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Top 10 reasons to get the Starwood Preferred Guest American Express credit card

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Why should you get the Starwood Preferred Guest American Express credit card?

Today, in our ‘Top 10 Reasons’ series, I want to look at the top 10 reasons to apply for a Starwood Preferred Guest American Express (SPG Amex) credit card.

You can see all of our ‘Top 10 Reasons’ series, focusing on UK travel rewards credit cards, by clicking here.

If you want to check your credit record before applying for a new card, click here to get your free Experian Credit Score.

The SPG Amex earns points in Marriott Bonvoy, the loyalty scheme which covers 30 hotel brands including Marriott, Renaissance, Sheraton, Westin, W, Aloft, Luxury Collection etc.

The serious legal stuff about the SPG Amex credit card:

You can apply here:  SPG American Express application form

What does it cost?  £75 annual fee

What is the interest rate?   The representative APR is 39.7% variable, including the annual fee, based on a notional £1,200 credit limit. The interest rate on purchases is 22.9% variable. 

Top 10 reasons to get the UK Starwood Preferred Guest American Express card

The top 10 reasons to get the SPG Amex credit card:

1.  There is a generous sign-up bonus of 30,000 Marriott Bonvoy points

You will receive 30,000 Marriott Bonvoy points when you sign up and spend £1,000 within the first three months.

You qualify for the bonus if you have not had a personal American Express card (excluding any Lloyds Bank or MBNA cards) in the past 24 months.  Even if you do not quality for the bonus, you can still apply.

Marriott Bonvoy is the loyalty scheme for AC Hotels, Aloft, Autograph, Courtyard, Delta Hotels, Design Hotels, Edition, Element, Fairfield Inn, Four Points, Gaylord, Le Meridien, Marriott, Moxy, Protea, Renaissance, Residence Inn, St Regis, Sheraton, The Luxury Collection, The Ritz-Carlton, Springhill Suites, Towneplace Suites, W and Westin.

2.  You receive three Marriott Bonvoy points for every £1 you spend on the card

There are a few exceptions (cash withdrawals do not earn points) but in reality virtually every £1 you spend will earn three Marriott Bonvoy points.

3.  You earn double points at Marriott Bonvoy hotels

Until the end of 2019, you will receive double points – six per £1 – when you use the card to pay for your stay at a Marriott Bonvoy hotel.

4.  You receive Silver Elite status in Marriott Bonvoy

You get Silver Elite status in Marriott Bonvoy for as long as you hold the card.  To be honest, this has few real benefits except for a 10% bonus on base points earned from Marriott hotel stays.

5.  You receive Gold Elite status in Marriott Bonvoy for spending £15,000 in a card year

This is a decent step up from Silver, but does not have many concrete benefits.  It does not get you free breakfast or lounge access, for example.

6.  You receive a voucher for a free hotel night for spending £25,000 in a card year

This is valid for any hotel costing up to 25,000 Marriott Bonvoy points per night.  This would typically get you a hotel costing around £100 on an average night.

7.  This card is also a great way of earning airline miles

Marriott Bonvoy lets you transfer your points to 40+ different airlines. For many of these airlines, such as Air Canada Aeroplan or Emirates, this credit card is the only way for a UK resident to collect in that programme from their day to day spending.

Marriott Bonvoy points transfer at 3:1 into airline miles.  You get a 5,000 mile bonus for transferring 60,000 points, which works out at 25,000 miles.

8.  There is no minimum income requirement

American Express no longer has a minimum income requirement for its cards.

9.  American Express runs regular generous cashback offers

Once your account is up and running, you will receive generous cashback deals from Amex.  These are typically on the lines of ‘Get a £10 statement credit when you spend £50 at Tesco’.

It is relatively easy to save over £100 per year with these offers.

10.  American Express has excellent customer service including a UK call centre, and a well-designed app

You can monitor you balance and make a payment via debit card in the app at any time.  The core business of American Express is credit cards, and they know how to run them properly.

Conclusion

The Starwood Preferred Guest American Express credit card is a good card, as 3 Marriott Bonvoy points per £1 spent is an attractive deal.

You can sign up for the SPG Amex credit card on the official website here.

Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points and do not consider interest rates, service levels or any impact on your credit history. By recommending credit cards on this site, I am – technically – acting as a credit broker. Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as a credit broker.

Important dates for your diary - offers about to close which you shouldn't miss (April 2019)
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