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Excellent Credit ..

750-850

Good Credit .......

660-749

Fair Credit ..........

620-659

Poor Credit .........

350-619

No Credit ..................

0-0

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CREDIT CARD DETAILS

American Express

Starwood Preferred Guest® Card

Card Highlights:

Card Category:	Consumer
Card Type:	Unsecured
Required Credit Rating:	Excellent / Good
Issuing Country:	United States

Available Rewards:

For explanation of each icon click here

Miles	Cash	Points	Charity

About:

2.9% Intro APR for 6 months.
Earn 10,000 Starpoints with your first purchase.
Earn 15,000 bonus Starpoints when you spend $15,000 in 6 months.
Earn 1 Starpoint for every dollar of eligible spending.
Transfer Starpoints® - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines.
First year fee-free and only $45 thereafter.

Credit Card Rates

Purchases:
Introductory APR:	2.9%
Introductory Period:	6 months
Ongoing APR:	13.99%
Default APR:	see terms
Minimum Grace Period:	20 days
Minimum Finance Charge:	$0.50

Balance Transfers:
Introductory APR:	2.9%
Introductory Period:	6 months
Ongoing APR:	13.99%
Default APR:	see terms
Minimum Grace Period:	n/a
Minimum Finance Charge:	$0.50

Cash Advances:
Introductory APR:	n/a
Introductory Period:	n/a
Ongoing APR:	see terms
Default APR:	see terms
Minimum Grace Period:	n/a
Minimum Finance Charge:	$0.50

Credit Card Transaction Fees

Balance Transfer Fees:
Minimum:	$0¹⁷
Fee Rate:	n/a
Maximum:	n/a

Cash Advance Fees:
Minimum:	$5
Fee Rate:	3%
Maximum:	n/a

Foreign Exchange Fees:
Minimum:	see terms
Fee Rate:	see terms
Maximum:	see terms

Credit Card Other Fees

Initial Fees:
Setup Fee:	$0

Maintenance Fees:
Annual Fee:	$0⁷¹

Penalty Fees:
Late Payment Fee:	see terms

¹⁷ 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.
⁷¹ First year fee-free, then $45.