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I currently have both The Starwood Preferred Guest® Credit Card from American Express and the Starwood Preferred Guest® Business Credit Card. The annual fee for my personal card is coming up in about a month and I just got the Business Card a few weeks ago due to the higher sign-up bonus. Both cards have an annual fee of $95 USD with the first year waived.

Hotel Bristol, Warsaw

Hotel Bristol, Warsaw

Both cards also share virtually the same benefits:

  • 25.000 Bonus Starpoints for signing up and spending $3k (Personal) or $5k (Business)
  • Credit for 5 nights and 2 stays towards SPG elite status each year
  • No foreign transaction fees
  • Free, Premium in-room Internet
  • Unlimited Boingo Wi-Fi around the world
  • Sheraton Club Lounge Access (Business card only)

I have/will have the bonus Starpoints from both cards and that’s the main reason why I signed up for both. Honestly, for me, the other benefits don’t matter at all. I don’t care about the elite-qualifying night/stay credit because I already have SPG Gold thanks to my AMEX Platinum card and I won’t qualify for anything higher than Gold since I don’t stay at hotels a ton. Likewise, the other benefits don’t matter to me since most of my primary cards already have no foreign transaction fees and my AMEX Platinum also offers free Boingo Wi-Fi.

Since the annual fee for my personal card is coming up, I’m going to cancel it. There’s no point for me personally to have both cards since I rarely use the SPG cards anyway, as there are better ways to earn points due to bonus categories on other cards.

Will you be keeping both AMEX SPG Credit Cards?


Editorial Note: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.