Starwood Preferred Guest® Business Credit Card from American Express

Robin Saks Frankel  in  Business Advertising Disclosure

Best for SPG business travelers

Annual Fee:
$0 for the first year, then $95.
Purchase Intro APR:
N/A
Regular APR:
17.74% to 26.74%, based on your creditworthiness as determined at the time of account opening. This APR will vary with the market based on the Prime Rate.
Terms and Restrictions Apply | Rates and Fees
Bankrate Score: 96 out of 100

Commonly used for: Business, Excellent Credit, Hotel, No Foreign Transaction Fees.

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

Editor’s note: This credit card has been rebranded as the Marriott Bonvoy Business™ American Express® Card. Read our updated review or check out our other Business Credit Card offers.


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. (See Rates and Fees)
• 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
Credit Needed

Regular APR

18.24% to 23.24%, 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
Credit Needed

Regular APR

0% fixed Intro APR for the first 12 months that your Account is open. After that, 15.49% to 21.49%, 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, 15.49% to 21.49%, 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?

Capital One® Spark® Cash for Business
  • Earn unlimited 2% cash back for your business on every purchase, everywhere
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • $0 annual fee for the first year; $95 after that
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Apply Now On Capital One's secure website
Credit Needed

Excellent, Good

Regular APR

19.24% (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.

For rates and fees of the Starwood Preferred Guest® Business Credit Card from American Express, click here.