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Home > Credit Cards > Starwood Preferred Guest® Business Credit Card from American Express® OPEN

Starwood Preferred Guest® Business Credit Card from American Express® OPEN

Snapshot of Card Features:

  • Starpoints® bonus: Earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership
  • Redeem Starpoints® at over 1,100 hotels and resorts in nearly 100 countries and for flights on more than 350 airlines with SPG Flights - all with no blackout dates
  • Earn up to 5 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the Starwood Preferred Guest® program
  • Terms and limitations apply
Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/AN/A15.24%- 19.24% Variable$0 introductory annual fee for the first year, then $65Excellent
 

Our Expert Review

Rates & Term Details

Complete Card Details
For the complete terms and conditions, view this card's Schumer Box

What is a Schumer Box?
A Schumer Box includes the following rate and term information for all credit cards:

  • Annual Percentage Rate (APR) for purchases (or interest rate)
  • Other APRs - interest rates for balance transfers, cash advances, default, etc.
  • Variable rate information (if applicable)
  • Grace Period
  • Finance calculation method
  • Finance Charges
  • Annual Fee (if applicable)
  • Other fees - transaction fees, balance transfers, cash advances, late payments, over-limit, etc.

Important
Always read the terms and fees disclosure provided by the credit card issuer on their site before applying. The issuing bank's terms may include more detailed or updated information than presented here.

Notes
*View Starwood Preferred Guest® Business Credit Card from American Express® OPEN card rates, fees, rewards and other important information.


Beverly Harzog - April, 2011

If you travel frequently for business, then you need to take a look at the Starwood Preferred Guest® Business Credit Card from American Express® OPEN. In addition to an excellent hotel and travel rewards program, you also get to enjoy a low introductory APR for the first six months.

Benefits

You get exceptional benefits, such as travel accident insurance and access to the Global Assist Hotline, which provides 24/7 emergency assistance. This card also comes with management tools that allow you to create customized reports from your spending data.

Rewards

After your first purchase, you get 10,000 Starpoints, which is enough for a free night at a Category 4 hotel. You can earn 15,000 bonus points when you spend $15,000 within the first six months. This is enough for two nights at a Category 5 hotel. Earn one Starpoint for every $1 of eligible spending. Get four Starpoints for every $1 spent at SPG hotels and five points per $1 once you reach the Gold or Platinum level of SPG Elite Status. You can redeem your Starpoints at over 1,000 hotels or for free flights on more than 350 airlines with no blackout dates. You can also transfer Starpoints to the frequent flyer program of an SPG airline partner. For every 20,000 points transferred within the same transaction, you get a bonus of 5,000 Starpoints.

Balance Transfers

Balance transfers do not apply to this card.

Rates

The Starwood Preferred Guest® Business Credit Card from American Express® OPEN offers a 2.9 percent APR on purchases for the first six months. After that, this card carries a 15.24 percent variable APR. Cash advances carry a 21.24 percent variable APR. There's a $65 annual fee, but it's waived for the first year.

Who Should Apply

Small business owners who frequently stay at Starwood hotels and who want to take advantage of the exceptional travel rewards program.

Credit Standing

You need to have at least a 750 credit score to qualify for this card.

Author

Beverly Harzog

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The Pros and Cons of Prepaid Cards

Prepaid cards offer the convenience of a credit card without the difficult approval process or risk of getting into debt. These cards work a lot like a gift card, you will have to load the account with cash (direct deposit is usually available) before you can use it for a purchase

Prepaid cards are not credit cards; you cannot spend more than the balance you have deposited and you will not be charged interest for your spending. The prepaid account will not be reported to the credit bureaus as a credit card.

Pros:
Cons:

Fees and charges can vary significantly between different prepaid credit card offers. Be sure to read the fee schedule for the prepaid credit card before you apply.


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