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If you haven’t considered adding the (SPG) Starwood Preferred Guest credit card to your wallet, you will want to pay attention. The SPG Amex credit card is one of the best travel reward credit cards out there and has been for quite some time. SPG points are arguably the most valuable mileage currency there is. With the SPG Amex credit card, you can redeem points for hotels and flights through over 30 different frequent flyer programs. No other card can do that.
Plus, Marriott is acquiring Starwood, so the future of the card isn’t clear.
Current Starwood Guest Preferred Credit Card Offer
The Starwood Preferred Guest credit card offers:
- 25,000 Bonus Points after spending $3,000 in 3 months
- 2x points per dollar spent at participating Marriott/SPG hotels
- 1x points per dollar spent on all other purchases
- No foreign transaction fees
- Ability to redeem points at over 1,300 hotels worldwide
- Ability to redeem points on more than 150 airlines with SPG flights
- Ability to redeem points through over 30 frequent flyer programs
- Annual fee waived the first year, then $95 per year
While the sign-up bonus may seem low compared to other travel reward credit card offers of 50,000 points or more, 25,000 SPG points can be more valuable in terms of being able to redeem them for free nights and air travel. Some people also see higher targeted offers on the Starwood Preferred Guest credit card landing page.
Redeeming for SPG Hotels
SPG has seven hotel categories that require the following amount of points:
|Category 1||3,000 points Weekdays / 2,000 points Weekends|
|Category 2||4,000 points Weekdays / 3,000 points Weekends|
|Category 3||7,000 points|
|Category 4||10,000 points|
|Category 5||12,000 – 16,000 points|
|Category 6||20,000 – 25,000 points|
|Category 7||30,000 – 35,000 points|
The Sheraton Gran Canaria Salobre Golf Resort in Maspalomas, Las Palmas, Spain regularly goes for 207 Euros per night. This category 3 hotel would cost 7,000 points per night. With a sign-up bonus of 25,000 points, you would have enough points for 5 nights with Starwood’s 5th night free. A five-night stay would cost you $1,223 (1,035 Euros) or 28,000 SPG points. This example gives you a value of 4.4 cents per point. Compare this to American Express Membership Rewards that would give you .07 cents per point redeeming through their travel portal.
Considering a trip to Disney? The Sheraton Lake Buena Vista Resort is a category 2 hotel and at only 4,000 points per weekday night and 3,000 points per weekend night, you would have enough points to book two rooms for five nights at 28,000 SPG points. That would otherwise cost $1,350. This would give you a value of 4.8 cents per point.
Starwood’s Nights & Flights Packages
Another redemption option available is Starwood’s Nights & Flights. With SPG Nights & Flights you can book a five-night hotel stay at a category 3 or 4 property and get 50,000 airline miles transferred to one of over 30 SPG airline transfer partners. You can redeem 60,000 SPG points for a category 3 property, saving 18,000 SPG points or 70,000 SPG points for a category 4 property, saving 20,000 SPG points.
Nights and Flights can only be booked by calling SPG and there must be a standard room available for the dates you choose. After booking, SPG will initiate the transfer of airline miles to your frequent flyer account. Nights & Flights bookings require 14 days advance transfer to US airlines and 30 days advance transfers for international airlines.
Converting SPG Points to Airline Miles
The main reason for SPG’s value is the flexibility to transfer them to one of over 30 frequent flyer programs that SPG partners with. For every one SPG point you transfer, you will have one mile in your account. For example, if you are short 3,000 miles for an American Airlines AAdvantage award, you can transfer just 3,000 points to your account and book your award flight.
And the deal gets better! For every 20,000 points you transfer at one time, Starwood will give you another 5,000 airline miles. This increases the exchange ratio to 1:1.25 for the majority of their transfer partners. SPG caps the number of points you can purchase in a 24 hour period to 79,999 points so to get the maximum bonus, it is best to transfer a maximum of 60,000 SPG points in a 24 hour period.
SPG’s airline transfer partners run at a 1:1 ratio:
|Aegean Airlines||Aeromexico Club Premier||Aeroplan/Air Canada||Air Berlin|
|Air China Companion||Alaska Airlines Mileage Plan||Alitalia MileMiglia||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|
|Etihad Airways||Flying Blue||Hainan Airlines||Hawaiian Airlines|
|Japan Airlines (JAL) Mileage Bank||Jet Airways||Korean Air||LifeMiles of Avianca|
|Miles and More||Qatar Airways||Saudi Arabian Airlines||Singapore Airlines KrisFlyer|
|Thai Airways International Royal Orchid Plus||Virgin Atlantic Flying Club||Virgin Australia|
SPG Transfer partners with ratios different than 1:1:
|Air New Zealand Airpoints|
|LATAM Airlines LATAM Pass|
|United Mileage Plus|
If you’re planning to make a transfer to your airline frequent flyer program of choice, the minimum number of points you can transfer per transaction is 2,500 SPG points. With SPG Gold Elite status, you can transfer a minimum of 1,500 SPG points per transaction and SPG Platinum Elite status members can transfer as few as 1 SPG point per transaction.
Unfortunately, the airline point transfers to airlines are not instant. It can take anywhere from two to fourteen days for SPG points to transfer, so you will want to plan ahead. Once the points transfer is initiated you cannot ‘reverse’ the transfer. When your SPG points leave your account, there is no going back.
How the SPG Amex Compares to Other Hotel Credit Cards
The sign-up bonus of 25,000 points for the Starwood Preferred Guest credit card is lower compared to other hotel program credit card offers but that number is deceiving. Understanding the redemption value can make the 25,000 SPG points worth more than the 75,000 Hilton points or 80,000 IHG Rewards Club points. Let’s look at a comparison of the SPG Amex credit card, Hilton Honors Surpass from American Express and the IHG Rewards Club Select credit card (free night certificate, low annual fee, and low minimum spend helps separate this hotel card).
|Starwood Preferred Guest from American Express||Hilton Honors Surpass from American Express(Expired)||Chase IHG Rewards Club Select (Expired)|
|Sign-up Bonus||25,000 points||75,000 points||80,000 points|
|Minimum Spend||$3,000 in 3 months||$3,000 in 3 months||$1,000 in 3 months|
|Earning Potential||2x points per dollar spent at participating Marriott/SPG hotels|
1x points per dollar spent on all other purchases
|12x points per dollar spent with properties in Hilton portfolio|
6x points at US restaurants, grocery stores and gas stations
3x points per dollar spent on all other purchases
|5x points per dollar at IHG hotels|
2x points per dollar at gas stations, grocery stores and restaurants
1x point per dollar on all other purchases
|Redeeming Points||Free nights start at 2,000 points up to 35,000 points||Free nights start at 5,000 up to 95,000 points||Free nights start at 10,000 points up to 60,000 points|
|Loyalty Status||Gold Status after spending $30,000 on the card||Hilton Honors Gold Status|
Hilton Honors Diamond Status after spending $40,000 on the card
|Platinum Elite Status|
|Priority Pass Membership||No||Yes||No|
|Free Night Certificate||No||No||Yes|
|5th Night Free||Yes||Yes||No|
|1:1 Transfer Partners||Yes||No||No|
|Foreign Transaction Fees||No||Yes, 2.7%||No|
|Annual Fee||Waived the first year, then $95||$75 per year||Waived the first year, then $49|
Here’s our post on the SPG Amex vs Chase Sapphire Preferred.
Bottom Line: (SPG) Starwood Preferred Guest Credit Card Review
The versatility of SPG points makes the Starwood Preferred Guest credit card one of the best credit cards you can carry in your wallet. You have the ability to redeem points for free nights, Nights & Flight packages and transfer your points to over 30 frequent flyer programs to meet your specific travel needs. No other card out there can do that. As a cardholder myself, I hoard SPG points like gold. If you don’t, consider applying for the card.
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