Starwood Preferred Guest Business Credit Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 04/18/2025
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Starwood Preferred Guest Business Credit Card
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Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
17.99% - 26.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
N/A
Annual Fee
$95
Credit Score Range
680 - 850
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 and quickly find the best options for your needs. |
All information about this card has been collected independently by SuperMoney.
This is a rewards card issued by American Express® 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
| The Good | The Bad |
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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.| 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 $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.
| 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 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:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | Starting at $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 75,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
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| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- 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.
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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