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  Starwood Preferred Guest Business Credit Card

Out of Business

Starwood Preferred Guest Business Credit Card

in Business Credit Cards from American Express National Bank

Out of Business

Starwood Preferred Guest Business Credit Card

in Business Credit Cards from American Express National Bank

Net Recommendation Score -100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Purchase APR  (Variable APR) 17.99% - 26.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 680 - 850
Annual Fee $95

Starwood Preferred Guest Business Credit Card Review

Starwood Preferred Guest Business Credit Card is no longer available to new customers on SuperMoney.

Click here to compare Business Credit Cards and quickly find the best options for your needs.

Key Takeaways
  • Business credit card with generous reward rate. You will get a rewards rate of up to 6 reward points per dollar spent.
  • Signup bonus. Offers a signup bonus of $100 if you spend $3000.
  • Signup bonus. Offers a signup bonus of 75000 points after spending $3,000 that can be redeemed for travel, gifts, or other perks.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.99% up to 26.99%.
  • Annual fee waived the first year. Starwood Preferred Guest Business Credit Card gives you the chance to have the card for a year without paying the $95 annual fee.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, purchase protection, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of Starwood preferred guest business card
The Good The Bad
  • Free Night Awards at Marriott Bonvoy hotels.
  • Annual fee waived during the first year.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Starwood Preferred Guest Business Credit Card is accepted.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Charges an annual fee of $95
  • Does not report to credit bureaus.
Starwood preferred guest business card FAQ

Who is Starwood preferred guest business card designed for?

This is a credit card issued by American Express National Bank. 

This business card is designed for small business owners with good credit. The minimum credit score to apply is 680.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 17.99% up to 26.99%.

It also has a variable cash advance APR of 25.24%. Note that late payments are subject to an APR of 29.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does it have an introductory APR offer?

This business credit card does not offer an introductory rate on new purchases.

Starwood preferred guest business card Rates & Terms
Purchase APR 17.99% - 26.99%
Cash Advance APR 25.24%
Penalty APR 29.24%

What fees does it charge?

The following fees apply to this business credit card:

  • An annual fee of $95.
  • A late payment penalty of up to $39.
  • A returned payment fee of up to $39.

Does it charge a foreign transaction fee?

This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Starwood preferred guest business card Fees
Fees Amount
Annual Fee $95
Foreign Transaction Fee 0%
Returned Payment Fee $39
Late Payment Fee up to $39

Does it offer a cash back rewards program?

This business credit card offers a rewards program to its customers. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Every Purchase
  • Hotels

Does it have a sign up bonus?

Yes, it offers card users a signup bonus worth up to $100 after you spend $3000.

However, it does include a 75000 points signup bonus after you spend $3000 that can be redeemed for travel, gifts, or other perks.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability

What is the customer service phone number?

The customer service number for this business card is (800) 528-4800.

What is the support contact email?

The support contact email for this business credit card is info@americanexpress.com.

How do people rate the customer service and user experience?

Overall, this business credit card is strongly not recommended based on community reviews that rate customer service and user experience.

How to apply?

  • Visit the American Express National Bank .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Feature Breakdown

Every Purchase (Points) 2X points on all other eligible purchases;
Foreign Currency Transaction Fee 0%
No Annual Fee First Year
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Annual Fee $95
Cash Advance Fee (%) Up to 3%
Cash Advance Fee Minimum $5
Late Fee Amount Up to $39
Minimum Cash Advance Fee ($) Starting at $5
Returned Payment Fee $39
Customer Type Business
Minimum Age 18
Credit Score Range 680 - 850
Credit Card Benefits
  • Extended Warranty Protection
  • Purchase Protection
  • Fraud Liability
  • Auto Rental Collision Damage Waiver
Bonus Rewards Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
Rewards Categories
  • Every Purchase
  • Hotels
Signup Bonus Starting at $100
Signup Bonus (points) 75,000
Balance Computation Average daily balance (including new purchases.)
Cash Advance APR (Variable APR) 25.24%
Penalty APR (Variable APR) 29.24%
Purchase APR (Variable APR) 17.99% - 26.99%
Card Network American Express
Card Type
  • Rewards
  • Travel

Starwood Preferred Guest Business Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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