American Express, Marriott, Starwood

Last Call for SPG Amex Points! (At the Current Earn Rate)

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This is a PSA.

If you are like me, and you love earning points on your Starwood Preferred Guest American Express credit card (or the Business version), it’s the end of an era.

As of the end of the day July 31st, your card will earn exactly 2/3 the amount of points it does today on most purchases.

Despite the SPG/Marriott program combination date being moved to August 18th, this cutoff remains.

The math can be fuzzy, but it works like this:

Right now, you earn 1 Starpoint per dollar.

As of August 1st, you’ll earn 2 Marriott points per dollar.

But 1 Starpoint (now) converts to 3 Marriott points.

So, were the card to retain the same earning in the “new” program, it would have to earn 3 Marriott points per dollar. But it won’t. It will earn 2.

I’ll save for another post the topic of “What card should replace my SPG Amex for all non-bonus category spend?” assuming you aren’t just as happy to earn 2/3 the amount of points now for the same spend.

But the important thing to note is that the charges need to not just be made by July 31st, they have to post by July 31st. Given that charges sometimes stay pending for a few days, I’m calling tomorrow, Friday July 27th, as the last day to (almost) definitely still get the old, better earn rate.

Think of anything you can possibly charge that you would have in the next few months anyway, and get it in there now. I have just prepaid a few insurance bills and the like myself.

How are you handling this change? Let me know here, on Twitter, or in the private MilesTalk Facebook group.

New to all of this? My new “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available now.