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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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Earn free Night Awards at 940 Starwood hotels and resorts in 93 countries and free flights on hundreds of airlines - all with no blackout dates.
More Details | Earn great rewards without an annual fee.
More Details | Earn up to 5% cash back with no annual fee and cash rewards.
More Details | Clear and simple with automatic rewards.
More Details | Earn free travel fast with no annual fee and no blackout dates or restrictions.
More Details |
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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 Rewards | Earn one Starpoint® for every dollar of eligible spending and double Starpoints at participating Starwood hotels and resorts. | Earn one point for virtually every dollar you spend. Earn 3x points when you shop at Bonus Points Mall®. | Earn up to 5% cash back at supermarkets, gas stations, and drugstores, plus up to 1.5% cash back for all your other purchases. † | Get a $25 American Express® shopping card for every eligible $2,500 you spend on your Card. † | Earn points on everything you buy - 1 point for virtually every dollar. † |
Redeeming 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. | Redeem for extraordinary rewards in shopping, dining & entertainment and travel. | Your rebate will appear 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. † |
Annual Fee | Pay no annual for the first year, then $45 | No annual fee | No annual fee | No annual fee | No annual fee |
APR on Purchases | 2.90% for 6 months, then Prime + 11.99% | 0% for 6 months, then as low as Prime Rate + 11.99% | 0% for 6 months, then as low as Prime Rate + 13.99% | 0% for 6 months, then as low as Prime Rate + 13.99% | 0% for 6 months, then as low as Prime Rate + 13.99% |
Spending Limit | Variable | Variable | Variable | Variable | Variable |
Guaranteed room reservations | |  | | | |
Travel Accident Insurance † | Yes, up to $100,000 | Yes, up to $100,000 | Yes, up to $100,000 | Yes, up to $100,000 | Yes, up to $100,000 |
24/7 Roadside Assistance | When > 100 miles from home † | When > 100 miles from home † | When > 100 miles from home † | When > 100 miles from home † | When > 100 miles from home † |
24/7 medical, legal, financial, or other emergency assistance while traveling † | When > 100 miles from home † | When > 100 miles from home † | When > 100 miles from home † | When > 100 miles from home † | When > 100 miles from home † |
Extended
Warranty † | | | | | |
expresspay from American Express® | | | | | |
Flexibility to pay over time | | | | | |
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Apply Now | Apply Now | Apply Now | Apply Now | Apply Now |
Earn rewards as points, miles, cash back and more for virtually every dollar you spend on your Card. With the Baggage Insurance Plan,get coverage against the loss of, and damage to, checked and carry-on baggage when you purchase your plane, train, helicopter, ship, or bus tickets with your Card. Book your room using this service and no matter how late you arrive, you ensure that a room will be available to you. If you're having car trouble, we'll get you back on track in no time with 24-hour assistance. From planning to booking, Platinum Travel Consultants are standing by 24/7 to assist with all your travel needs. When you're more than 100 miles away from home, rest assured that you'll be covered with around-the-clock emergency assistance. You and your family — or up to two travel companions — can wait for your flights in the comfort of a private airport club. The Fine Hotels & Resorts Program offers Card members special amenities at more than 600 luxurious properties around the world. Complimentary memberships in premium car rental programs from Avis® ,Hertz® and National Car Rental Travel Accident Insurance provides accidental death and dismemberment insurance while traveling on a Common Carrier Conveyance (plane, train, ship, helicopter, or bus) when the entire fare has been charged to the Card. American Express Card Baggage Insurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0400 or Policy BIP-IND and is subject to change with notice. This document does not supplement or replace the Policy. Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0948 and is subject to change with notice. This document does not supplement or replace the Policy. American Express Travel Related Services Company, Inc. acts solely as sales agent for travel suppliers and is not liable for the acts or inactions of such suppliers. CST#1022318-10, Washington UBI# 600-469-694 ML-1192, TA-002 Registered Iowa Travel Agency, NV 2001-0126. 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.In order to receive Fine Hotels & Resorts Program Program amenities and rates, reservations must be made through Platinum Travel Services. Payment must be made with an American Express Card in the Platinum Card member’s name. Room upgrade upon arrival is based on availability. One special program amenity per room, per stay. Special amenity restrictions vary by hotel and cannot be redeemed for cash. Platinum Card members may reserve up to two (2) additional rooms other than for their own use, inclusive of the standard amenities and negotiated rate. The member must accompany the party as a guest for which Fine Hotels & Resorts Program Program reservations are made. In the event the Platinum Card member cancels his or her reservation, the Fine Hotels & Resorts Program Program rates and amenities will no longer apply to any remaining reservation(s). Back-to-back stays within a 24-hour period at a single FH&R Hotel are considered one stay. Fine Hotels & Resorts Program Program participants and amenities subject to change without notice. Must reserve Fine Hotels & Resorts Program Program negotiated rates and room categories in order to receive amenities. American Express acts solely as sales agent for travel suppliers and is not liable for the acts or inactions of such suppliers. Additional hotel terms & conditions may apply, see americanexpress.com/fhr for details. CST# 1022318-10, Washington UBI# 600-469-694 ML-1192, TA-002 Registered Iowa Travel Agency, NV# 2001-0126 Benefits given to Platinum Card members are subject to each car rental company's terms and conditions, including age restrictions, and require enrollment to receive benefits. Card members must be affiliated with the Platinum Card Program codes. Hertz #1 Club Gold® is a registered trademark of Hertz System, Inc. Minimum rental age is 25 (exceptions apply). For Hertz #1 Club Gold, upgrades are subject to fleet availability at time of rental. Standard rental terms and conditions apply. Payment must be made using the Platinum Card from American Express. Card members are required to enroll in Hertz #1 Club Gold to become a member. National collects Frequent Flyer Tax Recoupment Surcharge to cover the federal tax on the cost of the miles awarded at the time of rental. Discount applies to base rate only. Taxes (including GST), other governmentally authorized or imposed surcharges, license recoupment/air tax recovery and concession recoupment fees, airport and airport facility fees, fuel, additional driver fee, one-way rental charge, and optional items are extra. Renter must meet standard age, driver, and credit requirements. Advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. National's Emerald Club and its services require a signed Master Rental Agreement on file. Get 24/7 professional support and assistance for restaurant reservations, gift recommendations, sophisticated event planning, and more with Concierge services.By Invitation Only® allows you to experience exclusive, once-in-a-lifetime events in sports, performing arts, and more.Platinum Dining® Reservations holds a reservation for Platinum Card® members to sample five-star cuisine or to experience chic bistros.Preferred Seating keeps you one step ahead of the rush with premium seats reserved and waiting for Card members.The Event Ticket Protection Plan is prepared to handle life's surprise entrances with reimbursement for Covered Incidents as defined in the Policy. This benefit is not available to residents of New York State. Transportation and accommodation costs are additional unless otherwise stated. The price indicated covers event costs only. All sales are final and non-refundable and resale is prohibited. Payment must be made using a [Business] Platinum Card from American Express. Details and prices are subject to change. Packages are available on a first-come first-served basis. Availability is limited. Reservations are based on a first come, first serve basis. All cancellations must be made by calling at least 24 hours in advance of your reservation, otherwise you will be subject to a cancellation fee of $15 per person (minimum of $60, maximum of $120). The following American Express Cards (domestic and/or international) are eligible for Gold Card Events: Gold Card, Platinum Card®, Centurion® Card, International Dollar Cards, Corporate Platinum Card and the Executive Business Card, Business Gold Card, Business Platinum Card and Business Centurion Card from OPEN, if issued by American Express Travel Related Services Company Inc., American Express Centurion Bank, American Express Bank, FSB. Gold Card Events is not offered to the following (domestic and/or international) Cards that include, but are not limited to, select American Express® Corporate Cards, Optima® Cards, Delta SkyMiles® Credit Cards, American Express Costco Credit Cards, American Express Cash Rebate Cards, Hilton HHONORS® Credit Cards or Starwood Preferred Guest® Credit Cards, Aeroplus® Credit Cards, AeroMexico® Cards, Indian Airlines® Cards, Air France® Cards, British Airways® Cards, KLM® Cards, Tiger Woods® Credit Cards. Event Ticket Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions and exclusions of Policy AX0974 or Policy ETP-IND and is subject to change with notice. This document does not supplement or replace the Policy. This benefit is not available to residents of New York State. With Extended Warranty, we'll extend the length of the original manufacturer's warranty for a period of time equal to the duration of the original manufacturer's warranty, for up to one year on purchases you make with your Card. Take advantage of exclusive shopping privileges and amenities with our luxury retailer partners With expresspay, there's no slip to sign — just hold your Card up to the special expresspay reader at the register and you're out the door in no time. 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. Subject to product and personnel availability. Enrollment required Pay your balance in full each month to maintain financial control over your account and avoid service charges. 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. Your eligible purchases can earn Starpoints® toward free nights at 860 of the finest Starwood Hotels & Resorts in 95 countries or flights on 30 major airlines. Plus, you can rest assured with 24/7 medical, legal, financial, or other emergency assistance while traveling.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.First Purchase Bonus
Earn 10,000 bonus Starpoints® with your first purchase - that's enough for up to three free nights. Double Starpoints
Earn double Starpoints on stays at participating Starwood® hotels and resorts and for purchases made at select retailers. 50% Off Annual Benefit
Enjoy an annual 50% off award, good for 50% off the regular rate on a future stay of up to five nights charged to the Card at participating Starwood hotels and resorts. This benefit is a coordination of the service and the Cardmember is resposible for all costs associated with this service. Service is provided in the 48 contiguous United States and Canada. 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. With Extended Warranty, we'll extend the length of the original manufacturer's warranty for a period of time equal to the duration of the original manufacturer's warranty, up to one year, so you won't have to worry about purchases you make with your Card. Make purchases without swiping your Card. With expresspay, there's no slip to sign - just hold your Card up to the special expresspay reader at the register and you're out the door in no time. Enjoy a grace period of up to 20 days for your monthly payments. Earn one Membership Rewards® point for virtually every dollar you spend, and then redeem for great rewards in travel, shopping, dining, and entertainment. Redeem Membership Rewards® points for air, hotel, vacation packages, and cruises, and rest assured with exceptional travel protection, 24/7. Redeem Membership Rewards® points for dining opportunities at select restaurants. Redeem Membership Rewards® points for tickets to theater, sporting, and music events. From electronics and sporting goods to fashion and accessories, you can redeem Membership Rewards® points for an incredible collection of shopping rewards. Earn double Membership Rewards® points when you book travel online through American Express Travel.
Earn double points when you shop with select retailers at Bonus Points Mall®.Assured Reservations
When you book your room using this service, you ensure that a room will be available to you, no matter how late you arrive. This benefit is a coordination of the service and the Cardmember is resposible for all costs associated with this service. Service is provided in the 48 contiguous United States and Canada. 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. With Extended Warranty, we'll extend the length of the original manufacturer's warranty for a period of time equal to the duration of the original manufacturer's warranty, up to one year, so you won't have to worry about purchases you make with your Card. Make purchases without swiping your Card. With expresspay, there's no slip to sign - just hold your Card up to the special expresspay reader at the register and you're out the door in no time. Transfer balances with American Express - you can save time and money by consolidating your higher-rate credit cards, department store cards, and other loans. Earn up to 5% cash back on every eligible purchase, with no restrictions on how much you can earn. Rest assured with 24/7 medical, legal, financial, or other emergency assistance while traveling. 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. Earn cash back on the things you buy - earn up to 5% at supermarkets, gas stations, and drugstores, plus up to 1.5% cash back for all your other purchases. When you spend over $6,500 on your Card, you boost your earnings from 0.5% to 1.5% on every eligible purchase you make. When you book your room using this service, you ensure that a room will be available to you, no matter how late you arrive. This benefit is a coordination of the service and the Cardmember is resposible for all costs associated with this service. Service is provided in the 48 contiguous United States and Canada. 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. Make purchases without swiping your Card. With expresspay, there's no slip to sign - just hold your Card up to the special expresspay reader at the register and you're out the door in no time. Transfer balances with American Express - you can save time and money by consolidating your higher-rate credit cards, department store cards, and other loans. Enjoy a grace period of up to 20 days for your monthly payments. Get an American Express® branded shopping card worth $25 every time you reach $2,500 of spending with your Clear Card. Rest assured with 24/7 medical, legal, financial, or other emergency assistance while traveling. 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.Assured Reservations
When you book a room using this service, you ensure that a room will be available to you, no matter how late you arrive. This benefit is a coordination of the service and the Cardmember is resposible for all costs associated with this service. Service is provided in the 48 contiguous United States and Canada. 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. This benefit is a coordination of the service and the Cardmember is resposible for all costs associated with this service. Service is provided in the 48 contiguous United States and Canada. With Extended Warranty, we'll extend the length of the original manufacturer's warranty for a period of time equal to the duration of the original manufacturer's warranty, up to one year, so you won't have to worry about purchases you make with your Card. Make purchases without swiping your Card. With expresspay, there's no slip to sign - just hold your Card up to the special expresspay reader at the register and you're out the door in no time. Enjoy a grace period of up to 20 days for your monthly payments. Earn points on the things you buy, and then redeem the points for a full statement credit on any travel purchase you make. Redeem points for a full statement credit on any travel purchases you make, including flights on any airline, any room at any hotel, any cruise, any rental car, and any travel package. 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.Assured Reservations
When you book your room using this service, you ensure that a room will be available to you, no matter how late you arrive. This benefit is a coordination of the service and the Cardmember is resposible for all costs associated with this service. Service is provided in the 48 contiguous United States and Canada. 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. With Extended Warranty, we'll extend the length of the original manufacturer's warranty for a period of time equal to the duration of the original manufacturer's warranty, up to one year, so you won't have to worry about purchases you make with your Card. Make purchases without swiping your Card. With expresspay, there's no slip to sign - just hold your Card up to the special expresspay reader at the register and you're out the door in no time. Transfer balances with American Express - you can save time and money by consolidating your higher-rate credit cards, department store cards, and other loans. Enjoy a grace period of up to 20 days for your monthly payments.
