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This is post #6 of a series regarding the Starwood Preferred Guest hotel program.
- Perks of the Starwood Preferred Guest credit card
- Understanding Starwoods Cash & Points Redemption
- Getting your 5th Night Free with Starwood Points
- Redeeming your Points for Hotels & Flights
- Redeeming your Points for Upgraded Rooms and Suites
- Transferring your SPG Points to Airline Miles
- Transferring SPG Points Between Accounts
- Getting Starwood Status and the Perks
- How the Starwood Preferred Guest Credit Card Annual Fee Pays for Itself
I wrote about this same topic last year when I found out that Mr. Deals was using his American Airlines credit card over his Starwood credit card for work expenses. I did a quick intervention, and that changed quickly! But I wanted to again point out the benefit of the Startwood credit card for earning miles and not just Starwood points. Many people overlook the value of this card when their entire goal is to earn airline miles. I mean, why would you use a hotel credit card on every day spend when you are trying to get free flight on miles, right? WRONG! The Starwood credit card, in many cases, can actually earn you miles quicker on your every day spend than your airline specific credit card!
With the Starwood credit card, you earn 1 point for every dollar spent. With an airline specific credit card (i.e., American, US Airways, Delta), you also earn 1 point for every dollar spent. With your Starwood points you can currently transfer to 31 partner airlines! And, almost all of the partner airlines transfer at a 1:1 ratio (except a few which I will get into in a minute). Now, the kicker is for every 20,000 points you transfer you will receive of bonus of 5,000 miles – that is a 25% bonus! This is NOT a limited time promotion, but instead ALWAYS part of the Starwood program. However, to receive the bonus miles, you must transfer in increments of 20,000 points at a time. If you transfer, for example, 10k points one day and 10k points another day, you will not receive those extra 5k miles.
This transfer option makes Starwood the most flexible program, in my opinion. There is not one other hotel program that offers this flexibility, and even American Express Membership Rewards and Chase Ultimate Rewards do not have as many options (although they are still great programs and extremely flexible). While you will not get the perks that come along with the airline specific credit cards when flying on that airline, if you are primarily in it for maximizing your points and love flexibility, this program is calling your name! Of course there are always a few downsides to every program, and the biggest limitation is the length of time it takes when transferring your points. Points do not post immediately to the transferring airline, so if you are looking for a reward ticket immediately, this transfer opportunity will not benefit you. Additionally, if your airline of choice is United you will only receive half the number of miles as you would transferring to other airlines – the redemption ratio is 2:1, where most of the other airlines is 1:1. In this situation, the Starwood credit card is NOT a good option, but instead the Chase Sapphire Preferred card. One of the best transfer options used to be LAN as points used to transfer as 1:2. This was great, however, has changed recently and is now 1:1.5. While this is still great, it is not as lucrative as it once was. You can read this prior blog post to learn more about this, but keep in mind that is has yet to be updated to reflect the change of 1:2 to 1:1.5
For example, if you were to spend $20,000 on your credit card in a given year, the Starwood card would actually give you 25,000 American Airline miles, while the American Airlines Visa will only net you 20,000 miles. Additionally, if your travel plans change and you you’d prefer to fly US Airways instead, you can transfer your points to that airline and not be pigeon holed into American. Just to note again though, some of the airline specific cards do give you extra perks when flying with them (i.e., checked baggage, priority boarding, etc.), so keep that into consideration.
Now, while this really is a great option, I do want to add that I typically find a better value by using my SPG points for Starwood hotels, especially with the cash & points option, although as I mentioned in a previous blog post that this option has decreased in value a few months ago. The valuation really depends on how you use your points and what your travel goals are. If you are looking to fly business/first class, then the airline value will be huge! If you’ve been keeping up with this blog, you know that I typically redeem my points for coach, so I do not get as good of a value, but to each their own!
- Aeroplan/Air Canada
- Air Berlin
- Air China Companion
- Air New Zealand & Air Points (transfer ratio – 65 SPG points : 1 mile)
- Alaska Airlines Mileage Plan
- Alitalia MilleMiglia
- All Nippon Airways (ANA) Mileage Club
- American Airlines AAdvantage
- Asia Miles
- Asiana Airlines
- British Airways Executive Club
- China Eastern Airlines
- China Southern Airlines’ Sky Pearl Club
- Delta Air Lines SkyMiles
- Emirates Skywards
- Flying Blue
- Hawaiian Airlines
- Japan Airlines (JAL) Mileage Bank
- King Club Miles
- LAN LANPASS (transfer ratio – 1 SPG point : 1.5 miles)
- Mexicana Frecuenta
- Lufthansa Miles and More
- Qatar Airways
- Saudi Arabian Airlines Alfursan
- Singapore Airlines KrisFlyer
- Thai Airways International Royal Orchid Plus
- US Airways Dividend Miles
- United Mileage Plus (transfer ratio – 2 SPG points : 1 mile)
- VARIG Smiles (transfer ratio – 2 SPG points : 1 mile)
- Virgin Atlantic Flying Club
- Starwood Preferred Guest® Credit Card from American Express (personal):Earn up to 35,000 Starpoints® – 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first three months, plus an extra 10,000 bonus Starpoints® after you make an additional $2,000 in purchases within the first 6 months. *Terms Apply. $0 introductory annual fee for the first year, then $95. Offer ends 4/5. Application link.
- Starwood Preferred Guest® Business Credit Card from American Express OPEN (business): Earn up to 35,000 Starpoints® – 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first three months, plus an extra 10,000 bonus Starpoints® after you make an additional $3,000 in purchases within the first 6 months. *Terms Apply. $0 introductory annual fee for the first year, then $95. Offer ends 4/5. Application link.
Disclosure: This post contains affiliate links. My goal is for you to travel on a deal! As always, thanks for your support!