SPG Credit Card
From American Express
Summary
SPG Credit Card is provided by American Express.
The representative APR is 32%APR variable.
The representative APR is 32%APR variable.
How long will it take to repay with the SPG Credit Card
Fixed payment
By switching to the SPG Credit Card, you could pay off £1000 in by budgeting £50 each month. This would effectively cost you £50.
Minimum payment
By comparison, if you only make the minimum payment each month, it would take to repay, costing you a total of £0 on top of the original balance!
If this seems high, that's because your minimum payment is calculated as a percentage of your balance. This means each payment will be slightly lower than the month before which will have less effect on clearing your balance. So be smart and pay as much as you can afford!
Customer reviews (1)
"Guest review for SPG Credit Card"
Not quite as generous as the US card, and I'm surprised that there's no higher earning rate at Starwood properties as is the case with the US card. Nonetheless, the welcome bonus is worth the £75 alone, especially if you wait until you have 20K points and then transfer to an airline with the extra bonus.
Rates & Charges
Introductory rates
Balance transfers
Not available
Balance transfer fee
Not available
Purchases
Not available
Ongoing rates
Typical APR
Balance transfer rate
Not allowed
Balance transfer fee
Not available
Balance transfer limit
Unknown
Cash advance rate
28%
Fees and Charges
Annual fee
£75
Cash advances
3% or £3 minimum 101 cards better than this
Foreign currency transactions
Late payment fee
£12
Over limit fee
£12
Returned payment fee
£12
Insurance and Protection
Payment protection
Payment protection
Free payment protection
Free warranty cover
Free price protection insurance
Online fraud protection
Online fraud protection
Travel insurance
Lost luggage cover
Travel delay insurance
Travel insurance upgrade
Requirements to qualify
Minimum credit history
Good
Minimum age
18
Minimum income
£30,000.00
Must be employed
Yes
Repayment
Interest charged from
Debit
Interest-free period
56 days
Interest-free period on cash advances
None
Time to make payment after statement date
25 days
Minimum payment
10% of balance or £50
Payment by direct debit
Available
Rewards
Rewards Point Descriptions
Earn 10,000 bonus Starpoints if you spend £1,000 in the first 3 months of Cardmembership. Earn 1 Starpoint for every full £1 spent, per transaction on your Card. Free stays without availability restrictions. Redeem Starpoints for complimentary nights without blackout dates at over 940 Starwood hotels & resorts in 93 countries. Enjoy added flexibility by using a combination of Cash & Points for an award stay. Use Starpoints to travel to your next destination. Redeem Starpoints for tickets on over 350 airlines.
Better deals on balance transfers
Better deals on purchases
