SPG Hotels

Logo For American Express


Starwood Preferred Guest Luxury

Application Link (Target: 100,000; Current: 75,000)

Annual Fee: $450

Earning Marriott Points

  • 6 points per dollar at Marriott and SPG hotels
  • 3 points per dollar with U.S. restaurants and flights directly with airlines
  • 2 points per dollar everywhere else.

SPG Luxury Card Benefits

  • $300 yearly credit for SPG and Marriott hotels
  • One free night at your account anniversary for hotels up to 50,000 points
  • Gold elite status (or Platinum Elite if you spend $75,000 in a calendar year)
  • Priority Pass (unlimited with 2 guests)
  • Global Entry/TSA PreCheck credit
  • No foreign transaction fees
  • Premium internet access at SPG/Marriott
  • Boingo internet access (useful at airports)
  • Roadside assistance (up to 4 times per year)
  • Secondary rental car insurance
  • Baggage insurance (lost, damaged, or stolen),
  • Extended warranty
  • 120-day purchase and return protection


Starwood Preferred Guest 

Application Link (Target: 75,000 points; Current: 75,000)

Annual Fee: $0 fee the first year, $95 for subsequent years.

Earning Marriott Points

  • 6 points per dollar at Marriott and SPG hotels.
  • 2 points per dollar everywhere else.

SPG Card Benefits

  • Anniversary free night certificate at a hotel costing up to 35,000 points
  • 15 elite night credits (enough for Marriott Silver status)
  • No foreign transaction fees
  • Premium internet access
  • Secondary rental car insurance
  • 120-day purchase protection
  • 90-day return protection
  • Extended warranty
  • Baggage insurance (lost, damaged, or stolen).


Starwood Preferred Guest Business

Application Link (Target: 100,000 points; Current: 75,000)

Annual Fee: $0 fee the first year, $95 for subsequent years.

Earning Marriott Points

  • 6 points per dollar at Marriott and SPG hotels.
  • 4 points per dollar at  U.S. restaurants, U.S. gas stations, U.S. wireless telephone, and U.S. shipping.
  • 2 points per dollar everywhere else.

SPG Business Card Benefits

  • Anniversary free night certificate at a hotel costing up to 35,000 points
  • 15 elite night credits (enough for Marriott Silver status)
  • No foreign transaction fees
  • Premium internet access
  • Secondary rental car insurance
  • 120-day purchase protection
  • Extended warranty.


Chase and American Express Bonus Rules for Marriott and SPG Cards

Chase, American Express, and Marriott teamed up to limit the sign-up bonuses of Marriott and SPG credit cards. Below is a chart to determine if you are eligible for a sign-up bonus. 

Current/Past Cards vs. New Cards You WantSPG ($95)SPG Business ($95)SPG Luxury ($450)Marriott Premier Plus ($95)Marriott Premier/Premier Plus Business ($99)
SPG ($95)Lifetime RuleEligibleEligibleWait 30 daysWait 30 days
SPG Business ($95)EligibleLifetime RuleEligible90 days/24 months90 days/24 months
SPG Luxury ($450) EligibleEligibleLifetime Rule90 days/24 months90 days/24 months
Marriott Rewards Premier ($85)Wait 30 Days90 days/24 months90 days/24 monthsWait 24 monthsEligible
Marriott Rewards Premier Plus ($95)Wait 30 days90 days/24 months90 days/24 monthsWait 24 monthsEligible
Marriott Rewards ($45)Wait 30 daysEligibleEligibleEligibleEligible
Marriott Rewards Premier Business ($99)EligibleWait 30 Days90 days/24 monthsEligibleWait 24 months
Marriott Rewards Business ($45)EligibleWait 30 daysEligibleEligibleEligible
Ritz ($450)Wait 30 DaysEligibleWait 30 daysEligibleEligible

Eligible= You are eligible for a sign-up bonus. 

Lifetime Rule= You are ineligible for a bonus during your lifetime, but in reality, that's about 7 years.

Wait 30 Days= You need to wait 30 days from canceling or product changing the card that you have or previously had.

24 Months= You need to wait 24 months from receiving a sign-up bonus and must no longer have the card.

90 days/24 months=  If you currently have this card, you need to wait 90 days from approval plus 24 months since a receiving a sign-up or upgrade bonus, to receive the sign-up bonus on the other card.