Starwood Preferred Guest® Business Credit Card from American Express

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Get this card to quickly earn free flights or free nights.

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The Starwood Preferred Guest Business Credit Card from American Express is beloved by points and miles maximizers for good reason. Since the merger of Starwood’s SPG and Marriott Rewards the offering remains one of the most competitive travel credit cards available. The rewards structure is generous, the choice is unparalleled with over 6,700 properties across 29 brands to redeem points, and the points are easily transferable to one of the dozens of airlines with which SPG has an alliance.

This ranks among the most well reviewed business credit cards on Bankrate.

Review

The top reasons to get a hotel-branded credit card are because you:
• Are a frequent guest at properties within that hotel’s portfolio.
• Want to earn free stays.

The Starwood Preferred Guest Business Credit Card from American Express goes further than most hotel cards, though, because of its generous redemption options. Not only can you redeem points for free hotel stays, you can book free airline travel, as well.

What’s more, this card boasts one of the most generous rewards rates of any travel card we’ve reviewed.

You’ll earn 6 points per dollar spent using this card on eligible purchases at over 6,700 participating SPG Marriott Rewards hotels across 29 brands, and 4 points per dollar at U.S. restaurants and gas stations, on wireless telephone services and U.S. shipping. On everything else, you will earn 2 points per dollar.

This card, paired with a free Marriott Rewards loyalty program, can fast-track you to free nights or free flights, depending on how you choose to use your earnings. The Starwood-Marriott-Ritz-Carlton brand powerhouse offers plenty of luxury options in its portfolio to use up the pile of points you’ll be amassing.

There’s also a sizeable welcome bonus of 75,000 bonus points after you use the card to make $3,000 in purchases within the first 3 months of Card Membership.

Who should get this card

Frequent business travelers who can stay within the SPG Marriott Rewards portfolio stand to benefit the most from owning this card.

The card is also good for those who want hotel perks like free Wi-Fi, and if you have Gold and Platinum status, free upgrades, late check-in, and increased points earnings for your stays.

Fees and APR

• Annual fee is $95, waived the first year.
• Pay no foreign transaction fees when making purchases outside the U.S.
• A variable penalty APR will apply for at least 12 billing cycles if you miss a payment or pay your bill late and you may have to pay a late fee of up to $38.
See Rates & Fees.

Extras, perks and using points

Additional employee cards are free and earn points at the same rate. This card comes with American Express OPEN benefits, the most significant of which is the 5% discount at FedEx, Hertz, Hewlett Packard and 1-800 Flowers.

Complimentary Silver Elite status. You can earn Gold Elite status if you spend $30,000 or more in eligible purchases on the card within the first year. Note: effective January 1,2019, the spend threshold will increase to $35,000.

Cardholders receive a free night award each year on the anniversary of opening the card with up to 35,000 redemption value. Starting in 2019 you will also receive 15 elite night credits, which will be limited to once per member.

With this card, you get free Wi-Fi at over a million Boingo hotspots worldwide and free in-room Wi-Fi at participating SPG properties. You also get roadside assistance, travel accident insurance, access to a global assistance hotline, extended purchase warranty protection and mobile phone damage and theft insurance.

Points can be redeemed for free nights and upgrades.

You can also redeem points for travel on more than 150 airlines with no blackout dates. The exchange rate is 1:1 on most airlines.

How this card compares

Ink Business Preferred℠ Credit Card
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our business category page.

Credit Needed

Excellent

Regular APR

17.99% to 22.99%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.

Annual Fee

$95.

Balance Transfers Intro APR

The Ink Business Preferred Credit Card has one of the best sign-up bonuses of any small business card, worth well more than the annual fee. The on-going perks are also excellent for tech and travel-heavy businesses.

Of course, this card is only a great choice if your spending habits align with the rewards categories of this card. If most of your spending is on office supplies or gas, for example, you may be better off with a different business credit card.

Ink Business Cash℠ Credit Card
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our business category page.

Credit Needed

Excellent

Regular APR

0% fixed Intro APR for the first 12 months that your Account is open. After that, 15.24% to 21.24%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.

Annual Fee

No Annual Fee.

Balance Transfers Intro APR

0% fixed Intro APR for the first 12 months that your Account is open. After that, 25.24% to 21.24%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.

If you’re just starting out and you aren’t sure what your spending patterns will be, the Ink Business Cash Credit Card is like a small rectangular mentor. The no-fee card will reward you for spending in the areas you’ll most likely need to get your business off the ground and gives you a full year break on interest for purchases and balance transfers. Who couldn’t use a little breathing room when launching a new venture?

SimplyCash® Plus Business Credit Card from American Express
  • Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.24% - 21.24%
  • No annual fee
  • Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
  • Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
  • With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors
  • Terms apply
Credit Needed

Excellent Credit

Regular APR

14.24% - 21.24% Variable

Annual Fee

$0

Purchase Intro APR

0% on purchases for 15 months

Balance Transfers Intro APR

N/A

In just about every respect — from rewards to the annual fee — SimplyCash Plus Business Credit Card from American Express card stands tall among the elite business cards on the market.

The only reasons to shy away from this card would be if your work requires significant overseas travel or if your biggest expenses don’t match up with the bigger cash-back savings categories.

Capital One® Spark® Cash for Business
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Earn up to $2,000. Earn a $500 cash bonus when you spend $5,000 in the first 3 months of opening your account
  • Plus, earn $1,500 when you spend $50,000 in the first 6 months. Limited Time Offer
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Credit Needed

Excellent, Good

Regular APR

18.74% (Variable)

Annual Fee

$0 intro for first year; $95 after that

Purchase Intro APR

N/A

Balance Transfers Intro APR

N/A

The Capital One Spark Cash for Business card pays an unlimited 2% cash back on all spending and waives the first year fee. If you find it cumbersome to track which categories you’re spending or your expenditures exceed the bonus category caps set by some cash-back business credit cards, this might be a more favorable choice for you.

EDITORIAL NOTE

Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines, or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.