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Starwood Preferred Guest® Credit CardQuick Summary:
This is a hotel rewards card that is issued by American Express. This card is intended for consumers, or "personal use" with a good to perfect credit history. APR's may vary among applicants, however the lowest standard APR is 15.24%* and may be as high as 19.24%* (Variable)*, depending on your credit worthiness*.Important Rates:
There is a balance transfer offer APR of 2.90% for 6 Months *. The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 9.99% to the U.S. prime rate.
There is no annual fee for this card.* Be advised that although the annual fee is listed as $0, there is a higher annual fee of $65 that exists for this card. This normally exists for "first year no annual fee" offers, or minimum spending requirements for the annual fee to be waived. You should read the additional details below or terms and conditions from the application for more information. Rewards:
This is a hotel rewards card, where you can expect rewards for certain hotel stays. Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 644 is recommended for a higher chance of approval, but it is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. Other Basics:
The grace period listed for the Starwood Preferred Guest® Credit Card is at least 20 days*. So interest charges will not be applied for purchases during those days. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date. American Express acceptance among businesses is moderate, but global. You should not have a difficult time finding businesses that will accept this card as a form of payment. Approval Rate:
There were 2 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 50% of those applicants were approved.
The recent approval rate for this card is very high. Furthermore, if your FICO score is close to or higher than 644, then your chance of approval may be even greater. Approval Time:
Approval time for this offer is not listed. You could expect a possible instant decision, but you should expect a final credit decision within 1-2 weeks. Offer Details: - Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5k within 6 months - enough for up to 6 free nights at a category 1 or 2 hotel
- Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates
- 2011 SmarterTravel® Award for "Best Travel Rewards Card"
- $0 introductory annual fee for the first year, then $65
* Please see the credit card application for details about terms and conditions.
Reasonable efforts are made to maintain accurate information. However all credit
card information is presented without warranty.
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Consumer Card Rate Comparison
| APR | 15.24%* - 19.24%* (Variable)* | | Avg. APR | 15.86%** | | Annual Fee | $0* | | Avg. Annual Fee | $6.72** | |
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
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