Starwood Preferred Guest® Business Credit Card from American Express Starwood Preferred Guest<sup>®</sup> Business Credit Card from American Express
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Starwood Preferred Guest® Business Credit Card from American Express Review

Apply for a Starwood Preferred Guest® Business Credit Card from American Express
Rating:
Bottom Line:
25,000 point bonus opportunity. Good for frequent Starwood Hotel visitors who want to earn free stays and flights. Terms apply.

Full Review:
The Starwood Preferred Guest® Business Credit Card from American Express (a NextAdvisor advertiser) is a good choice for business travelers staying at Starwood hotels who would like to earn free nights and flights.

For a limited time users will earn 25,000 bonus Starpoints after spending $5,000 in the first 3 months. Card owners will also earn up to 5 Starpoints per $1 charged directly with hotels and resorts participating in the SPG program. This is calculated as 2 Starpoints per $1 spent on the card plus any Starpoints you earn as a Starwood Preferred Guest member. Typically members of program will earn an additional 2 points (bringing the total to 4 points), however if you have Starwood Preferred Guest Elite status you'll earn an additional 3 points, bringing the total to the aforementioned 5 points. You'll also earn 1 Starpoints per $1 spent on all other purchases. Our Travel Rewards Program Analysis indicated the rewards offer a very good point value, with that hotel value of these points at a generous $1.94 per $100 spent on the card and the flight value at a lesser $1.46 per $100 spent.

Starwood Preferred Guest® Business Credit Card from American Express has no foreign transaction fees, which is a money saver for international travelers as these fees can typically run 2-3% of each purchase made on the card. The card does have a $95 annual fee, but it's waived the first year.

Overall this card is best for business travelers who usually stay at SPG hotels and resorts and want to earn free SPG hotel stays and flights with SPG partners. However, if you want a business travel card with more flexibility in how you use your rewards consider Capital One Spark Miles Select for Business which earns 1.5 miles per $1 spent on all purchases and lets you redeem your miles however you'd like and with whatever hotel or airline you'd like.

Highlights From American Express
  • Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases at participating SPG® Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases.
  • Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights. Some hotels and resorts have mandatory service charges.
  • Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
  • Terms Apply

Rewards
  • No blackout dates.
  • Earn 25,000 bonus Starpoints after you use your new Card to make $5,000 in purchases within the first 3 months.
  • Earn up to 5 Starpoints for every dollar of eligible purchases charged directly with hotels and resorts participating in the SPG program - that's 2 Starpoints per dollar spent on the Card in addition to the Starpoints you get as a Starwood Preferred Guest member.
  • Earn 1 Starpoint for every eligible dollar spent everywhere else.

Redeem Rewards
  • Redeem Starpoints for free nights at over 1,300 hotels and resorts in over 100 countries and for free flights on over 150 airlines.

Fees and APR
  • Annual Fee: $0 introductory annual fee for the first year, then $95.
  • Purchase APR: 16.24% - 20.24% Variable, based on creditworthiness.
  • Foreign Transaction Fee: N/A
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 26.24% (Prime Rate+ 21.99%) 
  • Penalty APR: 29.99% (Prime Rate+ 25.99%) 
  • Returned Payment Fee: $38


Apply for a Starwood Preferred Guest® Business Credit Card from American Express

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Card Details

Features:2 Starpoints® for each dollar of eligible purchases charged directly with hotels & resorts participating in SPG® program, 1 Starpoint® per $1 spent of all other eligible purchases. Terms apply.
Purchase APR:16.24% - 20.24% Variable
Annual Fee:$0 introductory annual fee for the first year, then $95
Credit Needed:Excellent, Good

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