*

Fraud Protection Guarantee
Use the American Express Card online or off, and you won't be held responsible for any unauthorized charges. Period. No fine print, no deductible-just pure protection, so you can shop with confidence.

Purchase Protection Plan
Shop with confidence and the Purchase Protection Plan, which protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.*

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 *

American Express Selects
Offers, savings, entertainment, and special events. American Express Selects puts together great brands, Online Extras^SM, and much more - all in one great place.

Traveling with the Card

Emergency Card Replacement
Enjoy the security and convenience of access to Emergency Card Replacement services by calling 1-800-964-8542.*

Travel Accident Insurance
Travel Accident Insurance provides up to $100,000 in accidental death and dismemberment insurance while traveling on a Common Carrier Conveyance (plane, train, ship, helicopter, or bus) when the entire fare has been charged to the Card.*

Car Rental Loss and Damage Insurance
Relax and enjoy the ride when you use your eligible Card to reserve and pay for an auto rental! The Car Rental Loss and Damage Insurance Plan provides coverage for theft of or damage to most rental vehicles. Simply decline the collision damage waiver (CDW) or similar option offered by the Commercial Car Rental Company. This coverage is excess to your other sources of insurance. Coverage applies for the first 30 days of an auto rental if rented from a Car Rental Company. Just call 1-800-338-1670 for more information and eligibility requirements.*

The above information is brought to you by this website and American Express is not affiliated with it and does not endorse, nor guarantee, nor is responsible for this information.
*See web site for complete terms & conditions

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