Starwood Preferred Guest

Regular APR: 13.24%
Introductory APR: 2.9% (6 Months)
Annual Fee: $45 (First Year Fee Waived)
Card Strength: Starwood Points
Credit Needed: Excellent

The Starwood Preferred Guest Credit Card lets you earn free nights at over 890 hotels and resorts in 95 countries.

  • Earn 10,000 Starpoints® with your first purchase
  • Earn an additional 15,000 Starpoints when you spend $15,000 in 6 months
  • Use Starpoints® for free nights and upgrades at Sheraton, W Hotels, Westin and more with no blackout dates

Intro Offer Earn up to 25,000 Starpoints®
Interest Rate 2.90% for 6 months

13.24% on purchases
Annual Fee No annual fee for the first year; $45 thereafter
Balance Transfer 2.90% during the first six months of Cardmembership on balance transfers submitted on the application.
Prime + 9.99% on future BTs
Rewards Details

  • Earn 10,000 Starpoints® with your first purchase – enough for up to 3 free nights at a Category 1 or 2 hotel
  • Earn an additional 15,000 Starpoints when you spend $15,000 in 6 months
  • Use Starpoints for free nights and upgrades at over 890 participating Starwood hotels and resorts in 95 countries
  • Earn one Starpoint for every dollar of eligible spending and double Starpoints at participating Starwood properties and retail outlets
  • No blackout dates
  • Pay no annual fee for the first year and only $45 thereafter

Additional Benefits

  • Transfer Starpoints® almost always on a 1:1 basis to the frequent flyer programs of over 30 major airlines
  • Save with American Express Selects (SM): Offers, savings, entertainment, and special events all in one great place
  • American Express Online Travel: Find competitive, low prices on air, hotel, and car rental reservations, vacation packages, cruises, and last-minute deals, too

Online Account Management Yes
Consumer Protection

  • Fraud Protection Guarantee: Covers you against unauthorized or fraudulent charges
  • Return Protection: Guarantees your satisfaction on designated items within 90 days from the date of purchase
  • Extended Warranty: Mirrors manufacturers’ warranties for covered products purchased with your Card account, for up to one additional year
  • Purchase Protection: Protects covered items for up to 90 days from the date of purchase if it is stolen or accidentally damaged
  • Save with American Express SelectsSM: Offers, savings, entertainment, and special events all in one great place
  • American Express Online Travel: Find competitive, low prices on air, hotel, and car rental reservations, vacation packages, cruises, and last-minute deals, too
  • Emergency Check-In: Check into a hotel and charge your stay with the Card, even if your Card has been lost or stolen
  • Assured Reservations: Guarantee your hotel reservations with your Card and your room will be waiting for you even if you are running late.

Bottom Line The clear choice if you stay frequently at Starwood hotels


Wired Plastic Prepaid Visa

Regular APR: NA
Introductory APR: NA
Annual Fee: $0
Card Type: Rebuilding Credit with Points
Credit Needed: Bad Credit

One of the few prepaid credit cards with a rewards program. Sign up today and avoid interest fees while paying with plastic.

  • Earn 1 point for every $1 spent, redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls
  • Pay Anyone Online or Over the Phone
  • Credit Builder with Overdraft Protection

Intro Offer Receive your card in as few as 3 days!
Interest Rate N/A
Annual Fee $0*
Rewards Details

  • FREE Rewards Program – Earn 1 point for every $1 spent, redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls
  • FREE Bill Pay Service – Pay Anyone Online or Over the Phone
  • FREE Credit Builder with Overdraft Protection

In Short: More features than any other prepaid with low fees