SPG Lux Card is live. Lower bonus than expected, but 3 day window open.

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As reported by Doctor of Credit, the SPG Luxury Card is now available for applications.  The good news is that the 3 day window of opportunity that I’ve mentioned previously is working.  The bad news is that Amex is offering only a 100K welcome bonus.  We were expecting 125K.

For full details about this card, including the signup bonus link, please visit our dedicated page:

Starwood Preferred Guest Luxury Card from American Express

About the 3 Day Window

The SPG Lux card application page shows the following restriction:

Effective 8/26, welcome offer not available to applicants who (i) have or have had The Ritz-Carlton Rewards® Credit Card from JP Morgan in the last 30 days, (ii) have acquired The Marriott Rewards® Premier Plus Credit Card from Chase, The Marriott Rewards® Premier Credit Card from Chase, or The Marriott Rewards® Premier Business Credit Card from Chase in the last 90 days, or (iii) received a welcome or upgrade offer for The Marriott Rewards® Premier Plus Credit Card from Chase, The Marriott Rewards® Premier Credit Card from Chase, or The Marriott Rewards® Premier Business Credit Card from Chase in the last 24 months.

In short, starting on 8/26, if you have received a welcome bonus or upgrade bonus on any Chase Marriott card in the past 24 months, or have acquired a Chase Marriott card in the past 90 days, you won’t be eligible for the SPG Lux welcome bonus.  Same if you currently have the Ritz credit card or have cancelled it less than 30 days ago.

The 3 day window of opportunity begins right now: It is not yet the 26th, so it is possible to sign up for the Luxury card now to qualify for the welcome bonus even if you won’t be able to as of the 26th.  Note that you do not have to be approved before the 26th, you just have to submit your application before then.  Be careful not to submit an application late on the 25th, though, as those applications are sometimes recorded as having come in the next day.

Recommendation: If you won’t be limited by the new rules anyway, then there’s no reason to rush to get this card.  Maybe we’ll see a better offer in November (this offer is good through the end of October).

Other Options

I’ll follow up this post shortly with more information, but it’s important to note that other SPG and Marriott cards will also fall under restrictions similar to the ones shown above as of 8/26.  And, for many of us, there are other SPG and Marriott cards that offer better first year value.  Most notable is the SPG Business Card with its 100K bonus and waived first year fee (click through to our dedicated SPG Business Card page for up to date welcome bonus details).

Please also see: Navigating Marriott’s Byzantine Credit Card Rules.

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