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American Express® Gold Card vs Starwood Preferred Guest® Credit Card from American Express

Compare Rewards, Interest Rates, Fees, and Benefits

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American Express Gold Card is a good rewards card for cardholders who fly frequently or eat out. 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 American Express Gold Card has a $250 annual fee, while the Starwood Preferred Guest has a $0 introductory annual fee for the first year, then $95.

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

 American Express Gold CardStarwood Preferred Guest Credit Card from American Express
 Apply NowApply Now
 

American Express® Gold Card

Starwood Preferred Guest® Credit Card from American Express

 Personal Charge CardPersonal Credit Card
 
Introductory Bonus Reward PointsAirline RewardsPoint RewardsGrocery RewardsNo Pre-Set Spending Limit
Introductory Bonus Hotel RewardsBonus Airline RewardsBonus Hotel RewardsHotel RewardsNo Limits on Rewards
 
  • Get the American Express® Gold Card in Limited Edition Rose Gold, only available until 1/9/2019.
  • Receive 20% back as a statement credit at U.S. Restaurants within the first 3 months, up to $100 back. Offer available to new Card Members who apply by 1/9/2019.
  • Plus, earn 25,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
  • Earn 4X Membership Rewards® points at US restaurants. Earn 4X Membership Rewards® points at US supermarkets (on up to $25,000 per year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to $10 in statement credits monthly when you pay with the Gold Card at participating dining partners. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per year for incidental fees at one selected airline.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • 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
 

Card Interest Rates & Fees

Purchase APRSee Rates & Fees17.74% to 26.74% Variable based on your creditworthiness and other factors
Balance Transfers APRSee Rates & Fees17.74% to 26.74% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$250 annual fee$0 introductory annual fee for the first year, then $95
 

Card Rewards & Benefits

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.
Introductory Bonus Reward PointsIntroductory Bonus Reward Points: Earn 25,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months. 
Airline RewardsAirline Rewards: Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. 
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.
Point RewardsPoint Rewards: Earn 4X Membership Rewards® points at US restaurants. Earn 4X Membership Rewards® points at US supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. 
Airline StatusAirline Status: $100 Airline Fee Credit: up to $100 in statement credits per year for incidental fees at one selected airline. 
Hotel Status Hotel Status: Earn SPG Gold Status by spending $30,000 or more on your Card in a calendar year.
Grocery RewardsGrocery Rewards: Earn 4X Membership Rewards® points at US supermarkets (on up to $25,000 per year in purchases, then 1X). 
Dining RewardsDining Rewards: Earn 4X Membership Rewards® points at US restaurants. 
Airline Transfer PartnersAirline 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.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® Card Reviews

 American Express Gold CardStarwood Preferred Guest Credit Card from American Express
Pros & ConsPros:
  • Welcome bonus
  • Airline fee credit
  • 3x points for flights booked directly with airlines
Cons:
  • $250 annual fee
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 LineGood rewards card for cardholders who fly frequently or eat out... Read full reviewExcellent rewards card for travelers looking for free hotel stays or airfare... Read full review
 Apply NowApply Now

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 American Express® Gold Card In-Depth


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


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Compare American Express Gold Card to:

Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
17.74% - 24.74% Variable
Annual Fee
$0 Intro for the First Year, then $95
American Express Platinum

The Platinum Card® from American Express

Introductory Bonus Reward PointsTravel RewardsAirline RewardsHotel Rewards
Annual Fee
$550
Blue Cash Preferred

Blue Cash Preferred® Card from American Express

Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% on Purchases for 12 months
0% on Balance Transfers for 12 months
14.99% - 25.99% Variable
Annual Fee
$95

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Compare Starwood Preferred Guest to:

American Express Hilton
Introductory Bonus Hotel RewardsHotel RewardsGas RewardsGrocery RewardsDining RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection Baggage InsuranceTravel Accident Insurance$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.74% - 26.74% Variable
$0

Gold Delta SkyMiles
Introductory Bonus Airline RewardsAirline RewardsCar Rental InsuranceExtended WarrantyPurchase Protection$0 Fraud LiabilityEmergency Assistance
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.74% - 26.74% Variable
$0 introductory annual fee for the first year, then $95

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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.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.