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Starwood Preferred Guest® Credit Card from American Express vs Citi® Hilton HHonors Visa Signature® Card

Compare Rewards, Interest Rates, Fees, and Benefits

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Starwood Preferred Guest Credit Card is an excellent rewards card for travelers looking for free hotel stays or airfare. How does it compare to Citi Hilton HHonors Visa, a hotel credit card? Read our comparison chart below.

Keep in mind, the Starwood Preferred Guest Credit Card has a $0 introductory annual fee for the first year, then $65, while the Citi Hilton HHonors Visa has a $0 annual fee.

 Starwood Preferred Guest Credit Card from American ExpressCiti Hilton HHonors Visa Signature Card
 Apply for Starwood Preferred Guest Credit Card from American ExpressApply for Citi Hilton HHonors Visa Signature Card
 

Starwood Preferred Guest® Credit Card from American Express

Citi® Hilton HHonors Visa Signature® Card

 

Credit Card Summary

 
Introductory Bonus Hotel RewardsAirline RewardsHotel RewardsTravel RewardsBonus Airline Rewards
Introductory Bonus Hotel RewardsHotel RewardsDrugstore RewardsGas RewardsGrocery Rewards
 
  • Earn up to 25,000 bonus Starpoints®
  • Earn 10,000 Starpoints after your first purchase on the Card and an additional 15,000 Starpoints after you use your new Card to make $5,000 in purchases within the first 6 months.
  • Redeem Starpoints for free nights at over 1,100 hotels & resorts in nearly 100 countries and for free flights on over 150 airlines with SPG Flights - all with no blackout dates.
  • Some hotels may have mandatory service and resort charges.
  • Starpoints stay active as long as you continue to spend on your Card.
  • $0 introductory annual fee for the first year, then $65.
  • Terms and Restrictions apply.
  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • No annual fee.*
 

Credit Card Interest Rates & Fees

Purchase APR15.24% to 19.24% variable based on your creditworthiness and other factors15.24% to 19.24%* (Variable) based on your creditworthiness and other factors
Balance Transfers APR15.24% to 19.24% variable based on your creditworthiness and other factors 
Annual Fee$0 introductory annual fee for the first year, then $65$0 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Hotel RewardsIntroductory Bonus Hotel Rewards: Earn up to 25,000 bonus Starpoints®: Earn 10,000 Starpoints after your first purchase on the Card and an additional 15,000 Starpoints after you use your new Card to make $5,000 in purchases within the first 6 months.Introductory Bonus Hotel Rewards: Earn 40,000 Hilton HHonors Bonus Points after making $1,000 in purchases within 4 months of account opening
Airline RewardsAirline Rewards: Redeem Starpoints on over 150 airlines with SPG Flights (all with no blackout dates). Transfer Starpoints to more than 30 airline frequent flyer programs, mostly on a one-to-one basis. 
Hotel RewardsHotel Rewards: Earn 1 Starpoint® for each dollar of eligible purchases. Earn more Starpoints for stays. Redeem Starpoints for free nights at over 1,100 hotels & resorts in nearly 100 countries. Some hotels may have mandatory service and resort charges.Hotel Rewards: Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton portfolio.*
Travel RewardsTravel Rewards 
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 
Gas Rewards Gas Rewards: Earn 3 HHonors Bonus Points per $1 spent on purchases at gas stations
Grocery Rewards Grocery Rewards: Earn 3 HHonors Bonus Points per $1 spent on purchases at supermarkets
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Credit Card Reviews

 Starwood Preferred Guest Credit Card from American ExpressCiti Hilton HHonors Visa Signature Card
Pros & ConsPros:
  • Earn bonus points upon first purchase
  • Flexible transfer to airlines miles
Cons:
  • $65 annual fee
Pros:
  • 40,000 bonus points
  • HHonors Silver status
  • No annual fee
Cons:
  • No introductory APR
Bottom LineExcellent rewards card for travelers looking for free hotel stays or airfare... Read full reviewGreat card for travelers looking to earn hotel rewards without paying an annual fee... Read full review
 Apply for Starwood Preferred Guest® Credit Card from American ExpressApply for Citi® Hilton HHonors Visa Signature® Card
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 indicate either the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwised endorsed by any card issuer.


    Articles on Starwood Preferred Guest® Credit Card from American Express

      AMEX Starwood Review: Versatile Hotel and Airline Rewards

      AMEX Starwood Review

      December 16, 2011 - By David R - Reviews for Starwood Preferred Guest Credit Card
      A favorite among many travel bloggers, the Starwood Preferred Guest Credit Card offers travel rewards and American Express customer service for a $65 annual fee. The sign-up bonuses and 1:1 point transfer to other frequent traveler programs make this card a worthy credit card for travelers to consider, even if you don’t stay exclusively at Starwood hotels.

      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 Citi® Hilton HHonors Visa Signature® Card

      Citi Hilton HHonors Visa Signature Card Review: 40000 Bonus Points

      Citi Hilton HHonors Visa Signature Card Review

      January 20, 2012 - By David R - Reviews for Citi Hilton HHonors Visa
      The Citi Hilton HHonors Visa is an excellent rewards card for travelers who enjoy staying at Hilton hotels. This card earns free nights at Hilton hotels around the world and gives you HHonors Status with the Hilton chain.

      Editorial Note: This content is not provided by Citi. 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 Citi.


    Compare Starwood Preferred Guest Credit Card to:

    Gold Delta SkyMiles Credit Card from American Express

    Gold Delta SkyMiles® Credit Card from American Express

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    NoneNone
    15.24% - 19.24% Variable
    Introductory Bonus Airline RewardsAirline RewardsCar Rental InsuranceExtended Warranty
      Citi / AAdvantage Platinum Select MasterCard

      Citi® / AAdvantage® Platinum Select® MasterCard®

      Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
      N/AN/A
      13.99% - 21.99%* (Variable)
      Introductory Bonus Airline RewardsAirline RewardsBonus Airline RewardsNo Expiration on Rewards
        Chase Freedom

        Chase Freedom®

        Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
        0% for 15 months
        0% for 15 months
        13.99% - 22.99% (Variable)

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          About CreditDonkey®
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          Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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          *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

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