10 Benefits of the Starwood Credit Card

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Both the Starwood Preferred Guest® Credit Card from American Express and Starwood Preferred Guest® Business Credit Card from American Express OPEN are my go-to-credit cards for two main reasons: 1) I love many of the benefits that come with Amex cards, and 2) Starwood hotels are pretty sweet and I can get a lot of value when redeeming my points!

Up until this point I’ve always had the personal version of the card, but I just recently applied and was approved for the business version as well (more on that in a later post).

So here are the 10 reasons why I like this card.

  1. Receive statement credits with Amex OffersYou can take advantage of the many Amex Offers that I write about with both the personal and business card. If you have both, for example, then you can sync them to separate Twitter accounts and take advantage on each card. I’ve found that many times the money I get back as a statement credit throughout the year surpasses the annual fee paid. This means not only is the annual fee then covered, I also make money on top of it. These cards are also eligible to earn a statement credit during Small Business Saturday. For this calendar year (so the past 3.5 months), I have personally received $110 back in statement credits on this card alone. This makes the yearly annual fee well worth it for my situation!
  2. Get free additional card holders. The biggest perk of this is that additional cards under the same account are treated as two separate accounts for Amex Offers. This means that for the statement credit offers you can take advantage of the offer for both the primary card and all additional cards on the account. I love that authorized users have no additional annual fees and you can still earn statement credits – ultimately allowing you to“make” money if you take advantage of these offers for purchases you’d make anyways.
  3. Access to OPEN benefits. I wrote about Saving Money with American Express OPEN earlier this year and the benefits they provide. The business version of the Starwood credit card (not the personal version) gives you access to these benefits. This means at many merchants, such as Hertz, FedEx, etc., if you use your Starwood business credit card you can get a 5% statement credit on your purchase!
  4. Access to Sheraton Club Lounges. The business version of the card (not the personal version) gives you access to Sheraton Club Lounges worldwide. All registered guests on the room have access to the lounge, not just the cardmember which is great! If you stay at Sheraton hotels often, this could provide you with great value! This is the main reason why I pulled the trigger on the business version of the card. You can learn more about the Sheraton Club Lounge access benefit here.
  5. Points earned are very flexible. This is a big plus of Starwood points in general regardless of how you earn the points. Not only can you use your points at SPG affiliated hotels, you can also transfer them to many of partner airlines at a 1:1 conversion rate (most partners, but not all). Not only do they transfer at a generous rate, you also get a 5,000 point bonus for every 20,000 points transferred. Many other hotel programs have a horrible transfer ratio, but Starwood actually shines in this category. This means you can use the points earned for a hotel stay or a flight!
  6. Earn status faster. If you are trying to earn SPG status, having the credit card will give you 2 stays and 5 nights towards status. For SPG Gold you need either 10 stays or 25 nights and for SPG Platinum you need either 25 stays or 50 nights. You get the stays and nights for both the personal and business card, so if you happen to have both this will give you a total of 4 stays and 10 nights. If you are trying to obtain Gold status this gets you almost half way there!
  7. Spend a lot and get SPG Gold status. If you spend $30,000 on the card in a calendar year, you will automatically receive an upgrade to SPG Gold status.
  8. Receive protection on many purchases. In my opinion, Amex has one of the best protection benefits when it comes to buying products. If within 90 days from the date of purchase a merchant will not take back an item, you can get a refund for the purchase price from American Express. This is valid for primary cardholders as well as any additional cardmembers on the account. They make the process extremely easy where you fill out a quick form online and typically hear back within a few days. This has come in extremely handy when purchasing final sale items (which I do often from Zulily.com). In my experience, they typically let you keep the item as well. This benefit is for all Amex credit cards. You can learn more about this benefit here.
  9. Get extended warranty protection: With both the personal and business card (along with all other American Express credit cards), you can get up to a one year extension on a manufacturer’s warranty when you use your Amex credit card to make the purchase. This is for certain purchases and only valid for warranty’s that are under 5 years to begin with. Essentially Amex will double the warranty up to an extra year. So if the warranty is 6 months, for example, you’ll receive an additional 6 months. If it is a 2 year warranty, for example, you’ll receive an additional year. The coverage is up to $10,000 per item and $50,000 per cardmember account per calendar year.

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The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Comments

  1. 6 of these are just benefits of American Express Business cards. The flexibility is not a huge perk, since you have to spend $20k to get 25k points.

  2. Hmmm. Adopting Points Miles and Martinis approach to clickbait?

    Don’t you really mean Starwood Business Cards, not just Starwood Cards, as many of the perks you mention are only open to the Business card version?

  3. Don’t all Amex AU card gets sync offers? So why mention this as an implied special perk of this card?

    The biggest perk is Boingo on up to 4 devices. Boingo hotspots are everywhere. Even in Botswana…

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