The Starwood Preferred Guest® Credit Card

	Issued by American Express APPLY ONLINE
BASICS
APR (Interest Rate)	13.24%var
APR Computation Method	Average Daily Balance Including New Purchases
Intro APR	2.90% for 6 months.
Annual Fee	$ 45
Grace Period	20 days
FEES
Late Fee	$19 on balances less than $400 and $38 on balances $400 or greater.
Over-the-limit Fee	$35
CARD FEATURES
Customized Terms	N/A
Travel Rewards	N/A
Cash Rebate	N/A
Gas Rebate	N/A
Shopping Rewards	N/A
Hotel Rewards	Earn 10,000 Starpoints® with your first purchase - enough for up to 3 free nights at a Category 1 or 2 hotel. Plus earn an additional 15,000 Starpoints when you spend $15,000 in 6 months. Use Starpoints for free nights and upgrades at over 890 participating Starwood hotels and resorts in 95 countries. Transfer Starpoints almost always on a 1:1 basis to the frequent flyer programs of over 30 major airlines. Earn one Starpoint for every dollar of eligible spending and double Starpoints at participating Starwood properties and retail outlets. No blackout dates.
Balance Transfer	The intro APR for balance transfers is 2.90% for 6 months. After the intro period, the rate will be 13.24%. • APR: 2.9% during the first 6 months of Cardmembership on balance transfer requests submitted on this application and/or within the first 30 days of Cardmembership. • There is no balance transfer transaction fee associated with this offer. However, future balance transfers may incur a fee as disclosed at the time of the applicable offer or transaction.
Cash Advance	The APR for cash advances is 21.24%. Fee for Cash Advances: 3% of each transaction with $5.00 minimum and no maximum.
Default APR	The APR for default is 18.24% - 27.24%. • Your account is reviewed monthly and will be considered in default if minimum payments are not timely paid one time, or seriously in default if minimum payments are not timely paid two or more times.
Other Features	Instant Decision
Card Description	• Earn 10,000 Starpoints® with your first purchase*. • Transfer Starpoints. • Earn one Starpoint for every dollar of eligible spending. • First year no annual fee. • Express approval. Get a decision in less than 60 seconds.

Reasonable efforts are made to maintain accurate information. However, the information on the cards' rates and terms is presented without warranty. When you click on the "apply online" link you will have an opportunity to review the credit card terms and conditions on the credit card issuer's web site.