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Starwood Preferred Guest vs Premier Rewards Gold Card

Compare Rewards, Interest Rates, Fees, and Benefits

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Starwood Preferred Guest is an excellent rewards card for travelers looking for free hotel stays or airfare. How does it compare to Premier Rewards Gold Card from American Express, a points charge card? Read our comparison chart below.

Keep in mind, the Starwood Preferred Guest has a $0 introductory annual fee for the first year, then $95, while the Premier Rewards Gold Card has a Introductory annual fee of $0 for the first year, then $195.

Charge Card vs Credit Card: Starwood Preferred Guest® Credit Card from American Express is a credit card while Premier Rewards Gold Card from American Express is a charge card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

 Starwood Preferred Guest Credit Card from American ExpressPremier Rewards Gold Card from American Express
 Apply NowApply Now
 

Starwood Preferred Guest® Credit Card from American Express

Premier Rewards Gold Card from American Express

 Personal Credit CardPersonal Charge Card
 
Introductory Bonus Hotel RewardsTravel RewardsAirline RewardsBonus Airline RewardsHotel Rewards
Introductory Bonus Reward PointsAirline RewardsPoint RewardsGas RewardsGrocery Rewards
 
  • Earn 25,000 Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Planning a road trip? Rent your car, fill up your tank, book your hotel, and pay for it with your American Express® Card.
  • Terms Apply.
  • See Rates & Fees
  • Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
  • No Foreign Transaction Fees.
  • $100 Airline Fee Credit. Up to $100 a calendar year for baggage fees at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/hc.
  • $0 Intro Annual Fee for the 1st year, then $195.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
  • See Rates & Fees
 

Card Interest Rates & Fees

Purchase APR16.49% to 20.49% Variable based on your creditworthiness and other factorsN/A
Balance Transfers APR16.49% to 20.49% Variable based on your creditworthiness and other factorsN/A
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$0 introductory annual fee for the first year, then $95Introductory annual fee of $0 for the first year, then $195
 

Card Rewards & Benefits

Introductory Bonus Hotel RewardsIntroductory Bonus Hotel Rewards: Earn 25,000 Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months. 
Introductory Bonus Reward Points Introductory Bonus Reward Points: Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
Travel RewardsTravel Rewards 
Airline RewardsAirline Rewards: Transfer Starpoints to more than 30 airline frequent flyer programs, mostly on a one-to-one basis.
Redeem Starpoints® for flights on more than 150 airlines with SPG flights, with no blackout dates.
Airline Rewards: Earn 3X points for flights booked directly with airlines.
Bonus Airline RewardsBonus Airline Rewards: Get 5,000 bonus Starpoints after you transfer 20,000 Starpoints to a frequent flyer program with more than 30 airlines 
Hotel RewardsHotel Rewards: Earn 2 Starpoints® for each dollar of eligible purchases spent at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries, with no blackout dates.
 
Point Rewards Point Rewards: 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
Airline Status Airline Status: $100 Airline Fee Credit. Up to $100 a calendar year for baggage fees at one airline.
Hotel StatusHotel Status: Premium on-property Internet Access. Booking requirements apply.
Earn SPG Gold Status by spending $30,000 or more on your Card in a calendar year. Receive credit for 5 nights toward SPG elite status each year.
 
Gas Rewards Gas Rewards: Earn 2X points at US gas stations.
Grocery Rewards Grocery Rewards: Earn 2X points at US supermarkets.
Dining Rewards Dining Rewards: Earn 2X points at US restaurants.
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include American Airlines, Delta, 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.Airline Transfer Partners: Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Card Reviews

 Starwood Preferred Guest Credit Card from American ExpressPremier Rewards Gold Card from American Express
Pros & ConsPros:
  • Earn bonus points after you make $3,000 in purchases within the first 3 months
  • Flexible transfer to airlines miles
Cons:
  • $95 annual fee
Pros:
  • Promotional points offer
  • Airline fee credit
  • 3x points for flights booked directly with airlines. Terms Apply.
Cons:
  • $0 Intro Annual Fee for the 1st year, then $195
Bottom LineExcellent rewards card for travelers looking for free hotel stays or airfare... Read full reviewGood rewards card for cardholders who fly frequently or eat out... 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.


    Explore Starwood Preferred Guest® Credit Card from American Express In-Depth


    Explore Premier Rewards Gold Card from American Express In-Depth


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    Compare Premier Rewards Gold Card to:

    American Express Platinum
    Introductory Bonus Reward PointsTravel RewardsAirline RewardsHotel RewardsPoint RewardsNo Pre-Set Spending LimitConciergeEventsCar Rental Insurance Extended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance$0 Fraud LiabilityIdentity Theft Assistance
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    Blue Cash Preferred
    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
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