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?