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Starwood Preferred Guest® Credit Card from American Express vs Chase Freedom Unlimited®

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 Chase Freedom Unlimited, a cash back credit 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 Chase Freedom Unlimited has a $0 annual fee.

 Starwood Preferred Guest Credit Card from American ExpressChase Freedom Unlimited
 Apply NowApply Now
 

Starwood Preferred Guest® Credit Card from American Express

Chase Freedom Unlimited®

 

Credit Card Summary

 
  • 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
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
 

Credit Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR for 15 months
Introductory APR for Balance TransfersN/A0% introductory APR for 15 months
Purchase APR17.74% to 26.74% Variable based on your creditworthiness and other factors16.74% to 25.49% Variable based on your creditworthiness and other factors
Balance Transfers APR17.74% to 26.74% Variable based on your creditworthiness and other factors16.74% to 25.49% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee3% of each transaction in U.S. dollars
Annual Fee$0 introductory annual fee for the first year, then $95$0 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash Back Introductory Bonus Cash Back: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
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. 
Cash Back Rewards Cash Back Rewards: Unlimited 1.5% cash back on every purchase - it's automatic!
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 StatusHotel Status: Earn SPG Gold Status by spending $30,000 or more on your Card in a calendar year. 
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. 
 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 ExpressChase Freedom Unlimited
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:
  • Unlimited 1.5% cash back
  • $150 bonus offer
  • Intro APR
Cons:
  • Foreign transaction fee
Bottom LineExcellent rewards card for travelers looking for free hotel stays or airfare... Read full reviewGreat cash back credit card for everyday purchases... Read full review
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    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: 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 any card issuer.


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


    Explore Chase Freedom Unlimited® In-Depth


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    Compare Starwood Preferred Guest to:

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    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
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    Introductory Bonus Cash BackCash Back RewardsNo Expiration on RewardsNo Limits on Rewards
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