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Why 5,000 Extra Starwood Points Is a Big Deal (The Magic of Cash & Points!)

Why 5,000 Extra Starwood Points Is a Big Deal (The Magic of Cash & Points!)

Million Mile SecretsWhy 5,000 Extra Starwood Points Is a Big Deal (The Magic of Cash & Points!)Million Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

UPDATE: The Starwood American Express credit card offers in this post are no longer available, but check Hot Deals for the latest offers!

I’ve posted a lot about this 30,000 point Starwood offer!  The bonus is usually 25,000 points. So what’s the big deal about 5,000 extra Starwood points anyway?

One easy reason 5,000 additional points is important is because it increases the sign-up bonus by ~$200 worth of hotels!  I’ll show you how to get a night at a great Starwood Category 4 hotel using the extra 5,000 points using the fantastic Cash & Points program.

Why 5,000 Extra Starwood Points Is A Big Deal The Magic Of Cash Points
There Are Exciting Starwood Category 4 Hotels All Over the World You Can Access With the Extra 5,000 Starwood Points, Including This 1 in Mauritius!

I’ll show you highly-rated Starwood hotels where you can stay with the extra 5,000 Starwood points you’ll earn!

About the AMEX Starwood Card

Link:   Starwood Preferred Guest® Credit Card from American Express

Link:   Starwood Preferred Guest® Business Credit Card from American Express

Link:   My Review of the Starwood Preferred Guest® Credit Card from American Express

Starwood hotels include AloftElementFour PointsLe MeridienSheratonSt RegisThe Luxury CollectionWestin and W brand hotels.

The sign-up bonus on the AMEX Starwood card (personal and small business) is usually 25,000 Starwood points.  But through September 14, 2015, you’ll earn 30,000 Starwood points after meeting minimum spending requirements.

I’ve been posting a lot about this offer because it has only come around ONCE per year for the last 4 years and has never been higher.  So if you like Starwood hotels or want to use these valuable points to fly on partners like American Airlines and Delta, this is the best time to apply.

Be sure to read about how to redeem Starwood points for award stays.

Top 5 Starwood Hotels Series Index

The Magic of Cash & Points

Link:   Starwood Cash & Points

When you book an award stay with Cash & Points, you’ll pay half the points of a regular award stay, plus a cash co-pay.

Why 5,000 Extra Starwood Points Is A Big Deal The Magic Of Cash Points
With Starwood Cash & Points, You’ll Pay Half the Points of a Regular Award Night, and the Rest in Cash. This Can Save You a Lot of Money, Like at The Westin Bayshore Hotel in Vancouver!

Cash & Points can save you a lot of money on the regular room rate.  For example, instead of paying for a Starwood Category 4 hotel that costs $300 per night, you can pay 5,000 Starwood points + $75.

Why 5,000 Extra Starwood Points Is A Big Deal The Magic Of Cash Points
Starwood Category 4 Hotels Cost 5,000 Starwood Points + $75. You Can Get a Great Deal at a Beautiful Hotel!

This means your 5,000 Starwood points will cover the balance of $225 ($300 room rate – $75 cash co-pay).  In this case, each Starwood point is worth 4.5 cents.  That’s an incredible way to redeem your Starwood points!

It also means the extra 5,000 Starwood points you’ll earn on the AMEX Starwood (personal and small business) cards are worth that much more.  In fact, you can redeem for 6 nights at Starwood Category 4 hotels with 30,000 Starwood points with Cash & Points (plus a $450 cash co-pay).

The Best Starwood Category 4 Hotels for Cash & Points

Link:   Starwood Category 4 Hotels

Note:   Examples are based on travel in November 2015 except where noted.  And depending on the season, you can save even more money on your stays!

1.   The Westin Fort Lauderdale Beach Resort

I found available Cash & Points nights at The Westin Fort Lauderdale Beach Resort, which is a perfect hotel for sand & sun!

Why 5,000 Extra Starwood Points Is A Big Deal The Magic Of Cash Points
$271 or 5,000 Starwood Points and $75…Save More With Cash & Points!

The nightly room rate is $271.  In this case, your 5,000 Starwood points are worth $196 ($271 room rate – $75 cash co-pay), or nearly 4 points each!  That’s a terrific deal!

Why 5,000 Extra Starwood Points Is A Big Deal The Magic Of Cash Points
Stay at The Westin Fort Lauderdale Beach Resort and Walk to the Atlantic Ocean

2.   The Westin Walt Disney World Swan

Bring the family to The Westin Walt Disney World Swan for your Florida vacation, and choose between the beach or the pool, many golf courses, and Epcot Theme Park or Disney Hollywood Studios.  Or pick them all!

And don’t forget Magic Kingdom and Animal Kingdom!  🙂

Why 5,000 Extra Starwood Points Is A Big Deal The Magic Of Cash Points
Rooms Here Are $245, So Cash & Points Is A Smart Choice!

This hotel is $245 a night, so 5,000 Starwood points are worth over 3 cents each ($245 room rate – $75 cash co-pay).

Why 5,000 Extra Starwood Points Is A Big Deal The Magic Of Cash Points
The Grotto Pool at The Westin Walt Disney World Swan Has a Waterfall and a Water Slide, Which Is Fun for Both Kids AND Adults!

Be sure to read my tips about how to get to Orlando with Small Money!

3.   Le Meridien Vienna

Le Meridien Vienna is located in the historic city center, easy walking distance to St. Stephen’s Cathedral, and a short train ride to the art museums, culture, and nightlife Vienna is known for.

Why 5,000 Extra Starwood Points Is A Big Deal The Magic Of Cash Points
Stay in Historic Vienna With Cash & Points for Big Travel With Small Money!

Regular rates are ~$229 per night.  Here, your Starwood points are worth over 3 cents apiece (~$229 room rate – $75).

Why 5,000 Extra Starwood Points Is A Big Deal The Magic Of Cash Points
Vienna Is a Wonderful City to Explore Architecture, Opera, Theatre, Art, and More!

Folks on TripAdvisor have wonderful things to say about this hotel.  And it’s a great deal with Cash & Points!

4.   The Westin Turtle Bay Resort & Spa, Mauritius

The Westin Turtle Bay Resort & Spa in Mauritius fills up fast.  But wow!  You can really get a deal here if you’re patient!

Why 5,000 Extra Starwood Points Is A Big Deal The Magic Of Cash Points
Get a Spectacular Value With Cash & Points. The Regular Room Rate Is ~$767!

I found dates in April 2016 you can book with Cash & Points.  The regular room rate is ~$767.  That means each Starwood point is worth ~14 cents!

Why 5,000 Extra Starwood Points Is A Big Deal The Magic Of Cash Points
The Westin Turtle Bay Resort & Spa in Mauritius Is Spread Over ~25 Acres and Features a Long Strip of Beautiful Natural Coastline

If you’re looking for adventure, the island is located off the eastern coast of Africa in the Indian Ocean.  It would make an unforgettable getaway with memories to last a lifetime!

5.   Le Meridien New Orleans

Le Meridien New Orleans is located within walking distance to the world-famous French Quarter.

New Orleans is a fun town filled with culture, art museums, and delicious Cajun food.

Why 5,000 Extra Starwood Points Is A Big Deal The Magic Of Cash Points
Instead of Paying $289 a Night, Use Cash & Points to Stretch Your Money (and Points) Further!

This hotel is $289 a night in November.  When you book with Cash & Points, each Starwood point is worth over 4 cents ($289 room rate – $75 cash co-pay).

Why 5,000 Extra Starwood Points Is A Big Deal The Magic Of Cash Points
Relax (or Recover!) by the Pool in New Orleans

There’s always something fun to do in New Orleans.  If you like music, be sure to head over to Frenchmen Street to hear live performances every night!

How to Find a Room With Cash & Points

Sometimes the Cash & Points option doesn’t show up after you enter your dates.

Why 5,000 Extra Starwood Points Is A Big Deal The Magic Of Cash Points
Make Sure to Select “SPG Cash & Points” Under “Rate Preferences”

On the right side of the page under “Rate Preferences,” select “SPG Cash & Points.”

Why 5,000 Extra Starwood Points Is A Big Deal The Magic Of Cash Points
Then Click the “Flexible Dates” Tab, and “SPG Cash & Points” Again. That’s It! If Dates Are Available, They’ll Show Up Here

If your dates are available to book with Cash & Points, they’ll show up.  But if they don’t, you can find out which days are available.

Click “Flexible Dates” in the row of tabs above the room types.  Then click “SPG Cash & Points” again.  On the calendar, you’ll see which days you can book.

Keep in mind some Starwood hotels do NOT participate in Cash & Points.  And certain hotels have blackout dates.  But if you find dates that work for you, this can be a terrific deal!

Also remember that you are still responsible for any taxes and fees when you book with Cash & Points.

Earn Starwood Points on Regular Purchases!

Beyond the increased sign-up bonus, the AMEX Starwood cards are great for everyday spending on items that normally don’t have a category bonus.

Folks love earning 1 Starwood point per $1 spent because they can get terrific value from them!  For instance, if you spend $500 and earn 500 Starwood points it’s easy to get 4 cents of value from each point, worth $20.

Compare that to other cards that earn 1 point per $1 spent in categories that typically don’t qualify for 2X, 3X, or 5X bonuses such as car and home repairs, hair cuts, liquor store purchases, manicures, etc.

If you made those particular purchases with the Chase Sapphire Preferred (my favorite card for beginners because of the great travel partners), you’d earn 500 Chase Ultimate Rewards points.  That’s worth $5 in cash back, ~$6 through the Chase Travel Portal, or ~$10 toward an award flight or hotel stay with 1 of their travel transfer partners (or more, depending on how you redeem).

When you aren’t working on minimum spending requirements to earn the sign-up bonus on another card, you might decide to earn more Starwood points for Big Travel at Starwood hotels.

Why 5,000 Extra Starwood Points Is A Big Deal The Magic Of Cash Points
Did Something Break? AMEX Cards Come With Terrific Extended Warranties and Return Protection!

AMEX also has a highly-regarded return protection and extended warranty program, with a relatively quick and easy claim process.  So you may decide to use the AMEX Starwood card for a big purchase to take advantage of a longer warranty period, or protection in case something happens to it.

Why 5,000 Extra Starwood Points Is A Big Deal The Magic Of Cash Points
Earn Extra Starwood Points On Uber Rides During Your Stay at Starwood Hotels

Also remember when you’re staying at Starwood hotels, you’ll earn extra bonus points when you ride with Uber!  So you can explore a new city and earn more Starwood points for the next award stay!

Bottom Line

With the current sign-up bonus of 30,000 Starwood points on the Starwood Preferred Guest Credit Card from American Express (personal and small business), you can get up to 6 award nights at Starwood Category 4 hotels with Cash & Points.

The money you’ll save, even after the $75 cash co-pay, can add up to thousands of dollars!  Before you book, always make sure your cash co-pay is much less than the portion covered by your Starwood points.

You can stay at beautiful hotels like Le Meridien ViennaThe Westin Turtle Bay Resort & Spa in Mauritius, or The Westin Walt Disney World Swan.

What are your favorite Starwood hotels with Cash & Points?

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • 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®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 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 travel 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

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Can you get the 5th consecutive night free when you book with SPG cash and points in categories 3 thru 7?

Best way to apply for both cards (personal and business) is at same time on same day, or keep a gap between the 2?

Your expert opinion will be appreciated.

@Dale Reardon – Starwood has 36 hotels in New York:

https://www.starwoodhotels.com/corporate/search/results/detail.html?complexSearchField=New+York%2C+New+York%2C+United+States&searchType=location&propertyIds=&arrivalDate=&departureDate=

Pick the location that works best for you, and check out my post about Cash & Points to help you decide:

https://millionmilesecrets.com/2015/08/26/how-starwoods-cash-points-program-gets-you-big-hotel-savings/

Enjoy your trip to New York!

@Ram – It’s because the current sign-up bonus is 5,000 more Starwood points than usual. And Category 4 hotels require 5,000 Starwood points + a $75 cash co-pay.

There are sweet spots at every category level, though!

@PJ – Remember you can only get the bonus again on the business version of the card. AMEX limits the sign-up bonuses on personal cards to once per lifetime. Good luck!

Again, did anybody apply as a NON 1st time applicant and get approved?

Hi Daraius, Just curious, any particular reason you only considered Category 4 for this example? Is that the sweet-spot for SPG Cash&Points?

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