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Starwood Preferred Guest® Credit Card from American Express | 
Blue from American Express® | 
Blue Cash® from American Express | 
Clear from American Express® | 
Blue Sky from American Express |
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Good For | Free nights or flights with no blackout dates | Rewards and no annual fee | Unlimited cash rewards with no annual fee | Clear and simple automatic rewards. | Free travel with zero restrictions and no annual fee |
Welcome Offer | No annual fee for the first year & 10,000 Starpoints® after first purchase 1 | 0% APR for 6 months, no annual fee | 0% APR for 6 months, no annual fee | 0% APR for 6 months, no annual fee | 0% APR for 6 months, no annual fee |
How You Earn Points or Miles | Earn 2x Starpoints at participating Starwood hotels and resorts and 1x points everywhere else † | 1 point for every eligible dollar. 2X points at the American Express Travel website. 2X - 10X with select partners | Earn up to 5% cash back at supermarkets, gas stations and drugstores, plus up to 1.25% cash back for all other eligible purchases † | Get a $25 American Express® shopping card for every eligible $2,500 you spend on your Card † | Earn 1 point for every eligible dollar you spend.. † |
Using Points or Miles for Rewards | Redeem Starpoints® for free Night Awards at over 940 Starwood Hotels and Resorts and for flights on over 30 airlines with no blackout dates | Use points for rewards from over 500 brands | Receive your annual rebate as a credit on your statement one month following your Card Anniversary date | Spend your $25 American Express shopping card on virtually whatever you wish | Redeem 7,500 points for $100 off virtually any travel purchase including airlines (with no blackout dates), hotels, cruises and car rentals † |
Pay with Points or Miles |  | † | | | |
Extended Warranty | † | † | † | † | † |
Roadside Assistance | † | † | † | † | † |
APR on Purchases | 2.90% for 6 months;, then Prime + 11.99% | 0% for 6 months, then as low as Prime + 11.99% | 0% for 6 months, then as low as Prime + 13.99% | 0% for 6 months, then as low as Prime + 13.99% | 0% for 6 months, then as low as Prime + 13.99% |
Annual Fee | The first year's on us - then $45 | None | None | None | None |
Bill Payment Terms | Flexibility to pay over time | Flexibility to pay over time | Flexibility to pay over time | Flexibility to pay over time | Flexibility to pay over time |
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Apply Now | Apply Now | Apply Now | Apply Now | Apply Now |
The ability to pay for all or part of your next trip using points or miles.
Membership Rewards® Pay With Points is available on the Preferred Rewards Green Card, the Preferred Rewards Gold Card, the Premier Rewards Gold Card, the Platinum Card and Blue from American Express. Pay for all or part of your trip anywhere, anytime on any airline without seat restrictions or blackout dates.
SPG Flights is available on the Starwood Preferred Guest Credit Card. Use your Starpoints® to fly on hundreds of airlines, with no blackout dates or seat restrictions.
Pay with Miles is available on the Gold, Platinum, or Reserve Delta SkyMiles Credit Card. Pay for all or part of the fare with miles with no blackout dates or inventory restrictions. Our Concierge staff is available to you day or night as a personal resource for many different aspects of your life. Whether you need to select a restaurant and arrange the details of an upcoming special event or if you want expert advice selecting just the right gift, you can rely on Concierge to coordinate and take care of your requests, big and small. When you use your Card for eligible purchases, membership extends your warranty up to one year. Your car dies or blows a tire and you're stranded. Just call us and help will be on the way. By Invitation Only® is a program that gives Platinum Card® and Centurion® Card members exclusive access to once-in-a-lifetime experiences - from sports, fashion and fine dining to the visual and performing arts. These unique experiences are customized for Platinum Card members and are simply not available to the general public at any price.
Offerings have included a trip to Napa Valley at harvest time with private tours of wineries and a grape stomp; a wine lover's dinner with an appearance by a world-renowned wine critic; and the chance to have your portrait painted by a famous artist combined with the chance to explore his or her private studio and witness the artist at work. Access some of the best seats in the house for theater, concerts, sporting and family events, and more - get great tickets, often before they go on sale to the general public. With Money Manager, see all your accounts—including savings, checking, investments, credit cards and rewards programs—in one location. It's easy to use and makes it easy to get the "big picture," with graphs and charts on spending, savings and more. Just upload your accounts, then track spending, develop budgets and enjoy automatic updates of your account information. To be eligible to receive 10,000 bonus Starpoints®, you must make your first purchase with the Starwood Preferred Guest® Credit Card within one year of Card approval. Bonus points will appear on your Starwood Preferred Guest statement 8-12 weeks after your first purchase. Bonus Starpoints are for first-time Starwood Preferred Guest Credit Cardmembers only. Bonus Starpoints can only be received once per Cardmember, regardless of the number of Starwood Preferred Guest Credit Card accounts the Cardmember may have or had."Eligible Spending" includes purchases of goods or services, which purchases have not been returned or otherwise rescinded, and are not subject to a credit; it does NOT include fees, Finance Charges, Cash Advances (including the use of checks, line activators, automated teller machines or other means of accessing your account), Balance Transfers, or adjustments to your account. We reserve the right not to award any Starpoints for transactions we determine are not made with the good faith intention of consuming the item charged.
You will receive one additional Starpoint for each U.S. dollar of Eligible Spending charged on your Card account at participating Starwood properties , and at standalone retail establishments and online stores that, in each case, are wholly owned by Starwood Hotels & Resorts Worldwide, Inc.To be eligible to receive 10,000 bonus Starpoints®, you must make your first purchase with the Starwood Preferred Guest® Credit Card within one year of Card approval. Bonus points will appear on your Starwood Preferred Guest statement 8-12 weeks after your first purchase. Bonus Starpoints are for first-time Starwood Preferred Guest Credit Cardmembers only. Bonus Starpoints can only be received once per Cardmember, regardless of the number of Starwood Preferred Guest Credit Card accounts the Cardmember may have or had. Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy. This benefit is a coordination of the service and the Cardmember is resposible for all costs associated with this service. Coverage is applicable to the entire United States, Canada, and Puerto Rico. To qualify, all your American Express® Card accounts must be in good standing. The Membership Rewards® program enrolled Card account you designate will be charged for your purchase. Membership Rewards points will be debited from your program account and a credit will be issued to the Card account you designate for the corresponding dollar amount. If the points redeemed do not cover the entire amount of the charge, the balance of the purchase price will remain charged to the Card account you designate. Minimum redemption of 5,000 points. Permitted returns of items purchased with points that cause a credit on your Card account will result in a point deduction on your Membership Rewards program account. These points can be retrieved by calling Membership Rewards. Terms and Conditions of the Membership Rewards program apply and are available at membershiprewards.com/terms Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy. This benefit is a coordination of the service and the Cardmember is resposible for all costs associated with this service. Coverage is applicable to the entire United States, Canada, and Puerto Rico. Your Rebate is awarded annually for each Rebate Year (12 consecutive billing periods) in the form of a statement credit. For the first $6,500 of Eligible Purchases, the rebate is 1.0% for Everyday Purchases and 0.5% for all other Eligible Purchases; for Eligible Purchases of $6,500.01 or more, the rebate percentage is 5.0% for Everyday Purchases and 1.25% for all other Eligible Purchases. "Everyday Purchases" are Eligible Purchases made at the following categories of U.S. merchants that are not departments of superstores or warehouse clubs: supermarkets, drug stores, and automobile gasoline stations (for purchases of automobile gasoline only, except that any purchase in excess of $400 at an automobile gasoline station will not qualify as an Everyday Purchase). "Eligible Purchases" are charges to your account for goods or services that have not been returned or otherwise credited to your account. Eligible Purchases do not include finance charges, fees, cash advances or other means of accessing your account, convenience checks, balance transfers, or the purchase of American Express® Travelers Cheques and American Express® Gift Cheques or other cash equivalents. We reserve the right to exclude charges that we determine are not made for personal, family or household purposes; with the good faith intention of consuming the item charged; or with the intent to avoid a per-transaction rebate threshold. Additional terms and conditions apply. Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy. This benefit is a coordination of the service and the Cardmember is resposible for all costs associated with this service. Coverage is applicable to the entire United States, Canada, and Puerto Rico. Shopping cards are issued by American Express Incentive Services L.L.C., and are subject to additional Terms and Conditions. Shopping cards expire one year from the date of issuance. Cash and cash equivalent transactions and purchases (including balance transfers, convenience checks, and cash advances), finance charges, and purchase credit adjustments are not eligible for earning rewards. Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy. This benefit is a coordination of the service and the Cardmember is resposible for all costs associated with this service. Coverage is applicable to the entire United States, Canada, and Puerto Rico. You will accrue one (1) point for each U.S. dollar of net purchases (purchases net of any credit adjustment) charged on your Blue Sky Card account. Cash and cash equivalent transactions and purchases (including balance transfers, convenience checks, and cash advances), finance charges, fees, and purchase credit adjustments do not earn points. Points can only be redeemed in the form of a statement credit on eligible travel purchases (which are purchases at airlines, hotels, car rental companies, cruise lines, travel agencies, tour operators, and online travel sites billed to your account and submitted by the merchant using the proper industry, merchant, or product/service code). Redemption requests must be made within 60 days from the closing date shown on the billing statement on which the travel purchase first appears. Points may only be redeemed in increments of 7,500. Each 7,500-point increment is equal to a statement credit of up to $100, up to the amount of the eligible travel purchase. Additional terms and conditions apply. Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy. This benefit is a coordination of the service and the Cardmember is resposible for all costs associated with this service. Coverage is applicable to the entire United States, Canada, and Puerto Rico.Car Rental Loss & Damage Insurance (Policy AX0925 or Policy CRLDI-IND) Purchase Protection (Policy AX0951 or Policy PP-IND), Travel Accident Insurance (Policy AX0948), Baggage Insurance Plan (Policy AX0400 or Policy BIP-IND) are underwritten by AMEX Assurance Company Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of the respective policies (see above) and is subject to change with notice. This document does not supplement or replace the policy.
Global Assist - Emergency Travel Assistance
While the many Global Assist Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers.Car Rental Loss & Damage Insurance (Policy AX0925 or Policy CRLDI-IND) Purchase Protection (Policy AX0951 or Policy PP-IND), Travel Accident Insurance (Policy AX0948), Baggage Insurance Plan (Policy AX0400 or Policy BIP-IND) are underwritten by AMEX Assurance Company Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of the respective policies (see above) and is subject to change with notice. This document does not supplement or replace the policy.
Global Assist - Emergency Travel Assistance
While the many Global Assist Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers.Car Rental Loss & Damage Insurance (Policy AX0925 or Policy CRLDI-IND) Purchase Protection (Policy AX0951 or Policy PP-IND), Travel Accident Insurance (Policy AX0948), Baggage Insurance Plan (Policy AX0400 or Policy BIP-IND) are underwritten by AMEX Assurance Company Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of the respective policies (see above) and is subject to change with notice. This document does not supplement or replace the policy.
Global Assist - Emergency Travel Assistance
While the many Global Assist Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers.Car Rental Loss & Damage Insurance (Policy AX0925 or Policy CRLDI-IND) Purchase Protection (Policy AX0951 or Policy PP-IND), Travel Accident Insurance (Policy AX0948), Baggage Insurance Plan (Policy AX0400 or Policy BIP-IND) are underwritten by AMEX Assurance Company Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of the respective policies (see above) and is subject to change with notice. This document does not supplement or replace the policy.
Global Assist - Emergency Travel Assistance
While the many Global Assist Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers.
