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American Express
Starwood Preferred Guest® Card

		2.90% Intro APR for 6 months on Purchases
		2.90% Intro APR for 6 months on Balance Transfers
		Earn 10,000 Starpoints with your first purchase
		Earn 15,000 bonus Starpoints when you spend $15,000 in 6 months
		Earn 2 Starpoints at participating Starwood properties and retail outlets
		Earn 1 Starpoint for every $1 of eligible spending
		Free Rewards Program

Credit card RATES

Purchases:

Introductory APR:	2.90%
Introductory Period:	6 months
Ongoing APR:	15.24%
Default APR:	18.24%
Minimum Grace Period:	20 days
Minimum Finance Charge:	$0.50

Balance Transfers:

Introductory APR:	2.90%
Introductory Period:	6 months
Ongoing APR:	15.24%
Default APR:	18.24%
Minimum Grace Period:	n/a
Minimum Finance Charge:	$0.50

Cash Advances:

Introductory APR:	n/a
Introductory Period:	n/a
Ongoing APR:	20.24%
Default APR:	18.24%
Minimum Grace Period:	n/a
Minimum Finance Charge:	$0.50

Credit card TRANSACTION FEES

Balance Transfer Fees:

Minimum:	$0¹⁷
Fee Rate:	n/a
Maximum:	n/a

Cash Advance Fees:

Minimum:	$5
Fee Rate:	3%
Maximum:	n/a

Foreign Exchange Fees:

Minimum:	n/a
Fee Rate:	n/a
Maximum:	n/a

Credit card OTHER FEES

Initial Fees:

Setup Fee:

Maintenance Fees:

Annual Fee:

$0⁷¹

Penalty Fees:

Late Payment Fee:

$19

¹⁷ There is no balance transfer transaction fee associated with this offer. However, future balance transfers may incur a fee as disclosed at the time of the applicable offer or transaction.
⁷¹ First year fee-free, then $45.