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If you adulation blockage in affluence hotels and appetite a accurate affluence biking experience, the Starwood Preferred Guest® American Express Affluence Agenda may be a acceptable choice. While it does backpack an ultra-luxury $450 anniversary fee, you can calmly get that aback and added in rewards and allowances depending on your spending habits. With a huge 100,000-point acceptable benefit catastrophe on October 31, 2018, it may be time to jump on this agenda to get the best accessible bulk from the SPG Affluence Card.
The SPG Affluence Agenda has a admired rewards program. While some biking agenda enthusiasts say it isn’t absolutely as acceptable of a bulk as the old Starwood Preferred Guest AmEx, it comes with abundant rewards and some amazing benefits.
The rewards bill for the SPG Affluence Agenda is Starwood Starpoints. These acclimated to be advised amid the best admired rewards credibility you can find, and still authority their weight in the acclaim agenda rewards landscape.
The agenda currently offers a massive 100,000-point acceptable benefit afterwards spending $5,000 on purchases in the aboriginal three months you accept the card. This action ends October 31, 2018, so bustle and assurance up anon if you appetite to alpha with a benefit annual 300,000 airline afar aback appointment to partners. That’s abundant for a few all-embracing round-trip tickets!
Earn 6x credibility per dollar spent at Starwood and Marriott hotels, 3x credibility per dollar at US restaurants, and 2x credibility everywhere else. Credibility alteration to Marriott and abounding ally at a 3:1 ratio, acceptation 1 Starpoint converts to 3 Marriott or airline credibility or miles. There are added than 40 alteration partners, admitting not all get the best alteration ratio.
Appointment to biking ally may be the best bulk per point. Thanks to the contempo Marriott/Starwood merger, Starpoints accord you admission to book chargeless nights at the better portfolio of hotels in the world.
Read more: 11 advantageous acclaim agenda deals you can get aback aperture a new agenda in October — including a 150,000-point bonus
Aback you pay an anniversary fee of $100, you apprehend some acceptable benefits. At $450, you get amid the best allowances accessible from any agenda at any issuer. This ultra-premium agenda does not disappoint. There are so abounding allowances we won’t awning them all, but these are some of the best accepted and admired allowances to apperceive about.
As a biking card, you get lots of biking protections and benefits. Those accommodate rental car insurance, biking blow insurance, and a all-around abetment hotline should you run into any above obstacles on your journeys. The agenda accuse no adopted transaction fee, so you can use it in or alfresco of the United States afterwards the approved 3% allegation from a archetypal acclaim card.
Aback shopping, you get an automated continued warranty, acquirement protection, and acknowledgment protection. For example, if you bead a aboriginal buzz and able the screen, acquirement aegis comes in to awning the bulk (limits apply). Bought article you can’t return? Acknowledgment aegis covers you for a aeon of time if the merchant won’t booty it back.
One of my admired allowances is the Priority Pass Select membership, annual hundreds of dollars per year. Priority Pass gives you chargeless admission to airport lounges about the world. Those lounges about action chargeless drinks, snacks, faster WiFi, cleaner bathrooms, and an haven abroad from the hustle and bustle of the terminal.
The agenda additionally covers the bulk of your TSA PreCheck or All-around Entry — the added admired All-around Entry includes PreCheck — already every four years. That’s annual an able $20 per year as a All-around Entry associates lasts for bristles years.
Read more: Exceptional auberge acclaim agenda face-off: Hilton Aspire vs. SPG Affluence — the champ is aboveboard accessible to us
We’ve already mentioned that this agenda carries a $450 anniversary fee. That puts the agenda in-line with cards like the Platinum Card® from American Express, Chase Sapphire Reserve, and added super-super-high end cards.
While there’s no adopted transaction fee, antithesis transfers and banknote beforehand affairs costs 3% of the transaction bulk ($5 minimum). Late and absent payments bulk up to $38 per occurrence.
Interest ante for purchases and antithesis transfers ambit from a capricious 17.74% to 26.74% APR, which can change at any time with bazaar rates. Your amount depends on your acclaim history. Banknote advances allegation a college capricious 27.24% APR. If you absence a payment, a 29.99% amends APR triggers.
If you pay off your agenda in abounding every ages and abstain antithesis transfers and banknote advances, you’ll never pay any fees or accuse alfresco of the $450 anniversary fee.
Is this agenda annual the $450 anniversary fee? For abounding people, it apparently isn’t annual it.
However, if you’re a big spender and adulation Starwood or Marriott hotels, this agenda offers a assertive accumulation of allowances with an abundantly admired rewards program. Starpoints are still absolutely admired afterwards the Marriott/SPG/Ritz Carlton rewards merger.
If the anniversary fee is too abundant for your to handle, there are added Marriott and Starwood cards annual considering, such as the Marriott Rewards cards with a chargeless anniversary accolade night annual up to 35,000 credibility for a lower anniversary fee, beneath $100. The Chase Sapphire Preferred Agenda and new American Express® Gold Agenda are additionally acceptable biking rewards alternatives with lower anniversary fees that can get you chargeless auberge nights.
But aback you booty into annual the big, limited-time 100,000-point acceptable bonus, this agenda emerges as a austere adversary you should accede as your aing acclaim card. You about consistently get abundant chump account from American Express, and the rewards and allowances accomplish this agenda a adversary for a atom in high-end traveler’s wallet.
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