Signing-up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.
Update: This offer is no longer available. Check our Hot Deals for the latest offers.
Link: American Express Starwood Refer a Friend 5,000 Point Business & Personal Referral
Link: American Express Starwood 30,000 Point Personal Credit Card
Link: American Express Starwood 30,000 Point Business Credit Card
You usually only have to apply for limited-time offers (such as the American Express Starwood 30,000 point offer) before the last date of the offer.
It is only fair to me, that if you apply before the offer end date, you should get the sign-up bonus you applied for!
That’s because it could take a while for the bank to process the application. And consumers shouldn’t be denied the full sign-up bonus just because the bank took longer than usual to approve their application.
However, footnote 3 of the American Express Starwood *personal* credit card offer reads (bolding mine):
If your application is approved after 9/4/2012, you will not be eligible for the Starpoints offer.
The terms appear to suggest that you will not get the full 30,000 point sign-up bonus if your application is not approved before September 4, 2012 which is only 8 days away.
I applied for both the business and personal Starwood card on August 8 ,2012 and it took 7 phone calls and 15 days to be approved for both of them. I would be very upset if I didn’t get the full sign-up bonus if I was approved after September 4, 2012!
But the terms on the Starwood *business* credit card with the same 30,000 point sign-up bonus say:
“To be eligible for this Limited Time Offer, you must apply by September 4, 2012.”
It appears that you only have to apply for the Starwood business card by September 4, 2012 to get the full sign-up bonus.
I was curious about the contradictory terms in the personal and business card application, since the terms of the personal card require you to be approved for the card before September 4, 2012, but the business card only requires you to apply for the card by September 4, 2012.
So I reached out to my affiliate marketing company who reached out to American Express. The team knows that the terms are contradictory, but suggest folks who apply before September 4, 2012 will get the 30,000 point sign-up bonus.
But the language in the terms and conditions is *still* contradictory on the Starwood personal and business card applications on the American Express website a few days after pointing out the differences to American Express. Make what you will out of that.
Bottom Line: As I wrote earlier, I don’t think the American Express Starwood card is worth keeping and paying the $65 annual fee for, unless you’re a Big Spender or value the nights and stays towards elite status.
But I did get the personal and business credit card for the 30,000 point sign-up bonus. If you do decide to apply for the American Express Starwood card, don’t forget to see if you can refer someone or get referred for an extra 5,000 Starwood points! If you have a personal Starwood card, you can only refer for a personal Starwood card and if you have a business Starwood card, you can only refer for the business card.
I’ll be traveling today, so I won’t be able to get to the comments quickly.