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Starwood Preferred Guest® Business Credit Card from American Express Review

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"Take Your Business Further With Points!"

This card is ideal for the frequent business traveler who purchases Starwood hotel accommodations. With free nights at more than 1,300 hotels & resorts in over 100 countries - and no blackout dates - the card rocks!

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Card Summary Table

The Ideal Cardholder

If you’re a business owner who is regularly criss-crossing the country – or even the globe – then having a credit card that rewards you for doing so is a must.

The Starwood Preferred Guest® Business Credit Card from American Express could just be that card.

Being away from home can be exhausting, but if you’re able to earn rewards it can be well worth the effort! This card makes earning and collecting those rewards easy.

Carrying this card can earn you free nights, free flights with SPG Flights, access to the Sheraton Club Lounge, and can even accelerate you to SPG Gold status!

See just how rewarding your business travel can be with a Starwood credit card.

Relax in Your Room with a Hotel Business Credit Card
Utilize your Starwood Preferred Guest® Business Credit Card from American Express to earn rewards for all the travel you are doing. You’ll soon find it easy to relax knowing you have a rewards trip in your future!

Sign-Up Bonus and Earning Categories

After you sign up to get the Starwood Preferred Guest® Business Credit Card from American Express, you will be eligible to receive the current sign up bonus after you have used your new card to make the appropriate spend in purchases within the allotted time.

For frequent travelers who stay in Starwood hotels, this hotel card could be the ideal partner for you. That’s because you could start to see your points rack up right away.

Earn 2 Starpoints® for each dollar of eligible purchases at participating SPG® Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases.

You can get up to 5x Starpoints on eligible purchases at SPG hotels. That’s 2 Starpoints for being a cardmember, in addition to the 2 or 3 Starpoints for which you may be eligible as an SPG member.

During the first year, you won’t have an annual fee, so you’ll have the opportunity to see how you like using the card at absolutely no cost. After that, the annual fee is just $95.

Bottom Line: Earn 2 Starpoints at participating Starwood and Marriott hotels, and earn 1 Starpoint for all other purchases. Plus, there’s no annual fee in the first year with the Starwood Preferred Guest® Business Credit Card from American Express.

Benefits of Being a Card Member

The Starwood Preferred Guest® Business Credit Card from American Express isn’t just a way to earn Starpoints, though. There are plenty of additional benefits, too, such as (Terms and Conditions Apply):

  • Free nights at more than 1,300 hotels & resorts in over 100 countries with no blackout dates
  • SPG Gold status after spending $30,000 or more in eligible purchases
  • Access to the Sheraton Club Lounge
  • Premium on-property internet access plus Boingo Wi-Fi while you’re staying at SPG participating hotels
  • Credit for 5 nights and 2 stays each year toward the next level of SPG Elite status

Bottom Line: Using your Starwood Preferred Guest® Business Credit Card from American Express can take you even further, and includes a wide array of benefits while you are traveling.

Additional Card Perks

Additional perks with the card can provide you with peace of mind while you’re on the road, as well as when you make important purchases.

Like many other travel rewards credit cards, you’ll get a baggage insurance plan. Checked bags are covered up to $500 and carry-on bags for up to $1,250 when you book your flight with your AMEX card.

You also get travel accident insurance, a global assist hotline, and more.

Your card also offers other nice perks such as purchase protection, car rental loss and damage insurance, roadside assistance, and extended warranty.

Bottom Line: Whether you’re on the road or making an important purchase, your Starwood Preferred Guest® Business Credit Card from American Express offers protection for your travel and buying needs.

Even More Convenience By Carrying This Card in Your Wallet

There are even more benefits offered with the Starwood Preferred Guest® Business Credit Card from American Express. That’s because you’ll have the perks that are provided with every business card from American Express OPEN.

For example, your card will come fully equipped with the OPEN Savings benefit, which will give you added value when you make eligible business purchases.

You’ll also have access to ReceiptMatch. This is a feature that helps you to manage expenses on your card by adding receipts, tags, and notes to your transactions, both through a desktop computer and a mobile device.

Other advantages that are automatically included with your  card include:

  • Account alerts
  • Account Manager program
  • Mobile and tablet apps
  • Dispute resolution
  • Online statements
  • OPEN Forum

Bottom Line: On top of the benefits that are specific to the Starwood Preferred Guest® Business Credit Card from American Express, you will also be eligible for the benefits provided with every business card for American Express OPEN members.

Just a Few Things To Consider With Your Card

Even though there are countless benefits to carrying the Starwood Preferred Guest® Business Credit Card from American Express with you on your adventures, there are also some things to consider before you sign up for this particular card.

This is especially important since you have many different credit cards that are available to choose from in the marketplace!

First, this card – like many of the other rewards cards – does have an annual fee. Though the fee is waived for the first year, this particular card charges $95.

That means you’ll have a full 365 days to check out the card and see how you like it before you will be charged the fee.

Also, the bulk of the points you can earn on the card will come from travel. So if you aren’t a frequent traveler, there may be other credit cards out there that could serve you better for accumulating points.

Bottom Line: The annual fee on the Starwood Preferred Guest® Business Credit Card from American Express is waived during the first year. If you’re a frequent traveler, then the card could be ideal; otherwise, you might want to seek out an alternative!

Alternatives to the Starwood Preferred Guest® Business Credit Card from American Express

Try to stay aware of alternative cards if you want to continue to keep your rewards maximized. There are a few other hotel cards available, and you may be better off with one of them.

For someone who likes Marriott Hotels, you have the Chase Marriott Rewards® Premier Credit Card. You’ll get 1-5x points on Marriott hotel purchases, airfare, dining, and car rentals.

This card also comes with 1 free night at a Marriott property each year!

If you love Hilton hotels, you could utilize one of the many Hilton cards. You can see our reviews for the Citi Hilton Honors Visa Signature Card or the Hilton Honors™ Card from American Express for details.

These cards earn between 2x-7x Honors points for each dollar spent in a variety of categories, provide boosts to get you closer to elite status, and offer a few unique benefits.

As an example, the Citi Hilton Honors Visa Signature Card has a 10,000-point bonus for spending over $1,000 with Hilton in any given year, and $20k in total purchases during a year earns Gold status.

There may be an option for you in our 10 Most Popular Cards List, or perhaps in our airline credit cards list if you’d rather check out other types of cards.

For those searching for an alternative business card with rewards, you can review The Enhanced Business Platinum® Card from American Express OPEN, or The Business Gold Rewards Card from American Express OPEN.

If you’re looking for a Chase card, the Ink Business Preferred℠ Credit Card or the Chase Ink Business Cash℠ Credit Card are great options too.

Bottom Line: Keep an eye out for alternatives to the Starwood Preferred Guest® Business Credit Card from American Express. There are plenty of other business card options, hotel card options, and everything in between to help you utilize your biggest opportunities to earn points and rewards!

Final Thoughts: A Card Summary

If you are a business owner who also travels frequently overnight, then you should consider carrying the Starwood Preferred Guest® Business Credit Card from American Express.

Doing so can provide you with rewards on travel while offering protection and peace of mind.

This card can definitely ensure that you are treated like royalty when you stay in a participating SPG hotel, of which there are many: more than 1,300 hotels & resorts in over 100 countries around the world!

You will also be offered insurance in several ways, whether you’re in the air or on the road. It can also ensure the purchases you make will be covered even after the original manufacturer’s warranty has expired.

In addition to benefits that are specific to the card, you will be automatically eligible for all the features included through American Express OPEN.

If you still aren’t sure whether this is the card for you, try it out for 1 full year. Because the annual fee is waived in the first year, you have the opportunity to use the card without having to worry about the fee until the following year.

Bottom Line: If you’re a business traveler who takes regular overnight trips, then the Starwood Preferred Guest® Business Credit Card from American Express may be a good fit for you.

Great Card If

  • You are a business owner or entrepreneur
  • You travel frequently, especially overnight in Sheraton hotels or any Starwood brand with a lounge
  • You are a frequent internet user while traveling

Don't Get If

  • You are not a business owner or entrepreneur
  • You are not a frequent traveler
  • You do not stay in Starwood hotels often

U.P. Pro Tips

Maximize your usage of the card by trying to stay in Starwood brands that have a lounge!

Use this link to research all the places that have clubs and book your stay there to enjoy the relaxing environment.

You’ll still earn all your points, and may end up saving even more money by utilizing all the offered amenities of the clubs.

Utilize Sheraton Club Access with Business SPG Card
Do your research before you book business travel: not all Starwood hotels have a lounge. If you stay in a hotel that does, then you can utilize your Starwood Preferred Guest® Business Credit Card from American Express lounge benefit while out on travel!

How To Use the Starwood Preferred Guest® Business Credit Card from American Express: The Upgraded Way™

Best Way To Maximize Points

The Starwood Preferred Guest® Business Credit Card from American Express is mostly geared towards those who travel frequently and who stay at participating SPG hotels.

If this describes you, then you may have found your ideal travel partner!

Now you can you start to rack up points when you or your employees are on the road. By transferring Starpoints to participating frequent flyer programs, you can earn even more!

Tip #1: Be sure to use your card at participating SPG hotels. You can get up to 5 Starpoints for each dollar that you spend on eligible purchases, and 1 Starpoint on all other purchases.

Tip #2: Plan your stays to earn an elite status. With status, you will earn additional bonus Starpoints for your stay.

Alternatively, after you’ve spent $30,000 or more in eligible purchases on your card in a calendar year, you can get SPG Gold status.

Tip #3: When staying at a Starwood property, use their bars and restaurants to earn bonus points by using your card.

Tip #4: SPG partners with both Delta and Emirates. Utilize these partnered programs to earn Starpoints for flying and miles for staying at Starwood.

Tip #5: If you transfer 20,000 Starpoints to a participating frequent flyer program, you can receive 5,000 bonus Starpoints for a total of 25,000 miles.

Tips for Using SPG Business Card
Though some tips may seem obvious, you’d be surprised how often people can forget! Utilize many different ways to earn points in order to get the most rewards in the end.

Best Way To Redeem Points

While there are many credit card rewards programs that will have you spending your points on gift cards and merchandise you might never use, the Starwood Preferred Guest® Business Credit Card from American Express is different.

This card is geared toward those who stay in hotels regularly, and it rewards you handsomely for doing so.

Tip #1: Transfer your points to travel partners and receive a 25% bonus on your points. For instance, 20,000 points transferred to American Airlines will give you 25,000 AA miles!

Hot Tip: SPG is one of the few ways to transfer points to American Airlines! Another is by using ThankYou points from Citi.

Tip #2: Redeeming for Starwood rooms can get you as good or better a point value than transferring to airlines. There are multiple options and it will depend on each category, so be sure to do your research.

For instance, a Category 3 hotel room could be redeemed for 7,000 points. If the room costs $140 or more, you’ll be getting higher than a $0.02 value, which is the minimum recommended by us!

Tip #3: If using your points for free nights, try to maximize your redemptions by using the 5th Night Free option. For every 5 nights, you’ll get the equivalent of one night’s worth of points in discount.

Tip #4: The Cash and Points option can also be valuable in some instances; look into this as a hybrid of booking an awards flight.

Tip #5: Try checking out SPG Moments, SPG Flights, and SPG Flights & Nights. You may be able to find something very valuable for you!

Partners

Card Math

If you like the Starwood Preferred Guest® Business Credit Card from American Express, then it can be extremely helpful to review some examples of how this card can work for you from a financial standpoint.

The main goal here is not to get too in-depth, but rather to determine whether or not this particular credit card will benefit you when comparing its $95 annual fee to the rewards you can earn using it.

Because the card is predominantly for business travelers, it can help to sketch out a plan of action about how you may use the card to ensure you’ll get the most benefit from it.

For example, here is a chart of how many Starpoints it will “cost” for a night in a standard Starwood hotel room:

Starwood Points Redemption Rates
Category 1: 2,000 – 3,000
Category 2: 3,000 – 4,000
Category 3: 7,000
Category 4: 10,000
Category 5: 12,000 – 16,000
Category 6: 20,000 – 25,000
Category 7: 30,000 – 35,000

You can also transfer your Starpoints to a number of different airlines’ frequent flier programs or to Marriott Rewards. In most cases, Starpoints may be converted on a 1:1 basis, but Marriott Rewards transfers at a 1:3.

In addition, when you transfer 20,000 Starpoints to an eligible program, you can receive an extra 5,000 points – meaning that you’re continuing to earn points as you’re transferring them.

This essentially keeps the point cycle churning.

Some Quick Card Calculations – Personal Spend

While the annual fee on this card is now $95 (a $30 increase from what it was in the past), it can still be well worth it considering the benefits: you get free premium internet, AMEX Boingo access, and no foreign transaction fees.

It’s also important to note that you may get up to 5 Starpoints for each dollar of eligible purchases at participating SPG hotels, 2 Starpoint when used at Marriott hotels, and 1 Starpoint on all other eligible purchases – so the points can rack up fast!

Just how fast, though, will really depend on you and how much you travel throughout the year.

Let’s take a look at our 3 different families who have different annual spending habits in order to give you a better idea of the points and their accumulation.

We will assume that the Kennedys are Preferred members, the Jetsons Gold, and the Hartnells Platinum. The below table shows how many points they could earn just using their card at Starwood hotels:

FamilySpendStarpoints Earned
The Kennedys$1,8007,200 (@ 4 pts/$1)
The Jetsons$6,00030,000 (@ 5 pts/$1)
The Hartnells$10,50052,500 (@ 5 pts/$1)

*Total hotel spending and points earned from the families in one year’s time frame.

It’s easy to see how quickly the Starpoints can add up. With award nights starting at just 2,000 points, we can safely assume that the card’s annual fee will be well worth it for most members!

Even with just the basic examples above, the family with the least amount of points was still able to redeem points for 3 nights in a Starwood hotel.

But these calculations are assuming that you only redeem your points for a hotel stay. There are other items that you can choose, which could increase the value even more.

Airline tickets, merchandise, gift cards – the choice is all yours!

Using Your Starwood Preferred Guest® Business Credit Card from American Express in Your Business

Obviously, the Starwood Preferred Guest® Business Credit Card from American Express is tailored for the business owner to use on their expenses. Let’s take a look at what that could mean with your yearly expenses.

The following table represents a modest business that operates on ~$135k in expenses each year.

Spending CategoriesAmountOtherAmount
Office Supply$12,000Conferences/Networking$2,000
Shipping$4,000Travel Expenses Related to Above$2,000
Cell Phone$2,400Legal Fees$10,000
Landline$  –Advertising/Marketing$10,000
Internet$1,800Web Expenses (Including Dev)$12,100
Cable$  –Other Transportation$500
Gas Station$5,200Accounting Fees$10,000
Restaurants$2,600Insurance$1,200
Total$28,000 Office Rent$60,000
Total$107,800

*Business spending totaling $135,800 per year in a variety of categories.

Calculating the Value of the Business Expenses

If we assume half of the travel expenses go toward hotels, then that would fall under the 2x point category if spent at SPG or Marriott hotels. Taking this into account, the following points are earned over a year:

Reward Earning CategoryTotal Dollars SpentTotal Points Earned
2x pts$1,0002,000
1x pts$134,800134,800
Grand Total$135,800 136,800

*Total points earned with the given business expenses with the card

At 136,800 points total, you could redeem for between 3-68 nights! The latter obviously assumes everything is in a Category 1, which may not make sense for you.

On top of this, you can consider the additional value of having lounge access, and perhaps even combine your points with your personal spending.

If you add in personal spending, you can get at least an additional 1-3 nights per year. Not a bad payout!

Use the SPG Business to Relax on Travel
Smile knowing that you can utilize the SPG business card to get lounge access, making all your business trips a little more relaxing. Using your card for business spending can earn you at least a few free nights per year!

Card Math Conclusion

Earn at least 3 (and potentially many more!) free nights at Starwood Hotels when you utilize your card to earn points throughout the year.

If you value the rooms at a minimum of $100, then the card is worth at least $300-$1000++ depending on your own preferences of travel and redemption.

Don’t forget you can also transfer to airline partners if you choose! At $0.02 per point, you could hit well over $2,000 in value.

Bottom Line: Earn multiple free nights per year and at least $300-$1000++ in free rooms at Starwood with the Starwood Preferred Guest® Business Credit Card from American Express. At excellent redemption rates including airline partners, you may be able to hit over $2,000 in value!

The Gritty Details: Everything Else You Need To Know

As with most everything else in life, you should know the “nitty gritty” details before you go head first into making a financial decision – no matter how great the benefits may seem!

This includes getting an SPG business card.

With that in mind, you should (at the very least!) read over the cardmember agreement so you’ll know which spending will count for accumulating points and which will not.

That way, there won’t be any surprises later on…though AMEX does reserve the right to change the program at any time.

With this card, you earn Starpoints in a couple of different ways. For example, you can earn up to 5 points for each dollar of eligible purchases at participating SPG hotels.

That’s 2 for being a cardmember plus another 2-3 for being an SPG member. You can also earn 2 Starpoint at Marriott hotels and 1 Starpoint for all other purchases that you make with the card.

As a business owner, you can get additional employee cards with no annual fee, and you can earn points at the same rate for every eligible purchase that is charged.

Understanding Your Starwood Preferred Guest® Business Credit Card from American Express Rewards

When it comes to rewards, there are several areas where these can be found on the card.

For starters, you’re able to redeem points for free nights at more than 1,300 hotels & resorts around the world without having to worry about blackout dates.

Additional travel-related rewards associated with this card include:

SPG airline transfer program – You can receive a 5,000-Starpoint bonus when you transfer 20,000 Starpoints to a participating frequent flyer program.

SPG Gold status – You can attain SPG Gold status after you have spent $30,000 or more in eligible purchases with your card during a calendar year.

Access to Sheraton Club Lounge – As a member, you have access to member benefits, such as the Sheraton Club Lounge so that you can mingle with other guests, catch up on work, or just take a breather and relax.

Premium on-property internet access + Boingo Wi-Fi – Enjoy complimentary in-room, premium internet access while you stay at participating SPG hotels. In addition, receive free access to unlimited Wi-Fi on up to 4 devices at more than 1 million hotspots worldwide.

Additional Member Advantages and Protection

While you’re on the go, it’s nice to know that you’ve got protection. With the Starwood Preferred Guest® Business Credit Card from American Express, you’ll have additional coverage, such as:

Car rental loss and damage insurance – When you’ve used your card to reserve and pay for your rental car, you can be covered if the car has been stolen or damaged.

Baggage insurance plan – What’s more frustrating than lost or stolen bags when you’re traveling? When you pay for your trip with your card, you’re covered for luggage that is lost, stolen, or even damaged, both carry-on and checked.

Global assist hotline – If you’ve traveled more than 100 miles from home and you need emergency assistance, the global assist hotline is there for you. For legal, medical, financial, or other needs, your card has you covered.

Roadside assistance hotline – As a cardmember, if your car breaks down, you can rely on roadside assistance for towing and other emergency services.

Travel accident insurance – Your Starwood Preferred Guest® Business Credit Card from American Express can also provide accidental death and dismemberment coverage when the fare has been charged to the card. This coverage can offer financial security when it is needed most.

Purchase protection – If you pay for an item on your card, this can help protect your purchase for up to 90 days if it is stolen or accidentally damaged.

Extended warranty – The extended warranty can provide up to 1 year of additional coverage to the original manufacturer’s protection on a product you’ve purchased with your card.

The Business Benefits of Being a Member

It’s true that membership certainly does have its advantages. By carrying the card, you’ll also have access to benefits from American Express OPEN, including:

ReceiptMatch – With ReceiptMatch, you can manage your card expenses by simply adding receipts, tags, and notes to your transactions. This can easily be done via a desktop computer or mobile device.

Account alerts – You can have alerts set up to help avoid any late payments, as well as be notified if there is any irregular activity occurring on your account. Alerts may be set up for monitoring employee card spending as well.

OPEN Savings – Your card will come fully equipped with the OPEN Savings benefit. This will provide you with additional value when you make business purchases.

Account Manager – With Account Manager, you can assign a trusted employee or business partner to handle various tasks such as reviewing statements and making payments, so you are free to focus on other activities.

Mobile and tablet apps – By having access to mobile and tablet apps, you can pay bills, check your balance, view your benefits, and more from just about anywhere.

Dispute resolution – Should there be any fraudulent activity and/or an incorrect charge on your account, American Express will work with you to help resolve the issue.

Online statements – With online statements, you can view your purchase history, prepare reports to invoice customers, and budget your expenses.

OPEN Forum – OPEN Forum provides you with access to information that can help you keep your business moving and growing.

Photo Credits/Credit/Copyright Attribution:
Young Man Relaxing in Hotel: pio3/Shutterstock
Business Workers Checking Into Hotel: Lucky Business/Shutterstock
Bunch of Thumbs Up: fotogestoeber/Shutterstock
Business Woman Relaxing on Bed: Alliance/Shutterstock

Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express
  • Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent on the Card at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
Apply Now Full review

FAQ

Is the Starwood Preferred Guest® Business Credit Card from American Express worth it?
If you are a business owner (especially if you frequently travel overnight), then yes, this card can be well worth it.

For starters, the card has a $0 introductory annual fee for the first year, and then only costs $95 per year thereafter.

But paying that annual fee gets you the following benefits (Terms and Conditions Apply for all benefits):

  • Free in-room premium internet access
  • Unlimited complimentary Boingo Wi-Fi on up to 4 devices at more than 1 million Boingo hotspots worldwide
  • Complimentary access to the Sheraton Club Lounge
  • Credit for 5 nights and 2 stays toward SPG Elite status each year
  • $0 annual fee for each employee card
  • Employee Starwood Preferred Guest® Business Credit Cards from American Express OPEN earn Starpoints at the same rate

The card also includes a multitude of travel-related rewards, such as:

  • Free nights at more than 1,300 hotels & resorts in over 100 countries – with no blackout dates
  • Access to Sheraton Club Lounge
  • SPG Gold Status
  • Elite Status
  • Premium on-property internet access + Boingo Wi-Fi

There are additional perks like:

  • Purchase protection
  • Car rental loss and damage insurance
  • Global assist hotline
  • Roadside assistance hotline
  • Travel accident insurance

Plus, you also receive all of the benefits that members of American Express Open get, which include:

  • RecepitMatch, OPEN Savings, dispute resolution, account alerts, Account Manager, online statements, mobile and tablet apps, OPEN Forum

Is there an annual fee on the Starwood Preferred Guest® Business Credit Card from American Express?
Yes; the annual fee is $95. However, the annual fee for the card is waived for the first year.

Will the points on the Starwood Preferred Guest® Business Credit Card from American Express ever expire or go away?
Your points are tied directly to your SPG account, so the cancellation policy that applies will be per SPG.

The SPG expiration policy is 12 months of inactivity.