New Starwood Preferred Guest card members can earn up to 100,000 bonus points

Starwood Preferred Guest cards from American Express

The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy

The content on this page is accurate as of the posting date. Please review our list of best credit cards, or use our CardMatch tool to find cards matched to your needs.

Ahead of the unification of the Starwood Preferred Guest (SPG), Marriott Rewards and Ritz-Carlton loyalty programs on Aug. 18, 2018,  American Express has announced several changes to the Starwood Preferred Guest® Credit Card from American Express and the Starwood Preferred Guest® Business Credit Card from American Express, including an increased welcome bonus and rewards rate.

Here are the updates, which are effective as of Aug. 1, 2018, at a glance:

  • Increased welcome bonus – Instead of offering a $100 statement credit, the Starwood Preferred Guest consumer card now offers 75,000 bonus points when you spend $3,000 in the first three months, while the business version offers 100,000 points after spending $5,000 in the first three months.
  • Increased rewards rate – The updated Starwood Preferred Guest card and the Starwood Preferred Guest Business cards both offer six points per dollar at SPG and Marriott Rewards hotels and two points per dollar on general purchases. Additionally, the Starwood Business card offers four points per dollar at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly through U.S. providers and on U.S. purchases for shipping.
  • Redemption changes – As of Aug. 1, 2018, SPG will convert each Starpoint in a loyalty member account to three points. For more details on redemption changes, visit members.marriott.com.

Comparing Starwood Preferred Guest cards

The Starwood Preferred Guest cards are very similar – the main difference being that one is designed for consumers and the other is designed for business owners. In addition to sharing the same annual fees and similar rewards structures, the cards both offer the following perks:

  • One free night award each year on your card account anniversary
  • Complimentary Silver Elite status.
  • Gold Elite status after spending $30,000 in a calendar year. (The spend threshold will increase to $35,000 on Jan. 1, 2019.)
  • No foreign transaction fees
  • Free in-room premium internet
  • Complimentary Boingo Wi-Fi on up to 4 devices

See how these cards compare in the table below.

Starwood Preferred Guest vs. Starwood Preferred Guest Business

  Starwood Preferred Guest card
Starwood Preferred Guest card
Starwood Preferred Guest Business card
Starwood Preferred Guest Business card
Rewards rate
  • 6 points per dollar on eligible purchases at participating SPG and Marriott Rewards hotels
  • 2 points per dollar on all other purchases
  • Terms apply
  • 6 points per dollar on eligible purchases at participating SPG and Marriott Rewards hotels
  • 4 points per dollar at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly through U.S. providers and on U.S. purchases for shipping
  • 2 points per dollar on all other purchases
  • Terms apply
Introductory bonus
  • 75,000 points when you spend $3,000 in the first 3 months
  • Terms apply
  • 100,000 points when you spend $5,000 in the first 3 months
  • Offer ends Oct. 31, 2018
  • Terms apply
Annual fee
$95, waived first year $95, waived first year
Estimated value in first year ($15,900 spend) $865 $1,038

Additionally, starting in 2019, the Starwood Preferred Guest Business card will offer a 15-night credit towards the next level of Elite status.

Recent changes to the Starwood Preferred Guest cards

In the past, the welcome bonuses for the Starwood Preferred Guest cards have typically ranged from 25,000 to 35,000 points. So at 75,000 points and 100,000 points, the bonuses are currently at their highest yet. See the most recent introductory bonus updates below.

Starwood Preferred Guest card introductory bonus history

Change date Introductory bonus
Aug. 1, 2018
  • 75,000 points if you spend $3,000 in first 3 months
  • Terms apply
April 19, 2018
  • $100 statement credit if you spend $1,000 in first 3 months
  • Additional $100 statement credit if you make a purchase at a participating SPG or Marriott hotel in first 6 months
April 6, 2017
  • 25,000 points if you spend $3,000 in the first 3 months
Feb. 21, 2017
  • 25,000 points if you spend $3,000 in the first 3 months
  • 10,000 additional points if you spend an extra $2,000 in the first 6 months

Starwood Preferred Guest Business card introductory bonus history

Change date Introductory bonus
Aug. 1, 2018
  • 100,000 points if you spend $5,000 in first 3 months
  • Offer ends Oct. 31, 2018
  • Terms apply
April 19, 2018
  • $100 statement credit if you spend $1,000 in first 3 months
  • Additional $100 statement credit if you make a purchase at a participating SPG or Marriott hotel in first 6 months
March 29, 2018
  • 25,000 points if you spend $5,000 in the first 3 months
March 1, 2018
  • 35,000 points if you spend $7,000 in the first 3 months
Nov. 2, 2017
  • 25,000 points if you spend $5,000 in the first 3 months
Oct. 5, 2017
  • 25,000 points if you spend $6,000 in the first 3 months
  • 10,000 additional points if you spend an extra $4,000 in the first 6 months
April 6, 2017
  • 25,000 points if you spend $5,000 in the first 3 months
Feb. 22, 2017
  • 25,000 points if you spend $5,000 in the first 3 months
  • 10,000 additional points if you spend an extra $3,000 in the first 6 months

Who is eligible for the Starwood introductory bonus?

The Starwood Preferred Guest cards’ bonuses are available to individuals who currently do not have or who have not had either card in the past. Additionally, you will not be eligible for the welcome bonuses if you meet any of the following:

Credit card Not eligible if you...
Starwood Preferred Guest card Currently have or have had any of the following cards in the past 30 days:
  • Marriott Rewards® Premier Credit Card from Chase
  • Marriott Rewards® Premier Plus Credit Card from Chase
  • Marriott Rewards Credit Card from Chase
  • The Ritz-Carlton Rewards® Credit Card from JP Morgan
Starwood Preferred Guest Business card Currently have or have had any of the following cards in the past 30 days:
  • Marriott Rewards® Premier Business Credit Card from Chase
  • Marriott Rewards Business Credit Card from Chase

Or have acquired any of the following cards in the past 90 days:

  • Marriott Rewards Premier Plus card
  • Marriott Rewards Premier card
Or have received a welcome bonus from any of the following cards in the past 24 months:
  • Marriott Rewards Premier Plus card
  • Marriott Rewards Premier card

Should you apply now?

Yes! With the welcome bonuses currently at their peak, now is the ideal time to apply for the Starwood Preferred Guest cards. Business owners should keep in mind that – in order to receive the 100,000-point bonus – you need to apply for the Starwood Business card by Oct. 31, 2018.

See related: Upcoming changes to the Marriott Rewards Business and Ritz-Carlton Rewards card released, Marriott is launching a new loyalty program in August 

The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy


Join the discussion
We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers. Anything you post may be disclosed, published, transmitted or reused.

If you are commenting using a Facebook account, your profile information may be displayed with your comment depending on your privacy settings. By leaving the 'Post to Facebook' box selected, your comment will be published to your Facebook profile in addition to the space below.

The editorial content on CreditCards.com is not sponsored by any bank or credit card issuer. The journalists in the editorial department are separate from the company's business operations. The comments posted below are not provided, reviewed or approved by any company mentioned in our editorial content. Additionally, any companies mentioned in the content do not assume responsibility to ensure that all posts and/or questions are answered.




Weekly newsletter
Get the latest news, advice, articles and tips delivered to your inbox. It's FREE.


Updated: 09-26-2018