Starwood Preferred Guest® Business Credit Card from American Express Reviews

Approval Odds

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5.0 out of 5 stars
3 Reviews

From Cardholders in the last year

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ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

4.5 out of 5 stars

Customer Service

4.5 out of 5 stars

5 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR Not Applicable
  • Annual Fee $0 intro, $95 after first year
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 16.24% - 20.24%* Variable
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These reviews were written by current and former cardholders in the last year.

May 17, 2017
The perfect card for non bonus spend
atonpitbull Cardholder

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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Mar 19, 2017
Adds more points to my SPG hotel stays
Anonymous Cardholder

I am a frequent business travelers and always stay at SPG hotels. I am already an SPG platinum member. After having this card, my points more than doubled. I also love it when the points can be transferred to many airline programs, although mostly one-on-one. Now with the merger between Starwood and Marriott, I am unsure how to keep the great benefits. 

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Mar 19, 2017
Adds more points to my SPG hotel stays
Anonymous Cardholder

I am a frequent business travelers and always stay at SPG hotels. I am already an SPG platinum member. After having this card, my points more than doubled. I also love it when the points can be transferred to many airline programs, although only one-to-one. 

more ...
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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean and typical low score to the 5th 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 June 2014 through November 2014. 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.

Starwood Preferred Guest® Business Credit Card from American Express