My own SPG Amex card
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It’s easy to forget that to most folks, it’s hard to discern points and point valuations.

That’s why I wrote the article: A point is not equal to a point… or a mile.

If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. Here are our favorite credit cards for Intro 0% APR offers and for balance transfer offers

So I’d like to quickly address a question I’ve seen come up over and over since the early August rollout of new SPG Personal and Business Amex card offers.

My own SPG Amex card

Currently, the bonus for the SPG Amex (personal) is 75,000 points when you spend $3,000 in 3 months and, for the Business flavor, 100,000 points when you spend $5,000 in 3 months. Both have their annual fee waived the first year.

(Apply for hotel cards here: Hotel-branded credit cards)

Now, where is the confusion? Many remember these same cards had bonuses ranging from 25,000 – 35,000 signup points up until early this year.

But those were Starpoints.

These new cards offers aren’t giving you Starpoints. They are giving you points in Marriott’s new combined (SPG + Marriott) rewards program – simply called Points. And all of your existing Starpoints are transferring over to Marriott points at the rate of 3 Marriott points per 1 Starpoint. (You can link your accounts online and transfer or wait until it’s done for you.)

Therefore, these new signup bonuses have to be divided by 3 to figure out how they compare to past offers. The Personal card, at 75,000 Marriott points, is equal to 25,000 “old” Starpoints – a standard offer. The 100,000 point business card equates to 33,333 “old” Starpoints. This is a bit better as the old card offer sometimes only got as high as 35,000 points with more minimum spend (for example, $7,000 instead of $5,000 in 3 months).

Another thing you need to know is that starting August 26, if you have a Chase Marriott card, you won’t be eligible for any SPG Amex bonuses unless you close the Marriott card and wait 30 days for the personal SPG Amex and a whopping 24 months for the SPG Business or about-to-launch Luxury cards.  But from now until Aug 26th, even Chase Marriott cardholders can apply for either of the SPG Amex signup offers.  Additionally, the new SPG Luxury Amex will be launching on August 23rd. It will have the same restrictions, but again, not until the 26th, offering Marriott cardholders an opportunity, for just 3 days, to get this card without waiting 2 years.

I know this is confusing, so please ask questions if it’s still not clear. The bonuses are worthwhile, if only because of how hard it will be to get any bonuses after August 25th. See my article RANT: It’s getting A LOT harder to earn Marriott points for more on that.

And if you do apply for any hotel credit cards and use these MilesTalk links, please know that I earn a commission which keeps this site going.

You can ask me questions here, on Twitter, via the MilesTalk LiveChat (bottom right of this page) 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.

I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. And I've stayed in some of the finest hotels - all for free! A few years ago I realized many of my friends actually thought I was paying for these!! So I started sharing my tips. It's long been a passion, but when I hosted a session on Miles and Points at this year's South by Southwest festival, my love of the game intensified and this blog was born.

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