Is the SPG Amex Dethroning the Chase Sapphire Reserve?

See what the Starwood Preferred Guest Luxury card has to offer.

The Chase Sapphire Reserve card has been the gold standard — or sapphire standard, in this case — for high-end travel rewards cards since its release, with a whopping 50,000 bonus points available for spending $4,000 or more in the first three months.

Now, though, a challenger arises. The Starwood Preferred Guest Amex Luxury card offers even more bonus points and very generous bonus categories for SPG rewards that could return more value to consumers than the Chase Sapphire Reserve — and at the same annual fee of $450.

Keep reading to compare the benefits of the Chase Sapphire Reserve card to the Starwood Preferred Guest Luxury credit card.

Starwood Preferred Guest American Express Luxury Card at a Glance
  • 6x points on spending at Marriott Rewards hotels
    3x points for spending at U.S. restaurants and flights booked through airlines
    2x points on all other eligible purchases
  • Annual $300 statement credit for Marriott Rewards hotels
  • 75,000 bonus points for spending $3,000 in the first three months
  • $450 annual fee
  • 17.74% to 26.74% variable APR
  • Not all vendors accept American Express credit cards

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What You Need to Know About Starwood Preferred Guest Amex Luxury Card

Although the high $450 annual fee means you need to use the Starwood credit card frequently to get your money’s worth, travelers who prefer staying at hotels in the Marriott family will likely find plenty of opportunities to cash in on the generous rewards.

Best For: Frequent travelers, members of Marriott Rewards programs and businesses that frequently entertain clients and rack up high travel costs

Best Features of Starwood Preferred Guest Amex Luxury Card

The sixfold multiplier on stays at Marriott Rewards hotels means that people who travel on a regular basis are going to get the best value for the Starwood Amex. You can further boost your rewards by joining the Marriott Rewards program. With 6,700 hotels and 29 brands in the network, the odds are good that you’ll be able to find a Marriott hotel to stay wherever you are.

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People who don’t often stay with Marriott Rewards partners can still benefit from the triple points on restaurants and flights booked directly with airlines, giving travelers plenty of options to score rewards for moving their spending onto this card.

Related: Best ‘No Annual Fee’ Credit Cards

Amex SPG Card Delivers on Rewards and Stands Up to Chase Sapphire Reserve

If you’re a frequent traveler, you’ll have plenty of opportunities to rack up rewards points on hotel stays, flights and eating out — not to mention cash in on your annual $300 travel credit. Although you’ll need to be sure you’re getting plenty of use out of the Starwood Preferred Guest Amex Luxury credit card to warrant the high annual fee, the generous rewards could allow you to reap a ton of value from your normal spending.

Click to find the best travel credit card for your lifestyle.

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About the Author

Joel Anderson

Joel Anderson is a business and finance writer with over a decade of experience writing about the wide world of finance. Based in Los Angeles, he specializes in writing about the financial markets, stocks, macroeconomic concepts and focuses on helping make complex financial concepts digestible for the retail investor.

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