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Last Updated: 05/14/2026

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Starwood Preferred Guest Business Credit Card

from American ExpressĀ® National Bank

Last Updated: 05/14/2026

Starwood Preferred Guest Business Credit Card logo
Rating not yet determined1 total votes
1 users don't recommend

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Highlights

Purchase APR (Variable APR)

17.99% - 26.99%(Verified 06/21/2024)
Disclaimer popup with additional information

Balance Transfer APR (Variable APR)

N/A

Annual Fee

$95

Credit Score Range

680 - 850

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Starwood Preferred Guest Business Credit Card Review

All information about this card has been collected independently by SuperMoney.
This is a rewards card issued by American ExpressĀ® National Bank. If you're wondering whether Starwood Preferred Guest Business Credit Card is the right card for you, read on.

Key Takeaways

  • Business credit card with generous reward rate. You can get a rewards rate of up to 6 reward points per dollar spent.
  • Signup bonus. Offers a signup bonus of up to $100.
  • Welcome offer. Offers a signup bonus of 75000 points that can be redeemed for travel, gifts, or other perks.
  • APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 17.99% up to 26.99%.
  • $0 intro annual fee for 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 Auto Rental Collision Damage Waiver, extended warranty protection on purchases, purchase security, and fraud protection.
  • Good or excellent credit required. You will have low approval odds if your credit score is below good.

Pros & Cons of Starwood preferred guest business card

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 card does not offer an introductory rate on new purchases.

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 $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.

Does it offer a cash back or rewards program?

Yes, Starwood preferred guest business 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 .
However, it does include a 75000 points signup bonus 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.

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.

Contact

Headquarters

World Financial Center
200 Vesey Street
New York, NY 10285
Visit Site
Email Support

Hours of Operation

Sunday
7:00AM - 12:00AM
Monday
7:00AM - 12:00AM
Tuesday
7:00AM - 12:00AM
Wednesday
7:00AM - 12:00AM
Thursday
7:00AM - 12:00AM
Friday
7:00AM - 12:00AM
Saturday
7:00AM - 12:00AM

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SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

-100

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Starwood Preferred Guest Business Credit Card Community Reviews

Would you recommend Starwood Preferred Guest Business Credit Card to your friends?

U

Anonymous

Aug 2, 2015

May or may not recommend

If you travel a lot and love the Starwood network of hotels, this is your card. There are nice perks associated with it, plus no annual fees. But there is a foreign transaction fee, which makes it not a great choice if you travel a lot overseas.

Showing 1 of 1 reviews

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