Earn Starpoints on all your spending
10,000 bonus Starpoints available
Redeem for Starwood hotels, flights or swap for air miles
Spend £25,000 each year to get a free weekend night
American Express cardholder services and benefits
American Express Starwood Preferred Guest credit card
Everything you need to know about this credit card, including how to apply, our review and the small print.
Available to those who are:
- Aged 18 or over
- Have a current UK bank or building society account
- Have an annual household income of £30,000
- Have a permanent UK home address
- Please check the full criteria before applying.
| Representative Example: 19.9% p.a. variable on purchases. This is equivalent to 34.5% APR representative variable based on a credit limit of £1,200 and including a £75 annual fee. American Express Services Europe Limited, Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX |
What's on offer?
Main summary of this credit card's rates, rewards and services.
 Purchases: |
 Balance transfers: |
 Rewards: |
 Cardholder services: |
|---|---|---|---|
| 19.9% p.a. variable | Not offered | 1 Starpoint for each £1 spent 10,000 Bonus Starpoints Available Free Weekend Night Available |
Online Account Management Fraud Guarantee Active Fraud Monitoring Purchase Protection Insurance Refund Protection Insurance |
Further details and the small print
A closer look at the rates, rewards, services and our review of this credit card.
What we think
Our review and how this deal compares
Please read this first:
This review is based on general information about how the product compares in the market, it shouldn't be taken as a recommendation or advice.
Please see below for more important information relating to the content of this page.
Application criteria
| Detail | |
|---|---|
| Only apply if you are: | - Aged 18 or over - Have a current UK bank or building society account - Have an annual household income of £30,000 - Have a permanent UK home address - Have no CCJ's for non-payment of debt - If self-employed, you have been trading for over 1 year |
Interest rates
| Detail | Additional | |
|---|---|---|
| Representative APR (variable) | 34.5% APR | Including a £75 annual fee. Based on a £1,200 credit limit. |
| Introductory Purchases | - | Not offered |
| Introductory Balance Transfers | - | Not offered |
| Standard Purchases | 19.9% p.a. variable | - |
| Standard Balance Transfers | - | Not offered |
| Standard Cash Advances | 27.9% p.a. variable | - |
Fees and charges
| Detail | Additional | |
|---|---|---|
| Balance Transfer fee | None | - |
| Cash Advance fee | 3% (£3 min) | - |
| Foreign fee | 2.99% | This fee is charged for transactions made in non-sterling currency. |
| Annual fee | £75 | - |
| Default charges | £12 | This charge is made for late payments, returned payments and exceeding the credit limit. |
Repayment details
| Detail | Additional | |
|---|---|---|
| Credit limit | £700 min | Maximum credit limit is subject to status. |
| Interest free period | Up to 56 days | For purchases if you pay your balance in full and on time. There is no interest free period on balance transfers or cash advances. |
| Minimum monthly payment | 2% (£25 min) | The minimum repayment amount will be the greater of: - £25 (or the total amount owing if less), OR - any interest, default fees, repayment protection insurance, overdue amounts and 1/12th of any annual fees or the full monthly fee (if applicable to the product you hold) plus 2% of the remaining balance. |
| Allocation of payments | Highest rate balances first. | Payments will be applied towards balances bearing the highest interest rate first. In applying this principle, the issuer will first apply payment to amounts that have appeared on your monthly statement, and they may secondly, apply payments to amounts that have not yet appeared on your monthly statement. |
Rewards and discounts
| Detail | |
|---|---|
| 1 Starpoint for each £1 spent | Starpoints can be redeemed for hotel nights in Starwood Hotels & Resorts, retail partners including Amazon, GAP and iTunes, flights with 30 major airlines, unique experiences and hotel rewards. Starpoints can also be transferred to frequent flyer miles (many on a 1 to 1 basis) with the major frequent flyer programs. |
| 10,000 Bonus Starpoints Available | Spend £1,000 in the first 3 months of account opening and receive 10,000 bonus Starpoints - enough for 5 complimentary nights in the Four Points by Sheraton Roma West Hotel in Rome, or 2 complimentary weekend nights at the Sheraton Salobre Golf Resort & Spa in the Canaries. |
| Free Weekend Night Available | Receive a free weekend night at any hotel or resort in categories 1 - 4 anywhere in the world when you spend £25,000 in purchases on this credit card each year you hold the account. |
Cardholder services
| Offered | Additional | |
|---|---|---|
| Online account management |  |
You can log in to the American Express web site and manage your American Express Starwood Preferred Guest credit card account online. > You can monitor cash back earnings online. > Optional paperless statements > SMS & e-mail alerts: Register for "Card Alerts" and choose to receive updates by SMS text message to your mobile phone or e-mail relating to your credit card account. Notification information includes: > Account balance > Confirmation of payments > Advance notification of nearing your credit limit > Advance notification of due payments > Notification of missed payments. |
| Fraud Guarantee | |
If you're a victim of fraud and have taken reasonable care with your account and PIN, you won't be held responsible for any fraudulent charges incurred. |
| Fraud Monitoring | |
Secure System American Express will monitor your account for any suspicious transactions and notify you as soon as possible to check if it's fraudulent or not. |
| Identity Protection |  |
- |
| Credit Report Access | |
- |
| 3D Secure | |
- |
| OneTouch Payments | |
- |
| Purchase Protection Insurance | |
Theft or accidental damage for 90 days after the purchase date. > Up to £20,000 in any 365 day period. > Eligible items up to a maximum of £2,500 > £50 excess applies. > Please note exclusions and limitations apply. |
| Purchase Delivery Insurance | |
- |
| Purchase In-Transit Insurance | |
As part of the 'Purchase Protection Insurance' policy (items must not be left unattended). |
| Refund Protection Insurance | |
Failure to obtain a refund of an eligible item from the retailer within 90 days of purchase. > Up to £800 in any 365 day period. > Up to £250 per item. > Brand new items only, costing between £25 and £250. > Please note exclusions and limitations apply. |
| Comprehensive Travel Insurance | |
- |
| Travel Accident Insurance | |
Up to £150,000 Travel accident insurance covers you against serious injury and death when you buy your travel tickets with this card. It is not an adequate substitute for a comprehensive travel insurance policy. |
| Travel Inconvenience Insurance | |
Flight delay and lost luggage cover. See policy for full details. |
| Assistance Abroad | |
Global Assist 24 hour emergency helpline while traveling. Services include help with lost luggage, finding a lawyer or an English-speaking doctor, interpretation, prescription replacement and urgent message relay back home. |
| Emergency Card Replacement | |
Emergency card replacement almost anywhere in the world. American Express can additionally help with hotel check-in and emergency cash advance. |
Please read the following notice:
The review on this page is intended to provide general information only and does not attempt to give advice that relates to your specific circumstances. If you are unsure as to the suitability of any financial product, you should discuss this with an independent financial advisor.
While we make every effort to ensure and maintain current and accurate information on this site and the review on this page will be periodically updated inline with product changes, it could contain rates, deals or facts which have now changed and therefore should not be solely relied upon.
You should check the full details of any product with the relevant provider before applying, and you are advised to conduct your own research as well.
We aim to provide free reviews and comparisons of consumer products. To keep the site free, we are paid by some providers when new customers take products after they've clicked on our links. We don't allow our editorial content to be affected by those links, however we may not include all of the products available in the market.
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