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Starwood Preferred Guest vs American Express Platinum

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 American Express Platinum, a travel and airline 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 American Express Platinum has a $550 annual fee.

Charge Card vs Credit Card: Starwood Preferred Guest® Credit Card from American Express is a credit card while The Platinum 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 ExpressThe Platinum Card from American Express
 Apply NowApply Now
 

Starwood Preferred Guest® Credit Card from American Express

The Platinum Card® from American Express

 Personal Credit CardPersonal Charge Card
 
Introductory Bonus Hotel RewardsBonus Airline RewardsBonus Hotel RewardsHotel RewardsNo Limits on Rewards
Introductory Bonus Reward PointsTravel RewardsAirline RewardsHotel RewardsPoint Rewards
 
  • 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
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
 

Card Interest Rates & Fees

Purchase APR17.74% to 26.74% Variable based on your creditworthiness and other factorsN/A
Balance Transfers APR17.74% to 26.74% 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 $95$550 annual fee
 

Card Rewards & Benefits

Introductory Bonus Hotel RewardsIntroductory 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 Points Introductory Bonus Reward Points: Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
Travel Rewards Travel Rewards
Airline Rewards Airline Rewards: 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
Bonus Airline RewardsBonus Airline Rewards: Marriott International, Inc. will add 15,000 points for every 60,000 points you transfer to airlines miles. 
Bonus Hotel RewardsBonus 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 RewardsHotel 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 Rewards: 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
Point Rewards Point Rewards: Earn 1 point for virtually every dollar spent.
Airline Status Airline Status: $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline. Terms Apply.
Access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass(TM) Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
Hotel StatusHotel Status: Earn SPG Gold Status by spending $30,000 or more on your Card in a calendar year.Hotel Status: Enroll for complimentary SPG Gold Status (Starwood Preferred Guest Gold Preferred Guest).
Enroll for complimentary Hilton Honors Gold Status.

Fine Hotels & Resorts - book your stay through American Express FHR at one of 600 luxury hotels and you may get a room upgrade upon arrival, daily continental breakfast for 2, guaranteed 4pm late checkout and a special amenity unique to each property. Terms Apply.
Airline Transfer PartnersAirline 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.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 ExpressThe Platinum 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:
  • Travel benefits
  • 60,000 bonus points after you spend $5000 in first 3 months
  • Concierge service
Cons:
  • $550 annual fee
Bottom LineExcellent rewards card for travelers looking for free hotel stays or airfare... Read full reviewExcellent charge card for frequent travelers... 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.

    Which is Better: Starwood Preferred Guest or American Express Platinum?

    Still need help deciding which travel card is better? Read the in-depth reviews below. You may also be interested in comparing Starwood Preferred Guest or Chase Sapphire Preferred.


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


    Explore The Platinum Card® from American Express In-Depth


    Which Do You Like and Why?

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    Compare Starwood Preferred Guest to:

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    Introductory Bonus Hotel RewardsHotel RewardsGas RewardsGrocery Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
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    Chase Sapphire Preferred

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    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

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    Compare American Express Platinum to:

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    Introductory Bonus Reward PointsTravel RewardsAirline RewardsBonus Airline Rewards
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    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
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    Barclaycard Arrival Plus

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    Introductory Bonus Airline RewardsTravel RewardsAirline RewardsHotel Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/A
    0% intro APR for first 12 billing cycles following each BT that posts within 45 days of account opening
    17.99%, 21.99% or 24.99% variable based on your creditworthiness
    Annual Fee
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