[ American Express Starwood Preferred Guest ] Card for Earning Valuable Points



  • Credit Card Type: Hotel rewards card
  • Current Offer: Earn 25,000 Starwood Preferred Guest (SPG) Points after spending $3,000 in purchases within the first 3 months.
  • Special Offer: As a Card Member, receive credit for 5 nights and 2 stays each year toward SPG Elite status.
  • Bonus Category: 2x points dollar for the hotel stay within SPG and Marriott properties. 1x point per dollar for all other purchases.
  • Annual Fee:$95 (Waived First Year)


1. SPG points has been widely considered as one of the most valuable point system because of its versatility. This card is best for non-bonus spending category.

2You can earn SPG Gold Member after spending $30,000 in each year. Since Marriott and SPG are under the merger, SPG Gold can be matched to Marriott Gold.

3. SPG points can be transferred to Marriott Rewards program by 1:3 ratio, which can be useful for Marriott Travel Package redemption.

4. With this card, you have access to AMEX Offers, which offers additional cash/points rebate for spending.

5. Please check this article (click me) for the instruction of using SPG points.

6. Please check this article (click me) for the instruction of transferring SPG points to airline programs.

Restrictions when you apply:

1. You can only apply for one AMEX credit card per day, but the rule does not apply to AMEX charge cards. If you apply one credit card and one charge card on the same day, AMEX are going to combine hard-pull (for credit report). Therefore we suggest the reader apply for another AMEX charge card at the same time when applying AMEX credit card, so the applicant will only be hard-pulled once.

2. Please check the status from this link if you do not get instant approval. We strongly suggest you to call AMEX Reconsider Line to ask them about reconsidering the application if you do not get instant approval or be denied. Generally, you will have a chance to be approved after providing the information they need when calling them. The phone number of AMEX Reconsideration Line is 1-800-567-1083.


SPG points is very valuable because of its versatility. You can transfer SPG points to airline partners with 1:1 ratio. Also, transferring every 20,000 Starpoints to airline program will earn additional 5,000 bonus miles. It also comes with travel insurance, and it can be used outside of US since this card features no foreign transaction fee. This card also has a business version. Please check the link (click me) for more details.

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