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Guide to your Starwood Preferred Guest® Credit Card statement

Welcome inside your guide

We've put this guide together to help you find any information you need about your Starwood Preferred Guest Credit Card statement, at the click of a mouse.

  1. Your minimum repayment
  2. How to make your payments
  3. Set up a Direct Debit
  4. Mobile services
  5. How we calculate your Starpoints®
  6. Understanding your credit summary

Your minimum repayment

The minimum amount you need to pay each month

If you don’t want to pay your account balance in full, you can pay a bit of it, which must be no less than 10% of the balance. On your statement, this amount is shown as your ‘minimum repayment’.

Your statement clearly shows you the figure, and the date by which you need to pay it (usually about a month after the statement date).

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How to make your payments

Choose the best way to pay

There are a number of ways you can settle your Card balance each month. The easiest is by Direct Debit (set one up now).

If you prefer, you can log in to Online Services from your PC or mobile and pay online, as well as view your transactions, and manage your account whenever you like (if you haven’t already done so, register now).

Paying by bank giro is another option. Please write your account number on the front of your cheque and take it with your completed Payment Slip to your bank. Allow four working days for receipt of payment.

And if you would like to pay by cheque you can do so by writing your account number on the front of your cheque and making it payable to American Express Services Europe Limited. Please send your cheque to:

American Express Services Europe Ltd., Royal Avenue, Widnes, WA88 1AE

Please do not send any correspondence with your payments.

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Set up a Direct Debit

Pay the easy way

Want to set up a Direct Debit now? Simply log in to Online Services and download the Direct Debit form, then post it back to us at:

American Express Services Europe Ltd, FREEPOST, PO Box 79, Brighton, BN1 1YZ

Or, you can call us using the number on the back of your Card, and we'll set up your Direct Debit with you over the phone. Once it’s set up, you’ll see it clearly marked on your statement. Direct Debits can take a few weeks to activate, so please view your statement regularly. Until your Direct Debit is up and running, please continue paying by your usual method.

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Mobile services

View your transactions on your mobile

You can now view your transactions on your mobile. In addition, you can access the most important account information and management tools when you’re on the go – via a convenient website optimised for your mobile phone or as a downloadable App for iPhone and Android devices.

  • See your latest transactions
  • Pay your bill
  • Access and manage your accounts
  • View your Starpoints

Visit for more information on our mobile services.

You may also want to register for our Alerts programme and receive timely updates and reminders about your account – there's a range to choose from. You can also choose when you'd like to receive your Alerts and whether you prefer SMS or email.

Visit for details.

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How we calculate your Starpoints®

The best part of your statement

You can see exactly how we’ve worked out your Starpoints by looking at the three boxes on the top. You’ll also notice that the period your statement shows for the Starpoints you have earned, differs from the period of the statement itself, as it takes time for this to show on the paper or PDF version of your statement.

To see the Starpoints each of your recent transactions have earned you click here. You can also see your year-to-date total here.

Use your Starpoints for Free Night Awards with no blackout dates at any of Starwood’s nine distinct brands – St. Regis, The Luxury Collection, W Hotels, Le Méridien, Westin, Sheraton, Aloft, Element, and Four Points by Sheraton.

For a selection of other rewards and treats, turn to the exclusive Cardmember offers at the end of your statement each month.

For tips on how to maximise your Starpoints visit the Welcome Centre.

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Understanding your credit summary

Please note the six-month rule

After you've been a Cardmember for six months, you can:

  • Ask us to review your credit limit. If you want to increase it, please log in to Online Services and click on 'Change your credit limit', on the left of your 'Account summary' page.
  • Request access to cash through American Express. To do this, please call the number on the back of your Card.

If you're ever wondering what your credit and cash limits are, just take a look at your statement.

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Need more help?

If you have any questions, or would like to change the date you receive your statement, please log in to Online Services to email us, or call the number on the back of your Card to speak to Customer Services.

Ready to go paperless?

To let us know, log in to Online Services, where you can change your preferences to paperless statements.
We'll send you a reminder just before your statement arrives with you, and keep your last 6 months' statements ready for you to view, or download, whenever you need to. All you need to do to view your statement is log in to Online Services when you get your reminder. Click here to register for Online Services if you haven't already.

American Express Services Europe Limited. Registered Office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. Registered in England and Wales with Number 1833139. American Express Services Europe Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (reference number 415532) for the provision of payment services.