The Starwood Preferred Guest® Business Credit Card from American Express is one of two SPG® co-branded hotel cards participating in SPG® loyalty program. In our opinion, this is one of the best hotel credit cards when it comes to the profitability of points redemption for hotel stays. American Express Starwood Preferred Guest® Business credit card will be especially useful for business travelers.
- 25,000 Starpoints® sign-up bonus;
- No foreign transaction fee;
- One of the best offer for points redemption for hotel stays on the market;
- Quite low 16.24%, 18.24% or 20.24% APR;
- Opportunity to open authorized employee credit cards.
- $95 annual fee waived for the first year.
How to use this card
In general, the Starwood Preferred Guest® Business Credit Card from American Express is very similar to The Starwood Preferred Guest® from American Express. Some features are different, but the most important distinction is that the Starwood Preferred Guest® Business Credit Card from American Express is designed especially for business needs.
You earn 25,000 Starpoints® sign-up bonus after you spend $5,000 on this card in the first 3 months. For each $1 spent for eligible purchases within SPG® properties you earn up to 5 Starpoints®. 2 Starpoints® will be granted for each $1 spent within Marriott properties. All other purchases will grant you 1 Starpoint® per $1.
You can redeem your Starpoints® on wide range of purchases, such as gift cards, airfare (over 150 airlines with no blackout dates through SPG® Flights portal), etc. Points also can be transferred to 30 airline partners. One of the most important features of this card is when you redeem your Starpoints® for hotel stays at SPG®, Marriott and Ritz-Carlton properties (if you transfer points to their loyalty programs), you might get 2 cents or even higher per 1 point. And, of course, no blackout dates for room booking.
When you book a room at SPG®, Marriott or Ritz-Carlton properties with this card, you get a free in-room Wi-Fi access, and complimentary access to the Sheraton club lounge (if you stay at Sheraton). In addition, this card grants you a credit of 5 night and 2 stays at SPG® and Marriott properties, as well as free and unlimited access to the Boingo Wi-Fi hotspots worldwide.
With the Starwood Preferred Guest® Business Credit Card from American Express you also can move towards Gold and Platinum member status of SPG® loyalty program. To learn how to get Gold or Platinum SPG® status and its benefits, read our review of SPG® loyalty program.
What is important for business is that you can add and authorized employee to your Starwood Preferred Guest® Business Credit Card from American Express. Annual fee for employee card is $0, and employee card earns Starpoints® at the same rate.
How much it costs
Annual fee (waived for the first year) is $95. A variable APR 16.24%, 18.24% or 20.24% applied based on your creditworthiness. 29.99% penalty APR to your account might be applied for 12 months if you make 2 late payments within 12 months, your payment was returned or you don’t pay the minimum payment by the due date. $38 penalty fee for late or returned payments is applied.