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Who is the Starwood Preferred Guest Business Credit Card from American Express Designed For?

Starwood Preferred Guest Business Credit Card from American Express is designed for small and medium-sized business owners who enjoy staying at Starwood hotels and resorts, and want to earn travel rewards on their business purchases. The signup bonus and $0 introductory annual fee also make it an attractive card for people looking to earn free flights and hotel nights quickly.

What are the Interest Rates for the Starwood Preferred Guest Business Credit Card from American Express?

Starwood Preferred Guest Business Credit Card from American Express has a 15.24% to 19.24% APR on purchases. Cash advances have a 25.24% APR and there is no option for balance transfers. Cardholders who are late on their payments get hit with a 27.24% APR penalty rate that continues to apply for at least a year, more if they continue to miss payments.

What Are the Fees for Starwood Preferred Guest Business Credit Card from American Express?

The Starwood Preferred Guest Business Credit Card from American Express has a $65 annual fee that is waived the first year. There is also a 2.7% foreign transaction, which is strange for a card that markets itself as a travel rewards card, and a 3% cash advance fee (minimum $5 fee). Late and returned payments incur a $38 fee. There is no extra fee for adding authorized users to the account.

What Is Starwood Preferred Guest Business Credit Card from American Express's Rewards Program Like?

Starwood Preferred Guest Business Credit Card from American Express has a decent rewards program, particularly for people who stay regularly at Starwood hotels. Every $1 spent at one of Starwoods 1, 100+ properties in nearly 100 countries receives 5x points. All other purchases receive one point for every $1 spent. Apart from redeeming points for free nights at hotels, Starwood Preferred Guest points can be redeemed for free flights at over 30 airlines with no blackout dates. Points can also be redeemed for gift cards at a 1:1 point to cent ratio. For example, 5,000 points is the equivalent of $50.

What about Starwood Preferred Guest Business Credit Card from American Express's Signup Bonus?

Starwood Preferred Guest Business Credit Card from American Express gives new cardholders 10,000 points after they make their first purchase and an additional 15,000 points after they spend $5,000 in the first 6 months of opening the accounts.

Does the Starwood Preferred Guest Business Credit Card from American Express Have Any Other Benefits?

Starwood Preferred Guest Business Credit Card from American Express comes loaded with prime benefits for cardholders. These include purchase protection, car rental loss and damage insurance, baggage insurance, global assist hotline, roadside assistance, travel accident insurance and extended warranty.

How Is Starwood Preferred Guest Business Credit Card from American Express Better Than Other Credit Cards?

Starwood Preferred Guest Business Credit Card from American Express offers a high rate of rewards to business travelers who regularly visit Starwood properties. It has a solid welcome bonus and points can be used to buy flights as well as free nights. The annual fee is reasonable and it's even waived the first year, so there is no risk in giving a try. The foreign transaction fee and the low rewards rate on travel purchases other than stays at Starwood hotels are disappointing features of an otherwise stellar travel business card.

  • Card Type
    Rewards
  • Customer Type
    Business
  • Card Network
    American Express
  • Minimum Age
    18
  • Late Payment Penalty
    $35
  • Returned Payment Fee
    $35
  • Foreign Currency Transaction Fee
    2.7%
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    15.49% - %
js-table-filter bizname-american-express-simplycash-business-card
0
js-table-filter ccard-type-136
js-table-filter cashback-135
12.49
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-9
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • No Annual Fee
  • 0% Introductory APR
Card Type Rewards
Purchases APR 12.49%
065
js-table-filter bizname-starwood-preferred-guest-business-credit-card-from-american-express
65
js-table-filter ccard-type-136
js-table-filter points-137
15.49
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-9
js-table-filter credit-required-116

  • Points
  • No Annual Fee First Year
Annual Fee $65
Card Type Rewards
Purchases APR 15.49%
048
js-table-filter bizname-the-plum-card-from-american-express
250
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
0
0
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • Every Purchase
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Annual Fee $250
Card Type Rewards
048
js-table-filter bizname-the-enhanced-business-gold-rewards-card-from-american-express-open
js-table-filter airlines-140
175
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter points-137
0
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-9
js-table-filter credit-required-116

  • Airlines
  • Gas
  • Points
  • Restaurants
  • Travel
  • No Annual Fee First Year
Annual Fee $175
Card Type Rewards
058
js-table-filter bizname-business-green-rewards-card-from-american-express
js-table-filter airlines-140
95
js-table-filter points-137
0
js-table-filter travel-143
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-9
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Airlines
  • Points
  • Travel
  • No Annual Fee First Year
Annual Fee $95
058
js-table-filter bizname-the-business-platinum-card-from-american-express
450
js-table-filter ccard-type-199
js-table-filter points-137
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-116

  • Points
  • No Foreign Transaction Fee
Annual Fee $450
Card Type Charge Card
148
js-table-filter bizname-the-blue-for-business-credit-card-from-american-express
js-table-filter airlines-140
0
js-table-filter ccard-type-137
js-table-filter points-137
11.49
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-9
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Airlines
  • Points
  • Travel
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Purchases APR 11.49%
058
js-table-filter bizname-gold-delta-skymiles-business-credit-card-from-american-express
js-table-filter air-miles-136
js-table-filter airlines-140
95
js-table-filter ccard-type-136
15.49
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Air Miles
  • Airlines
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Annual Fee $95
Card Type Rewards
Purchases APR 15.49%
Balance Transfer APR 25.49%%
008
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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.


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