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Starwood Preferred Guest® Business Credit Card: Is It A Good Value?

Starwood Preferred Guest® Business Credit Card: Is It A Good Value?

A fantastic travel rewards credit card offer for businesses.
Editor's Rating: 5.0/5.0

Editor's Rating

5.0/5.0

The Starwood Preferred Guest® Business Credit Card from American Express – like its non-business counterpart – is one of the best rewards credit cards available. If your business involves a substantial amount of travel, this card can be both a big point earner, and a good source of free travel. The points you earn through the Starwood Preferred Guest® Business Credit Card from American Express can be primarily used to book hotel stays, and the card has a rewards rate anywhere between 1.8% and 5.4%, based on our estimated point value of $0.009 multiplied by the points earned – this is higher than most other credit card offers out there. Other redemptions, such as airline transfers, also exist. This combination of high rewards rate and redemption flexibility makes the Starwood Preferred Guest® Business Credit Card from American Express well suited for most small businesses that engage in travel.

Good For…Bad For…
Earning high rewards (between 1.8% and 5.4%)Businesses that book hotel stays across a variety of chains with no aim towards loyalty.
Flexible redemption optionsBusinesses that seldom incur travel expenses

Review: Is The Starwood Preferred Guest® Business Credit Card from American Express A Good Investment?

There's no arguing that the Starwood Preferred Guest® Business Credit Card from American Express holds a lot of potential value; whether it's a good investment comes down to how much of that value your business can access. The points earned with this card can be used to book hotel rooms, as well as be turned into airline miles. If either of these appeals to you, the Starwood Preferred Guest® Business Credit Card from American Express may be the right choice for your company.

Whether or not this card is a worth the $95 annual fee comes down to how many of your businesses' expenses can be charged to it. Given that the card comes with a free night award (after your card account anniversary), your company will break even on the fee provided that you're able to make use of the free night every year. If you're not able to break even on the fee with the free night award, you should ask yourself whether your business will spend enough on the card to earn enough rewards to offset the fee.

Another noteworthy feature of the Starwood Preferred Guest® Business Credit Card from American Express is the access it provides to WiFi on the go. Firstly, primary account holders will be given complimentary premium in-room WiFi when staying at SPG and Marriott hotels. Also, having the card comes with free membership to Boingo Wifi - a service that provides WiFi through a variety of hotspots all throughout the world. Being a business traveller, having access to e-mail and the web is often crucial - which makes this perk especially helpful.

Bottom Line: Business owners who find themselves having to travel, at least once per year, are likely to find the Starwood Preferred Guest® Business Credit Card from American Express to be a good investment. Between the high rewards rate on general spending, and the ability to transfer rewards points to airline miles, there is a lot of good value here. This is one of the best travel credit cards for business owners.

Starwood Preferred Guest® Business Credit Card from American Express Card Benefits & Features

Businesses which use the Starwood Preferred Guest® Business Credit Card from American Express to pay for stays at SPG and Marriott Rewards properties receive 6 points for every $1 spent. Furthermore, cardholders get 4 points for every dollar spent at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. Users get 2 points on all other eligible purchases. The card's rewards rate will hover between 1.8% and 5.4%.

Starwood Preferred Guest® Business Credit Card from American Express
Annual Fee
$0 introductory annual fee for the first year, then $95
Purchase APR
17.74% - 26.74% Variable
Credit Needed Excellent Credit
Details
  • Earn 75,000 bonus points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
  • Earn 6 points for each dollar of eligible purchases at over 6,700 participating SPG® and Marriott Rewards® hotels across 29 brands.
  • Earn 4 points at U.S. restaurants, U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping. Earn 2 points for all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary (redemption level at or under 35,000 points) at a participating hotel. Select hotels have resort fees.
  • Enjoy complimentary Silver Elite status with your Card.
  • Plus, earn Gold Elite status after spending $30,000 or more in eligible purchases on your Card in a calendar year. Note: effective January 1, 2019, the spend threshold will increase to $35,000.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
  • Terms Apply
  • See Rates & Fees

The card currently boasts a 75,000 welcome bonus, provided you make at least $3,000 in purchases within the first three months of card membership. Transactions such as balance transfers, cash advances, and fee payments do not count towards qualifying for the bonus.

How Does the Starwood Preferred Guest® Business Credit Card from American Express Compare to Other Credit Cards?

To better assess the value of the Starwood Preferred Guest® Business Credit Card from American Express, we took at a look at how it preforms when matched against some competing business credit cards.

Starwood Preferred Guest® Business Credit Card from American Express vs Capital One® Spark® Cash for Business

The Capital One® Spark® Cash for Business doesn’t quite reach the same rewards earning potential that the Starwood Preferred Guest® Business Credit Card from American Express does. Because it is a cash back credit card, however, the rewards your business earns through it are a lot more flexible. The rewards you earn with the Starwood Preferred Guest® Business Credit Card from American Express are only good whenever you redeem them for hotel stays or transfer them to airline miles. With the Capital One® Spark® Cash for Business, on the other hand you will receive statement credit towards your account. That helps with cash flow, even if by a small amount.

Starwood Preferred Guest® Business Credit Card from American Express vs Ink Plus® Business Credit Card

Ink Plus® Business Credit Card
This card is not available through ValuePenguin.

The Ink Plus® Business Credit Card is one of the best business credit cards, for companies with non-travel expenses. It earns users 5 Ultimate Rewards points per $1, on the first $50,000 spent in combined purchases at office supply stores, cellular phone, landline, internet and cable TV services. Using the card at gas stations to to pay for hotel accommodations will net you 2 points per $1, on up to the first $50k in combined spending. The Ultimate Rewards points this card earns you can be used to book travel, transferred to various hotel and airline partners, or redeemed for cash back. If you’re willing to sacrifice a little bit of value, you get to walk away with a lot more options.

Comments and Questions

Opinions, analyses, reviews, or recommendations expressed here are the author's alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer's Affiliate Program. For a full list of our advertisers see our disclosure page

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Info about the following cards: Premier Rewards Gold Card from American Express, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Amex EveryDay® Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, Starwood Preferred Guest® American Express Luxury Card, and Amazon Business American Express Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred® Card points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).