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TPG reader Kavin emailed me to ask about strategizing for the Marriott-Starwood merger:

“Should I sign up for both the Marriott Rewards Premier Card and the Starwood Preferred Guest Amex before the two programs merge?”

There’s been both a lot of excitement and anxiety over the future of SPG since Marriott announced plans to acquire Starwood back in November. Marriott CEO Arne Sorenson reassured members that the plan moving forward will be to preserve and strengthen both loyalty programs and to avoid devaluing rewards and benefits. Until we hear specific details, it’s too early to say how a merger will impact award travelers. However, I think now is a good time to focus on earning Starpoints before any major changes go into effect, especially with respect to existing sign-up bonuses.

The Starwood Preferred Guest Card from American Express currently offers a bonus of 25,000 points after you spend $3,000 in the first three months. Meanwhile, the Starwood Preferred Guest Business Card from American Express offers 25,000 points after you spend $5,000 in the first three months. Those bonuses typically increase to 30,000 points at some point each summer, but even the current offers are worth $625 based on my most recent monthly valuations.

Again, we don’t know how the merger will shake out, but I think the writing may be on the wall for both of these cards. Last year we witnessed the demise of the US Airways Premier MasterCard during the merger with American Airlines. Rather than disappearing entirely, those accounts were changed over to one of the varieties of AAdvantage Aviator cards. However, applications were no longer accepted for new cardholders, and I wouldn’t be surprised to see the SPG Amex cards eventually meet a similar fate.

Amex is fairly restrictive when it comes to sign-up bonuses: You can only earn a single bonus for the personal card, even if you haven’t had it for years. The rules are less stringent for the business card, which allows you to earn a bonus provided you haven’t had the same product in the past 12 months. If you’re eligible for those bonuses, I would think about applying in the near future. Starpoints are just too valuable to leave on the table, and you don’t want to end up wishing you got on that gravy train after it leaves the station. You could consider holding out for the increased bonuses, but pay close attention as the merger progresses for any hint of those cards going away.

Starwood Naka Island Phuket pool banner
Starwood Preferred Guest is among my favorite loyalty programs, and I plan to keep earning as many points as I can.

I think there’s less urgency to get the Marriott Rewards Premier Card, partly because Marriott points are less valuable than Starpoints, but also because I suspect the card is unlikely to disappear soon. That’s not to say there’s anything wrong with it — Chase commonly offers an increased sign-up bonus, and the card comes with benefits like Silver Elite status and a free night at a Category 1-5 property each year following your cardmember anniversary. However, I don’t think you need to go out of your way to apply before the merger.

Check out these posts for more on Marriott Rewards, Starwood Preferred Guest, and their respective co-branded credit cards:

If you have any other questions, please tweet me @thepointsguy, message me on Facebook or send me an email at

Starwood Preferred Guest® Credit Card from American Express

There’s no telling how much longer these cards will be around and available for new applications because of the Marriott takeover, so now might just be the perfect time to apply. Apart from hotel redemptions, you can transfer Starpoints to over 30 airline partners, and now also transfer points from Starwood to Marriott Rewards at a 1:3 ratio, opening up even more redemption options.

Apply Now
More Things to Know
  • Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent on the Card at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Receive free in-room, premium internet access. Booking requirements apply.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and Conditions apply.
  • See Rates & Fees
Intro APR on Purchases
Regular APR
15.74%-19.74% Variable
Annual Fee
$0 introductory annual fee for the first year, then $95.
Balance Transfer Fee
Recommended Credit
Excellent Credit
Terms and restrictions apply. See rates & fees.

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.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.