Jun 12, 2014, 11:11 am
Last edit by: CodeAdam10
For discussion of the now expired offer for a 35K signup bonus, see Amex SPG 35,000 business and personal cards-2016 [No referral offers in this thread.]
USA-issued card benefits changed on August 11, 2015. (Announcement & extended discussion at American Express and Starwood enhance cobrand credit card benefits.) The benefits are slightly different for personal and business cards:
Public Links:
- The Annual Fee is $450.
- Earn 6x at Marriott properties; 3x on restaurants and airfare; 2x on all other purchases.
- Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels
- FREE NIGHT AWARD: Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy points) at a participating hotel.
- COMPLIMENTARY GOLD ELITE STATUS: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card. Earn Marriott Bonvoy Platinum Elite status after making $75,000 in eligible purchases on your Card in a calendar year.
- Other Highlighted Benefits: Priority Pass Select Membership, Global Entry credit, No Foreign Transaction fees.
- $125 Annual Fee (If application received before 03/28/19, $0 intro annual fee for the first year, then $95)
- Earn 6x at Marriott properties; 4x at U.S. restaurants, at U.S. gas stations, on wireless telephone services & on U.S. purchases for shipping; 2x on all other purchases.
- Free Night Award: Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel.
- Complimentary Silver Elite Status
- No Foreign Transaction Fees
Other related discussion:
USA-issued card benefits changed on August 11, 2015. (Announcement & extended discussion at American Express and Starwood enhance cobrand credit card benefits.) The benefits are slightly different for personal and business cards:
Public Links:
- Personal [Marriott Bonvoy Brilliant American Express Card]: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant
- The Annual Fee is $450.
- Earn 6x at Marriott properties; 3x on restaurants and airfare; 2x on all other purchases.
- Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels
- FREE NIGHT AWARD: Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy points) at a participating hotel.
- COMPLIMENTARY GOLD ELITE STATUS: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card. Earn Marriott Bonvoy Platinum Elite status after making $75,000 in eligible purchases on your Card in a calendar year.
- Other Highlighted Benefits: Priority Pass Select Membership, Global Entry credit, No Foreign Transaction fees.
- Business [Marriott Bonvoy Business Card]: https://www.americanexpress.com/us/c...s-credit-card/
- $125 Annual Fee (If application received before 03/28/19, $0 intro annual fee for the first year, then $95)
- Earn 6x at Marriott properties; 4x at U.S. restaurants, at U.S. gas stations, on wireless telephone services & on U.S. purchases for shipping; 2x on all other purchases.
- Free Night Award: Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel.
- Complimentary Silver Elite Status
- No Foreign Transaction Fees
- Discussion of Amex "one bonus per lifetime" policy (personal & business cards)
- Annual fee retention bonus for Starwood Amex Card
- American Express and Starwood enhance cobrand credit card benefits
- How to keep SPG points from expiring after 12 months of account inactivity
- New Card Art for the US Starwood Preferred Guest Credit Card from American Express
SPG American Express [Master Thread]
Mar 20, 2016, 3:28 am
#2881
Join Date: Oct 2011
Programs: TK E+
Posts: 398
Hi all,
Just applied for AMEX SPG PERSONAL and got approved... BUT $1000 credit limit...... ... limit. Never got this low expect the chase freedom I applied in college.
I have about $3000 worth of airplane spending i need to do.. would it be okay if I spend $1000, pay it off, do it again for the remaining $2000 even if the statement does not close in the first month? I really want to get this spending requirement done and also book my flights. The reason for asking this is because I saw some threads where if I do that, AMEX gonna blacklist you or something.. which I don't understand why.. I am spending the money and I am paying them off.. not sure what the big deals are here
Just applied for AMEX SPG PERSONAL and got approved... BUT $1000 credit limit...... ... limit. Never got this low expect the chase freedom I applied in college.
I have about $3000 worth of airplane spending i need to do.. would it be okay if I spend $1000, pay it off, do it again for the remaining $2000 even if the statement does not close in the first month? I really want to get this spending requirement done and also book my flights. The reason for asking this is because I saw some threads where if I do that, AMEX gonna blacklist you or something.. which I don't understand why.. I am spending the money and I am paying them off.. not sure what the big deals are here
In short, it seems that the amex limit is a very soft limit.
Mar 20, 2016, 10:56 am
#2882
Join Date: Oct 2007
Posts: 2
Have the personal card for many years, I am thinking applying the business card. I would still get the bonus for business if I apply, right?
Thanks
Thanks
Mar 20, 2016, 11:39 am
#2883
A FlyerTalk Posting Legend
Join Date: Apr 2004
Location: GVA (Greater Vancouver Area)
Programs: DREAD Gold; UA 1.035MM; Bonvoy Au-197; PCC Elite+; CCC Elite+; MSC C-12; CWC Au-197; WoH Dis
Posts: 52,140
Mar 21, 2016, 8:22 am
#2885
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Mar 21, 2016, 8:38 am
#2886
Join Date: Aug 2011
Programs: Marriott Gold, Hilton Diamond, Radisson Rewards Gold, Best Western Diamond Select
Posts: 1,856
I have direct deposit set up for SPG to go to United. If I got the AMEX would the 35,000 point go direct to United, or is that only possible for points earned from actual stays?
Mar 21, 2016, 9:35 am
#2887
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,948
I can't answer this particular question, but I would not have any points going directly to anywhere. If you transfer 20k points in a bundle to an airline, you get 5k bonus points in the transfer. So you want to save up to 20k before transferring.
Mar 21, 2016, 9:48 am
#2888
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
United Airlines is an exception. If you use the Direct Deposit feature Starpoints transfer 1:1 to UA. If you accumulate Starpoints and manually transfer to UA the ratio is 2:1. (20,000 = 12,500)
To my knowledge Direct Deposit applies only to points earn at a hotel. Credit cards and other bonuses post to the SPG account, and are not automatically transferred.
To my knowledge Direct Deposit applies only to points earn at a hotel. Credit cards and other bonuses post to the SPG account, and are not automatically transferred.
Mar 21, 2016, 9:55 am
#2889
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,948
Mar 21, 2016, 9:59 am
#2890
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Mar 23, 2016, 6:17 pm
#2892
Join Date: Sep 2015
Posts: 206
When I initially got my SPG card it had a fairly low limit but I just went ahead and used it until getting declined; I was able to charge up to 2.5x or so of the credit limit before transactions got declined (which only then got accompanied by an email informing me that I'm hitting the limit). Then I'd pay it partially off and continue charging. It was the business version, but I don't see a reason why it would be different for the personal card.
In short, it seems that the amex limit is a very soft limit.
In short, it seems that the amex limit is a very soft limit.
Mar 23, 2016, 6:21 pm
#2893
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Penalty Fees
Late Payment: Up to $37
Returned Payment: Up to $37
Overlimit: None
Late Payment: Up to $37
Returned Payment: Up to $37
Overlimit: None
Mar 23, 2016, 6:50 pm
#2894
Join Date: Sep 2011
Location: SNA
Programs: AA EXP, Hilton Diamond, Hyatt Globalist, IHG Plat, Marriott Gold, National EE
Posts: 1,204
I have both cards and wish they looked a bit more different--a bit worried about accidentally charging business to personal or vice versa.
Are there any alternative colors/designs for the personal or biz?
Are there any alternative colors/designs for the personal or biz?
Mar 24, 2016, 9:22 am
#2895
Join Date: Oct 2013
Posts: 122
If the SPG card is cancelled, besides staying at their hotels, what other easy/cheap ways to prevent SPG points expiring?
Thanks.
Thanks.