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Update: Some offers mentioned below are no longer available. View the current offers here – Starwood Preferred Guest Credit Card from American ExpressStarwood Preferred Guest Business Credit Card from American Express

Most airline and hotel programs charge steep fees for transferring points and miles to other people, while some have unique family account features. Starwood is one of the most flexible, because it allows members to transfer points to other SPG members who have the same address in their profile for free and there is no limit to the number of points you can transfer. Transfers are usually instant, but can take up to 5 business days to process and they can be initiated online at spg.com -> Quick Links -> My Account -> Redeem/Transfer Points -> Transfer to another member.

Starwood requires that both accounts must have been active and listed at the same address on each for at least 30 days. No verification is asked for on the transfer form, though Starwood does reserve the right to request proof of residence. Note: if SPG smells a fraud, they might take away your points and bar you from the program so I do not recommend abusing this feature.

Starwood Vacation Owners can transfer points among each other even if they are not at the same address, so if you’re a timeshare owner with Starwood, that adds another level of flexibility to the program for transfers and redemptions.

The great thing is, if you do want to take advantage of these transfers, they’re free, and there is no limit to the number of points you can transfer, so if you’re looking to combine your redemption power among a couple accounts within a household, this could be a great way to pool the points necessary for awards you want.

Let’s say a couple living at the same address each got the SPG personal and business American Express cards at the current 30,000-point bonus on each. Each person would have 60,000 Starpoints once they met the minimum spending requirements. That’s enough for 7 nights at a Category 4 property, 6 nights at a Category 5 property, 3 nights at a Category 6 property, or 2 nights at a Category 7 property.

But together, if the couple combined all their points into a single SPG account, they’d have 120,000 points total (Note: you cannot combine the elite qualifying nights/stays that come with the card, so each person would have 4 stays/10 nights towards elite status). That would mean 5 nights at a Category 7 property like the St. Regis Florence where rooms start at around 400 euros ($500) a night. Not bad – that’s half a honeymoon paid for right there!

Chase Sapphire Preferred® Card

With great transfer partners like United and Hyatt, 2x points on travel & dining and a 50,000 point sign up bonus, the Chase Sapphire Preferred is a great card for those looking to get into the points and miles game.

Apply Now
More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
N/A
Regular APR
16.49% - 23.49% Variable
Annual Fee
Introductory Annual Fee of $0 the first year, then $95
Balance Transfer Fee
5.00%
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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