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American Express Starwood Preferred Guest Business Credit Card Review – The Business Credit Card that Maximizes Rewards?


The American Express Starwood Preferred Guest Business Credit Card offers a range of rewards for business travelers in the form of free nights at hundreds of Starwood resorts and hotels around the world. Whether you need to travel for work or you want to secure comfortable accommodations for employees, the business credit card makes it easy to accumulate points to redeem at hotels in various category levels.The card, which is offered through American Express, joins forces with Starwood Hotels and Resorts to offer business travelers a range of accommodations and exceptional services.

If you are not familiar with the Starwood Collection, there are hotels through every budget level including:

  • St. Regis
  • The Luxury Collection
  • Four Points
  • Sheraton
  • Le Meridien
  • Element
  • Westin
  • W Hotels
  • Aloft

These luxury hotels are some of the best known and accepted in the travel industry and provide business travelers with a range of options and amenities throughout the world. Whether you are looking for contemporary accommodations in an urban setting or prefer to stay at an ultimate luxury resort by the ocean, there are so many Starwood Hotel and Resort destinations to choose when redeeming the points earned through the American Express Starwood Preferred Guest Business Credit Card. Having a choice of hotels to stay at during a business trip is important — options are key to secure a room no matter where you plan on staying. These hotels are in major cities around the world, offering convenience and ease.

There are those who have avoiding using American Express in the past because it was one of those cards you had to pay the entire balance in full each month; however, over the years, American Express has offered a few cards that allow you to carry a balance over months and pay minimum monthly payments. Business owners often prefer to carry a card that is paid in full each month, but the option to carry a balance opens it up to even more businesses and helps small businesses earn rewards while maintaining a regular balance.

American Express has long been regarded as a prestigious card – so having the (somewhat) lenient payment options, such as carrying a balance with interest, more appealing to business owners who want both the benefit of carrying an American Express around, but might not be able to pay large balances off within a single month. For those who wish to sign up for the American Express Starwood Preferred Guest Business Credit Card, the card has the option of APRs ranging from 15.24, 17.24 or 19.24 based on credit rating. While American Express is a bit more selective in whom it gives certain credit cards to – especially business cards – the lower APR compared to other cards is certainly appealing. Another thing to consider when signing up for the Starwood Preferred Guest Business Card is the annual fee. For the first year, the introductory rate is $0 – just like many other credit cards offering rewards and benefits such as airline miles, cash back or gifts. After the first year, the membership fee jumps to $65, which is still pretty conservative compared to many other cards out there with $90 and more annual fees just to be a member. If you travel a lot and use the benefits, the annual membership fees are usually worth the price – and this $65 is not a hefty amount compared to the points and savings at resorts and hotels around the world.

For those signing up for the card, seeing that you are eligible to earn up to 25,000 Starpoint points just by signing up seems like a great benefit – but always read the small print! The advertised 25,000 points are broken up as follows:

  • 10,000 Starpoints for the first purchase using the American Express Starwood Preferred Guest Business Credit Card
  • 15,000 Starpoints when you purchase $5,000 worth of goods within the first six months of holding the card

If you spend $800 to 1,000 or more each month on business expenses, you should have no trouble staying within the terms of eligibility for the 25,000 bonus Starpoints. Some other perks you get when signing up for the American Express Starwood Preferred Guest Business Credit Card includes:

  • Credit for a 5 nights and 2 stays toward the Starwood Preferred Guest Elite Status annually
  • $0 annual fee for each additional card you have

One great feature of the American Express Starwood Preferred Guest Business Credit Card is the ability to have additional cards with no annual fee. This means you can have a card for business members without any added cost and each of those cards are accumulating Starpoints within the account, making it easier and faster to earn your perks!

Using the American Express Starwood Preferred Guest Business Credit Card, Starpoints are earned in two ways:

  • 2 Starpoints for each dollar spent on eligible purchases within the Starwood Preferred Guest program – which are purchases charged directly to participating resorts and hotels
  • 1 Starpoint for every dollar spent on other purchases

Redeeming the points is simple and you only need to start at 2,000 Starpoints to begin redeeming them for one-night stays at a variety of properties. The more points you have, the higher category properties you have to choose from when selecting accommodations. If you don’t anticipate spending too much time in hotels or resorts, the Starpoints can go toward other aspects of travel such as airfare and gift cards.

Airfare can be paid for through Starpoints – round-trip airfare begins at 20,000 points and offers countless flights with no blackout dates. If you don’t want to redeem points for airfare or hotels, the American Express Starwood Preferred Guest Business Credit Card allows you to redeem Starpoints for gift cards at select entertainment and retail merchants.

Aside from the amazing travel benefits offered through the American Express Starwood Preferred Guest Business Credit Card, there are coverage options also provided including:

  • Purchase protection
  • Car Rental Loss and Damage Insurance
  • Global Assist Hotline
  • Travel Accident Insurance
  • Baggage Insurance Plan
  • Roadside Assistance

Business owners often gravitate toward American Express not only because it’s one of the more impressive credit cards to have, but there are countless benefits offered through Starpoints and the additional perks. If you travel frequently, the American Express Starwood Preferred Guest Business Credit Card is worth looking into!

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