10 Benefits of Having a Starwood Credit Card

Credit cards are a convenient means of payment when someone is traveling from place to place. As a result, it makes sense for frequent travelers to look into the credit cards offered by hotel chains such as Starwood, which tend to offer benefits and features that are suitable for their particular needs and circumstances. If they are lucky, they could end up getting a great deal on their credit card, thus helping them ensure maximum benefit for minimum cost. Here are 10 benefits that can be had through the Starwood credit card:

1. Convenience

As stated, a credit card is an excellent method for making payments when someone is out traveling. After all, the costs of travel can hit the hundreds with incredible ease, meaning that carrying a credit card is much easier than carrying so much cash. Something that is particularly true in foreign countries when finding the right ATM with a reasonable ATM fee can be a serious concern.

2. Security

Speaking of which, carrying too much cash isn’t a safe option for travelers, particularly since they tend to be targeted by criminals because they stand out. As a result, a credit card can be useful because it is much easier to secure a single card than a wallet that has been stuffed full of cash.

3. Availability of Funds

On top of that, a credit card user can spend up to their credit limit at a time of their choosing with no hassle and no fuss whatsoever. Due to this, a credit card can come in use for someone who runs into unexpected costs while they are far from home.

4. Credit Building

Of course, making reasonable use of a credit card can help interested individuals build up their credit score by targeting a number of important criteria such as payment history and length of payment history. In turn, the credit score is important because it provides consumers with better access to financial products in the future.

5. Welcome Bonus

Naturally, the Starwood credit card has a welcome bonus to encourage interested individuals to sign up. For those who are curious, it offers up to $250 in a credit on the statement. The first part is $100 for spending $1,500 on the credit card in the first three months, while the second part is $150 for spending $200 on the credit card at either Marriott or SPG hotels in the first six months.

6. Starpoints

Generally speaking, the Starwood credit card offers 1 Starpoint per dollar of spending. However, there are times when it will have special offers, which interested individuals will want to pay attention to if they want to maximize their collection of Starpoints for their spending.

7. Starpoint Transferrals

It is interesting to note that people can exchange their Starpoints for frequent flyer miles at a number of airlines. Generally speaking, this can be done on a 1 for 1 basis, but it is important to note that different cases will have different conditions.

8. Membership Upgrade

People with the Starwood credit card can get an automatic upgrade to Starwood’s Gold Preferred Guest membership so long as they spend $30,000 or more using the credit card on an annual basis.

9. Free Weekend Night

On a related note, someone who spends $40,000 or more on their Starwood credit card can expect a Free Weekend Night award. This reward isn’t worth someone going out of their way to spend $40,000 or more on the Starwood credit card. However, if the credit card user is already moving towards that objective on their own initiative, said aware can make for a rather pleasant surprise. Due to this, interested individuals will want to take this bonus into consideration, though they should be careful about assigning it too much weight in their internal calculations.

10. No Blackout Dates

One of the more irritating possibilities of rewards programs is the concept of blackout dates, which essentially means dates on which rewards as well as other special promotions are unavailable. After all, keeping track of blackout dates can be a huge hassle, meaning that it is not uncommon for people to run into problems by forgetting about the relevant blackout dates. Regardless, having the Starwood credit card means that interested individuals can exchange their Starpoints at hotels and restaurants without running into the risk of blackout dates.


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