Starwood Preferred Guest Credit Card from American Express issued by American Express
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. 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 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 above 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. 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. Most Attractive Feature: Additional points offered to those who stay at Starwood hotels and resorts; bonus points; annual fee is waived for first year. Least Attractive Feature: Points expire if the account is not active within a one-year period. Apply Now For Starwood Preferred Guest Credit Card from American Express Note: The review of this American Express card was updated on 09/01/2009 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Introductory Rates and Terms
Intro Rate:	2.9% APR for 6 Months
Applied Towards:	Purchases, Balance Transfers
Details:	The introductory rate is available on balance transfers submitted during the application process.
Miscellaneous Rates and Terms
Credit Limits:	$100,000 (Maximum)
Purchases APR:	15.24%
Cash Advance APR:	n/a
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	20 Days
Fees Associated with this Card
Annual Fee:	$45** **The annual fee will be waived for the first year. Thereafter, the fee is $45.
Add. Cardholders:	$0
Late Payment Fee:	n/a
Over-the-Limit Fee:	$35
Cash Advance Fee:	n/a
Balance Transfers:	There is no balance transfer fee associated with this offer. However, future balance transfers may incur a fee as disclosed at the time of the applicable transaction.

The Rewards Program Highlights
Optional Reward:	No
Points Per Dollar:	1 Point
Additional Points:	Cardholders earn double points on stays and purchases made at select Starwood retail outlets, and they earn 1 additional point per $1 spent on qualified purchases through their membership in the Starwood Preferred Guest® loyalty program.
	Starpoints can be transferred to over 30 major airlines. There are no blackout dates and free nights start as low as 2,000 points.
Expiration:	1 Year (Points do not expire as long as the account is active within a 1-year period.)
First Purchase Bonus:	10,000 Points***
Other Bonus:	15,000*****
	***Earn 10,000 bonus points with the first purchase, which is enough for up to 3 free nights. *****Earn 15,000 Bonus Starpoints® after spending $15,000 In 6 months

Additional Highlights of Interest

Special Card Benefits and Features Various Internet account related services. Year-end financial statement. Extended warranty for purchases. No liability for unauthorized Internet transactions. Purchase protection. Return protection. Price protection service. Access to the Offer Zone for various discounts at participating retailers and merchants. Emergency card replacement. Emergency cash replacement. Up to $100,000 in travel accident insurance. Auto rental insurance. Various travel and emergency assistance services. Medical referral services. Legal referral services. See website for additional benefits. Important Notes Regarding This Offer Card is currently unavailable to residents of Puerto Rico. See website for complete terms and conditions of card usage and application disclosure.