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Blue Cash Preferred vs Starwood Preferred Guest

Compare Rewards, Interest Rates, Fees, and Benefits

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Blue Cash Preferred is an excellent cash back credit card for families. How does it compare to Starwood Preferred Guest from American Express, a travel and hotel credit card? Read our comparison chart below.

Keep in mind, the Blue Cash Preferred has a $95 annual fee, while the Starwood Preferred Guest has a $0 introductory annual fee for the first year, then $95.

 Blue Cash Preferred Card from American ExpressStarwood Preferred Guest Credit Card from American Express
 Apply NowApply Now
 

Blue Cash Preferred® Card from American Express

Starwood Preferred Guest® Credit Card from American Express

 

Credit Card Summary

 
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental Insurance
Introductory Bonus Hotel RewardsBonus Airline RewardsBonus Hotel RewardsHotel RewardsNo Limits on Rewards
 
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
  • Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 6 points for each dollar of eligible purchases at participating SPG® and Marriott Rewards® hotels and 2 points on all other eligible purchases.
  • No Foreign Transaction Fees on International purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 35,000 points) at a participating hotel. Select hotels have resort fees.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
 

Credit Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR on Purchases for 12 monthsN/A
Introductory APR for Balance Transfers0% introductory APR on Balance Transfers for 12 monthsN/A
Purchase APR14.99% to 25.99% Variable based on your creditworthiness and other factors17.74% to 26.74% Variable based on your creditworthiness and other factors
Balance Transfers APR14.99% to 25.99% Variable based on your creditworthiness and other factors17.74% to 26.74% Variable based on your creditworthiness and other factors
Foreign Transaction Fee2.7% of each transaction after conversion to US dollars.No foreign transaction fee
Annual Fee$95 annual fee$0 introductory annual fee for the first year, then $95
 

Credit Card Rewards & Benefits

Introductory Bonus Cash BackIntroductory Bonus Cash Back: $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. 
Introductory Bonus Hotel Rewards Introductory Bonus Hotel Rewards: Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
Cash Back RewardsCash Back Rewards: 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year. 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases. 
Bonus Airline Rewards Bonus Airline Rewards: Marriott International, Inc. will add 15,000 points for every 60,000 points you transfer to airlines miles.
Bonus Hotel Rewards Bonus Hotel Rewards: Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 35,000 points) at a participating hotel. Select hotels have resort fees.
Hotel Rewards Hotel Rewards: Earn 6 points for each dollar of eligible purchases at participating SPG® and Marriott Rewards® hotels and 2 points on all other eligible purchases.
Hotel Status Hotel Status: Earn SPG Gold Status by spending $30,000 or more on your Card in a calendar year.
Gas RewardsGas Rewards: 3% cash back at U.S. gas stations. 
Grocery RewardsGrocery Rewards: 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year. 
Airline Transfer Partners Airline Transfer Partners: Airline transfer partners include American Airlines, Delta, Southwest, Alaska Airlines, Hawaiian Airlines, British Airways, Aeromexico, Air Canada, Air France (Flying Blue), Emirates, Qatar Airways, Cathay Pacific (Asia Miles), Virgin Atlantic, Avianca, Singapore Airlines, Korean Air, Etihad, Asiana Airlines, Air China, Alitalia, Air Berlin, Jet Airways, China Southern Airlines, Japan Airlines, Hainan Airlines, Thai Airways, Virgin Australia, Aegean Airlines, Miles and More, All Nippon Airways, China Eastern, and more.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Credit Card Reviews

 Blue Cash Preferred Card from American ExpressStarwood Preferred Guest Credit Card from American Express
Pros & ConsPros:
  • 6% at US supermarkets (up to $6k/year in purchases, then 1%)
  • 3% at US gas stations
  • Bonus cash back promotional offer
Cons:
  • $95 annual fee
  • Not a Visa/MasterCard
Pros:
  • Earn bonus points after you make $3,000 in purchases within the first 3 months
  • Flexible transfer to airlines miles
Cons:
  • $95 annual fee
Bottom LineExcellent cash back credit card for families... Read full reviewExcellent rewards card for travelers looking for free hotel stays or airfare... Read full review
 Apply NowApply Now
What Others View

    See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

    Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express.


    Articles on Blue Cash Preferred® Card from American Express


    Articles on Starwood Preferred Guest® Credit Card from American Express


    Compare Blue Cash Preferred to:

    Blue Cash Everyday
    Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance $0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    0% on Purchases for 15 months
    0% on Balance Transfers for 15 months
    14.99% - 25.99% Variable
    $0

    Chase Sapphire Preferred
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    17.99% - 24.99% Variable
    $0 Intro for the First Year, then $95

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    Compare Starwood Preferred Guest to:

    American Express Gold Card

    American Express® Gold Card

    Introductory Bonus Reward PointsAirline RewardsPoint RewardsGrocery Rewards
    Annual Fee
    $250
    American Express Hilton

    Hilton Honors American Express Card

    Introductory Bonus Hotel RewardsHotel RewardsGas RewardsGrocery Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.74% - 26.74% Variable
    Annual Fee
    $0
    Gold Delta SkyMiles

    Gold Delta SkyMiles® Credit Card from American Express

    Introductory Bonus Airline RewardsAirline RewardsCar Rental InsuranceExtended Warranty
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.74% - 26.74% Variable
    Annual Fee
    $0 introductory annual fee for the first year, then $95

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