Starwood Preferred Guest® Business Credit Card from American Express

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  • Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months.
  • Terms Apply
  • Earn 2 Starpoints® for each dollar of eligible purchases at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases.
  • Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights. Some hotels and resorts have mandatory service charges.
  • Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
  • Visit our credit card partner’s site in order to learn more and securely apply for the Starwood Preferred Guest® Business Credit Card from American Express
Annual Fee:
$0 intro, $95 after first year
Purchase Intro APR:
N/A
Purchase Regular APR:
16.24% - 20.24%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
N/A

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 26.24%
Cash Advance Fee 3%, Min: $5
Late Fee Up to $38
Penalty APR 29.99%
Balance Transfer Fee N/A
Foreign Transaction Fee None
Return Payment Fee $38

Rewards

Sign-Up Bonus

Earn 25,000 points after you spend $5,000 in 3 months.

All Purchases

1 point per dollar

No cap on spending


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
atonpitbull
The perfect card for non bonus spend
by atonpitbull
Helpful to 1 out of 1

I applied during one of the 35,000 bonus point sign up offers and was instantly approved for a $20,000 limit. My scores are all over 800.

 
I had seen the 35,000 point offer before but didn't apply since I'm never around any Starwood properties and don't fly much these days. What changed it for me this time was the 1:3 transfer ratio from Starwood to Marriott after the buyout. Once you link your accounts, the transfer is instantaneous.
 
To meet the bonus requirement, I had to spend 3k within the first three months and another 2k within the first six months. Once I met it, that's 40,000 SPG points, or 120,000 Marriott points. So now, the vast majority of my non bonus spend goes on this card.  
Its easy to redeem Marriott points for 1 cent per point and it's not that hard to get 1.5 or even 2 cents per point on some redemptions. That means a 3-6% return on non bonus spend.
 
There is a $95 annual fee but there are usually enough Amex offers that come out throughout the year enabling you to nix out your $95 fee through cash back from the offers. I actually got $120 back last year from several different offers. As far as I'm concerned, that more than takes care of the annual fee. 
 
Bottom line:  I definitely recommend this card, especially if you want to rack up Marriott points fast. I hope this helps!
The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Review
atonpitbull
The perfect card for non bonus spend
by atonpitbull
Helpful to 1 out of 1

I applied during one of the 35,000 bonus point sign up offers and was instantly approved for a $20,000 limit. My scores are all over 800.

 
I had seen the 35,000 point offer before but didn't apply since I'm never around any Starwood properties and don't fly much these days. What changed it for me this time was the 1:3 transfer ratio from Starwood to Marriott after the buyout. Once you link your accounts, the transfer is instantaneous.
 
To meet the bonus requirement, I had to spend 3k within the first three months and another 2k within the first six months. Once I met it, that's 40,000 SPG points, or 120,000 Marriott points. So now, the vast majority of my non bonus spend goes on this card.  
Its easy to redeem Marriott points for 1 cent per point and it's not that hard to get 1.5 or even 2 cents per point on some redemptions. That means a 3-6% return on non bonus spend.
 
There is a $95 annual fee but there are usually enough Amex offers that come out throughout the year enabling you to nix out your $95 fee through cash back from the offers. I actually got $120 back last year from several different offers. As far as I'm concerned, that more than takes care of the annual fee. 
 
Bottom line:  I definitely recommend this card, especially if you want to rack up Marriott points fast. I hope this helps!

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‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from February 2017 through July 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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