American Express® Starwood Preferred Guest®

• Get a 2.90% APR for 6 months on purchases & transfers!
• Annual fee = $45* 1st year FREE!
• Earn free hotel stays and free flights! Earn 1 Starpoint for every $1 you spend, 2 points for every $1 spent at Starwood's hotels and resorts.

   * Up to 10,000 Bonus StarpointsSM available in your first year!

General Card Information: Issued By:  American Express Rating: Categories:  Instant Credit Cards  Reward Credit Cards  Hotel Rebate Cards Credit Type:  Good / Excellent Positives: + Hotel Stays + More + Introductory Rate + Extra Sign-Up Bonus Negatives: - High Interest Rate   - Short Intro + Not 0% - Limited Acceptance

Designed for people with good credit who frequently stay at Starwood hotels and resorts, the Starwood Preferred Guest Card from American Express offers reward opportunities at more than 860 hotels around the world with no blackout dates.

Earn one point for every dollar spent and double points at participating Starwood properties. Earn a substantial bonus just by making your first purchase and again after spending $15,000 within the first 6 months. Redeem your accumulated points for free airline tickets and hotel stays. Points do not expire as long as the account is active within a one-year period.

The option to transfer reward points to more than 30 frequent flier programs makes the Starwood Perferred Card unique to other hotel reward cards. The card includes a low introductory rate, but includes an annual fee (which is waived the first year) and mediocre ongoing APR. Because of the higher APR, the American Express Starwood Preferred Guest Card is best for people who are able to pay the balance quickly.

The American Express Starwood Preferred Guest Card also features many benefits and services provided by American Express including travel and auto rental insurance, purchase protection plans, special savings at participating merchants, online account management and more.

Features summary:

- Introductory APR (details above)
- Redeem points for free hotel stays and travel
- Earn double points when you stay at Starwood properties
- Many ways to earn additional rewards
- Automatic savings at merchants like FedEx , Delta® , Hertz® , and more
- Travel accident insurance
- Car rental loss and damage insurance
- Buyer's assurance plan
- Purchase & return protection
- Fraud protection guarantee
- Emergency card replacement
- Identity theft assistance
- Medical, legal, financial and other emergency assistance
- View recent activity, pay your bill online or by phone
- Access cash from over 500,000 ATMs around the world
- Emergency check cashing
- Global assistance hotline