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Who is the Starwood Preferred Guest Business Credit Card 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 Rates for Starwood Preferred Guest Business Credit Card?

Starwood Preferred Guest Business Credit Card has a rate ranging from 16.24% APR to 20.24% APR on purchases. Cash advances have a 26.24% APR and there is no option for balance transfers. Cardholders who are late on their payments get hit with a 29.99% 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?

The Starwood Preferred Guest Business Credit Card from American Express® has a $95 annual fee that is waived the first year. There is no foreign transaction fee but 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's Rewards Program Like?

Starwood Preferred Guest Business Credit Card 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's Signup Bonus?

Starwood Preferred Guest Business Credit Card gives new cardholders 25,000 points after they spend $5,000 in the first 3 months of opening the accounts.

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

Starwood Preferred Guest Business Credit Card 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 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 low rewards rate on travel purchases other than stays at Starwood hotels is a disappointing feature of an otherwise stellar travel business card.

  • Card Type
    • Travel
    • Rewards
  • Customer Type
    Business
  • Card Network
    American Express
  • Credit Score Range
    680 - 850
  • Minimum Age
    18
  • Annual Fee
    $95
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $38
  • Returned Payment Fee
    $38
  • No Annual Fee First Year
  • No Foreign Transaction Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • Points
  • Penalty APR
    29.99%
  • Purchases APR
    16.24% - 20.24%
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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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