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Advertiser Disclosure

Advertiser Disclosure: Some of the card offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products.

Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone. For a full list of our advertisers, see our disclosure page.

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, including American Express, see our disclosure page.

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

Image of Starwood Preferred Guest® Business Credit Card from American Express
98
"A fantastic travel rewards credit card offer for businesses spending at least $9,000 per year."

Contents

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 Starpoints you earn through the Starwood Preferred Guest® Business Credit Card from American Express can be primarily used to book hotel stays, which gives the card a rewards rate anywhere between 2.4% and 4.8% - 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 2.4% and 4.8% on each purchase)Companies than spend less than $18k annually on a credit card
Flexible redemption optionsBusinesses that seldom incur travel expenses

Be aware that Starwood was recently aquired by Marriott - this means that this card can be discontinued or its benefits can be devalued by late 2016.

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 Starpoints earned through this card, the cornerstone of its rewards program, can be used to book hotel rooms, as well as be turned into airline miles. Starpoints can be transferred to over 30 different airline frequent flyer programs – most at a favorable 1:1 ratio. 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. As long as you spend at least $4,320 annually on the card, you will break even on the annual fee. However, you need to spend at least $9,000 in order to come out ahead of cards with lower annual fees - such as the Capital One® Spark® Cash for Business. These numbers will be different if your company spends a lot of money on Starwood hotel stays. The math generally works as follows: divide the annual fee (or annual fee difference) by the difference in rewards rate. For example, the Starwood Preferred Guest® Business Credit Card from American Express has an annual fee that's $36 greater than the Capital One® Spark® Cash for Business. However, in non-hotel related spending, you will be earning 2.4% with every purchase on the Starwood Preferred Guest® Business Credit Card from American Express, as opposed to just 2% with the Capital One® Spark® Cash for Business. Therefore, we get that to make up the annual fee difference, one needs to spend at least $36 / (2.4% - 2%) = $9,000 annually. You can follow the same math to figure out how this breaks down for your businesses' specific hotel/non-hotel spending breakdown, or use our tool below to automatically figure that out for you.

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 with Starwood 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.

The last point worth mentioning is that the Starwood Preferred Guest® Business Credit Card from American Express is part of the Amex OPEN family of cards, and as such provides additional business-related features and savings. With OPEN Savings, for example, businesses can get 5% cash back or 2 Membership Rewards points per dollar when shopping at select vendors with their Starwood Preferred Guest® Business Credit Card from American Express - these include FedEx and Hertz. OPEN also provides benefits that can help with account management - things such as setting an credit card account manager, who can handle all the purchase tracking and spending done through the card.

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 Starwood properties receive 2 points for every $1 spent. Every other purchase other merchants earns 1 point per $1. This may seem low, when compared to the point-earning of other cards - however, Starpoints carry a significantly higher value than other rewards points. We estimate a single Starpoint to be worth approximately $0.022. This places the card’s rewards rate at anywhere between 2.4% and 4.8%, depending on how your spending breaks down.

Annual Fee $0 introductory annual fee for the first year, then $95
Purchase APR 16.24% - 20.24% Variable
Card Details
  • Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases at participating SPG® Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases.
  • Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights. Some hotels and resorts have mandatory service charges.
  • Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
  • Terms Apply
  • See Rates & Fees

For new accounts, there are 25,000 bonus Starpoints available. To qualify, cardholders must spend at least $5,000 in purchases within the first 3 months of account opening. By our estimates, this bonus is worth approximately $600, when used towards Starwood hotel stays. To qualify, purchases must be posted to the same account – that means, if you issue additional cards for your employees, any purchases they make will count towards the $5,000 requirement. Transactions such as balance transfers, cash advances, and fee payments do not count towards qualifying for the bonus.

Transferring Your Starpoints To Airlines

Other than using Starpoints to book hotel stays, they can also be transferred to a number of different partner frequent flyer programs. This will cause the value of your points to fluctuate, depending on the redemption you’re getting – we urge readers to make sure they are not walking away with a value of less than $0.02 per mile, otherwise they’ll be devaluing their points significantly.

**Airline** **Transfer Ratio** **Airline** **Transfer Ratio**
Aeromexico Club Premier 1:1 Etihad Airways 1:1
Aeroplan / Air Canada 1:1 Flying Blue 1:1
Air Berlin 1:1 Gol Smiles 2:1
Air China 1:1 Hainan Airlines 1:1
Air New Zealand & Air Points 65:1 Hawaiian Airlines 1:1
Alaska Airlines 1:1 Japan Airlines 1:1
Alitalia MilleMiglia 1:1 LAN Airlines 1:1.5
All Nippon Airways (ANA) 1:1 Miles and More (Lufthansa) 1:1
American Airlines AAdvantage 1:1 Qatar Airways 1:1
Asia Miles 1:1 Saidi Arabian Airlines 1:1
Asiana Airlines 1:1 Singapore Airlines 1:1
British Airways 1:1 Thai Airways International 1:1
China Eastern Airlines 1:1 US Airways 1:1
China Southern Airlines 1:1 United Mileage Plus 2:1
Delta Air Lines 1:1 Virgin Atlantic 1:1
Emirates Skywards 1:1 Virgin Australia 1:1

Whenever you transfer 20,000 Starpoints at once, you will receive a 5,000 mile bonus. For example, if you transfer 20,000 points to American Airlines miles, you will walk away with 25k AA miles. These are worth, approximately, $450, while 20k Starpoints would have a value of roughly $440 – therefore, in this case, the transfer would make you come out ahead.

Starwood Perks

Primary cardholders will also receive access to benefits such as complimentary premium in-room internet and access to Sheraton® Club Lounge. We specify “primary cardholders”, since these benefits are not extended to authorized users. That means if you issue additional credit cards to your employees, they will not be able to make use of these benefits.

Sheraton® Club Lounges: There are 350 Sheraton® Club Lounges throughout the world. They offer guests benefits, such as free WiFi, complimentary breakfasts, snacks, and drinks. These lounges are analogous to airport lounges, and are focused on delivering a luxury travel experience for Sheraton guests. We estimate the value of this benefit to be around $40 per night.

Internet Access: There are two ways in which Starwood can provide you with internet access - premium WiFi when staying in a hotel, and access through Boingo hotspots. The latter boasts 1 million different hot spot locations worldwide. Coverage differs depending on where in the world you are. Most Boingo Hot Spots are located in the United States, western Europe, and Asia. South America, Australia, and Africa are underserviced. Normally, to receive worldwide Boingo service would cost your business $39 per month.

American Express OPEN Benefits

The Starwood Preferred Guest® Business Credit Card from American Express is part of the Amex OPEN family of cards, and through that it gives access to more benefits and savings for your business – as long as you can take advantage of any of them.

The biggest opportunity presented through Amex OPEN is Savings. American Express has partnered with a number of different vendors, to give Starwood Preferred Guest® Business Credit Card from American Express cardholders opportunity to save an additional 5%. 

  • Hertz – also limited to a number of participating locations, that can be viewed on OPEN’s site.
  • FedEx – 5% discount available on shipping services, up to $20,000 per calendar year.
  • HP – you can get 5% cash back on each dollar spent at HP.com, up to $30,00 in purchases each calendar year.
  • 1800Flowers.com – unlimited savings of 5% on every $1 you spend through the site.
  • Barnes & Noble – the 5% discount here applies only to purchases at BN.com, not at retail stores.

Other benefits of American Express OPEN include the ability to set an account manager, automatically upload receipts through apps, and access to the OPEN forum. These are "nice-to-have" perks, that are difficult to quantify. Their usefulness will depend on how you run your business, and how much you value them.

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 card are only good whenever you redeem them for hotel stays or transfer them to airline miles. With the Spark® Cash, on the other hand, as soon as you reach the minimum redemption threshold ($25, $50, $100, or $200), you will receive statement credit towards your account. That helps with cash flow, even if by a small amount.

Businesses that spend more than $2,500 annually at Starwood Hotels, or more than $9,000 on other purchases should prefer the Starwood credit card. If your company doesn’t meet these thresholds, the Spark® Cash may be preferable due to its lower annual fee.

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

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.

The two cards have a comparable welcome bonus, but the Chase card's bonus value is easier to access and to calculate. If you spend $5,000 on purchases, within 3 months of account opening, you’ll receive 60,000 Ultimate Rewards points – a value of $750, when used toward travel rewards redeemed through Chase Ultimate Rewards®. For that same amount of spend, the Starwood Preferred Guest® Business Credit Card from American Express gives you a bonus of 25,000 Starpoints, which we estimate to be worth around $600.

Comparison Tool

If you are still unsure of the value this, or other credit cards can have for your business, you can use our interactive tool below. Simply fill in the your company’s estimated monthly budget, and we will calculate for you the estimated net rewards value, per card.

Edit Monthly Spend: $2,000
General:
Gas:
Groceries:
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Office:
Utilities:
Computing:
Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the Rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Bonus Value

The bonus field shows our estimate for the value of the card’s sign-up bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards Value is calculated by adding together the rewards earned from charging purchases to the card over two years and any sign-up bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Southwest Rapid Rewards® Premier Business Credit Card
Image of Southwest Rapid Rewards® Premier Business Credit Card $99 4.55%
$1,020
Get 60,000 points after you spend $3,000 on purchases in the first 3 months of opening your account.
$1,638
Graph Card More Details
Annual Fee $99
APR 16.74% - 23.74% Variable

Card Details

  • Get 60,000 points after you spend $3,000 on purchases in the first 3 months of opening your account
  • 2 points for every $1 spent on Southwest Airlines purchases
  • 2 points for every $1 spent on Rapid Rewards Hotel and Car Rental purchases
  • 1 point for every $1 spent otherwise
  • Flight change fees waived
  • Free bags - up to two per flight
  • Unlimited Reward seats
  • Points don't expire
  • No blackout dates
  • No Foreign Transaction fees

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.017 = $816
Bonuses
60,000 x $0.017 = $1,020
Less Annual Fees -$198
Total Net Estimated Rewards Through 24 Months 1,638
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
$95, waived for first 12 months* 3.79%
$810
Earn 60,000 bonus miles after you spend $3,000 in the first 3 months
$1,363
Graph Card Read Review More Details
Annual Fee $95, waived for first 12 months*
APR 16.74%-24.74% (Variable)

Card Details

  • Designed for businesses
  • Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines domestic flights*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases.*

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.014 = $648
Bonuses
60,000 x $0.014 = $810
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,363
Capital One® Spark® Cash for Business
$0 intro for first year; $59 after that 3.89%
$500
Earn a $500 bonus once you spend $4,500 on purchases in the first 3 months
$1,401
Graph Card Read Review More Details
Annual Fee $0 intro for first year; $59 after that
APR 17.99% (Variable)

Card Details

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $59 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 960 x $1 = $960
Bonuses
0 x $1 = $500
Less Annual Fees -$59
Total Net Estimated Rewards Through 24 Months 1,401
Capital One® Spark® Miles for Business
$0 intro for first year; $59 after that 3.89%
$500
Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months
$1,401
Graph Card More Details
Annual Fee $0 intro for first year; $59 after that
APR 17.99% (Variable)

Card Details

  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • There's no limit to the amount of miles you can earn
  • Redeem miles for travel, cash back, gift cards and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 96,000 x $0.01 = $960
Bonuses
50,000 x $0.01 = $500
Less Annual Fees -$59
Total Net Estimated Rewards Through 24 Months 1,401
Alaska Airlines Visa® Business Card
Image of Alaska Airlines Visa® Business Card $75 3.44%
$475
Earn 25,000 Bonus Miles after your first purchase
$1,237
Graph Card More Details
Annual Fee $75
APR 13.24%

Card Details

  • 3 miles per $1 spent on Alaska Airline tickets, vacation packages and cargo purchases made through Alaska Airlines
  • 1 mile per $1 spent on all other purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.019 = $912
Bonuses
25,000 x $0.019 = $475
Less Annual Fees -$150
Total Net Estimated Rewards Through 24 Months 1,237
United MileagePlus® Explorer Business card
Image of United MileagePlus® Explorer Business card $0 Intro Annual Fee for the first year then $95 3.80%
$600
$1,369
Graph Card More Details
Annual Fee $0 Intro Annual Fee for the first year then $95
APR 16.49% - 23.49% Variable

Card Details

  • 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open
  • 2 miles per $1 spent on business purchases in select categories, including restaurants, gas stations, and office supply stores
  • 2 miles per $1 spent on tickets purchased from United
  • 1 mile per $1 spent on all other purchases
  • The primary cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boardingEmployee cards at no additional cost
  • 10,000 bonus miles after you spend $25,000 on purchases on your card each calendar year
  • The primary cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.012 = $864
Bonuses
50,000 x $0.012 = $600
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,369
U.S. Bank FlexPerks® Business Edge™ Travel Rewards
$0 Intro Annual Fee for the first year then $55 4.19%
$340
Earn 20,000 bonus FlexPoints after the first $3,500 in net purchases within the first four months of account opening
$1,509
Graph Card More Details
Annual Fee $0 Intro Annual Fee for the first year then $55
APR 12.24% to 18.24% Variable

Card Details

  • One FlexPoint for every dollar in net purchases
  • Double FlexPoints on gas, office supplies or airline purchases, whichever you spend most on each monthly billing cycle
  • Double FlexPoints on most cell phone purchases, including monthly bills, accessories and Internet charges
  • Up to a $25 airline allowance with each airline award ticket to use on baggage fees, in-flight food or drinks and more
  • Up to 25% off and a free car rental day each year at National Car Rental®
  • Free Hideaways Life® Newsletter Membership
  • $55 Annual Fee credit every year you spend $24,000 or more in net purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.017 = $1,224
Bonuses
20,000 x $0.017 = $340
Less Annual Fees -$55
Total Net Estimated Rewards Through 24 Months 1,509
Club Carlson Business Rewards Visa Card
$60 3.01%
$315
Earn 50,000 Gold Points after your first purchase; Earn 35,000 points once you spend $2,500 on your card within the first 90 days
$1,083
Graph Card More Details
Annual Fee $60
APR 14.24% - 23.24% Variable

Card Details

  • Earn 50,000 Gold Points after your first purchase
  • Earn 35,000 points once you spend $2,500 on your card within the first 90 days
  • 10 points per $1 spent at Carlson Rezidor hotels
  • 5 points per $1 spent everywhere else
  • Automatic upgrade to Gold Elite Status
  • Cardmembers who've already reached Concierge Elite Status will receive 15 qualifying nights toward obtaining or maintaining Concierge Elite status
  • Redeem Gold Points towards free nights at Carlson Rezidor hotels, gift cards, prepaid cards, charitable initiatives, vacation savings, and exchanges for airline miles
  • Visa Signature concierge privileges
  • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases
  • Subject to credit approval

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240,000 x $0.004 = $888
Bonuses
50,000 x $0.004 = $185
35,000 x $0.004 = $130
Less Annual Fees -$120
Total Net Estimated Rewards Through 24 Months 1,083
WorldPoints® Travel Rewards for Business Visa® Card
Image of WorldPoints® Travel Rewards for Business Visa® Card No Annual Fee 2.84%
$160
5,000 bonus points after your first purchase; $100 statement credit bonus after making at least $500 in purchases in the first 60 days of your account opening
$1,024
Graph Card More Details
Annual Fee No Annual Fee
APR 11.24% to 21.24% Variable

Card Details

  • 3 rewards points per $1 spent for travel booked through Bank of America's Travel center
  • 1.5 rewards points per $1 spent on all other purchases
  • No annual fee
  • 0% Introductory APR for 9 billing cycles from account opening

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.012 = $864
Bonuses
5,000 x $0.012 = $60
0 x $0.012 = $100
Total Net Estimated Rewards Through 24 Months 1,024
Starwood Preferred Guest® Business Credit Card from American Express
$0 introductory annual fee for the first year, then $95 2.94%
$0
For the first time, earn 2 free nights at participating SPG(R) Category 1-5 hotels & resorts worldwide after you use your new Card to make $5,000 in purchases within the first 3 months.
$1,057
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0 introductory annual fee for the first year, then $95
APR 16.24% - 20.24% Variable
*Rates and Fees

Card Details

  • Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases at participating SPG® Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases.
  • Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights. Some hotels and resorts have mandatory service charges.
  • Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
  • Terms Apply
  • See Rates & Fees

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.024 = $1,152
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,057
Capital One® Spark® Miles Select for Business
$0 2.56%
$200
One time bonus of 20,000 miles once you spend $3,000 in the first 3 months
$920
Graph Card More Details
Annual Fee $0
APR 13.99% - 21.99% (Variable)

Card Details

  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases for 9 months; 13.99%-21.99% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn
  • Fly on any airline, anytime, with no blackout dates or seat restrictions

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.01 = $720
Bonuses
20,000 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 920
Capital One® Spark® Cash Select for Business
$0 2.56%
$200
One time bonus of $200 one you spend $3,000 in the first 3 months
$920
Graph Card More Details
Annual Fee $0
APR 13.99% - 21.99% (Variable)

Card Details

  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 13.99%-21.99% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 720 x $1 = $720
Bonuses
0 x $1 = $200
Total Net Estimated Rewards Through 24 Months 920
Ink Business Cash℠ Credit Card
$0 4.83%
$300
Earn $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening.
$1,740
Graph Card Read Review More Details
Annual Fee $0
APR 14.24% - 20.24% Variable

Card Details

  • Earn $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening
  • Named "A Great Card for Small Businesses" – Kiplinger's Personal Finance, September 2016
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV 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
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 1,440 x $1 = $1,440
Bonuses
0 x $1 = $300
Total Net Estimated Rewards Through 24 Months 1,740
Bank of America® Business Advantage Cash Rewards Mastercard® credit card
Image of Bank of America® Business Advantage Cash Rewards Mastercard® credit card No Annual Fee 3.22%
$200
$200 statement credit bonus after making at least $500 in purchases in the first 60 days of your account opening
$1,160
Graph Card More Details
Annual Fee No Annual Fee
APR 12.24% - 22.24% Variable

Card Details

  • 3% on purchases at gas stations and office supply stores (up to $250,000 in gas stations and office supply store purchases annually, 1% after that)
  • 2% on purchases at restaurants
  • 1% cash back on all other purchases
  • No annual fee
  • 0% introductory APR on purchases for the first 9 billing cycles

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 96,000 x $0.01 = $960
Bonuses
0 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 1,160
Marriott Rewards® Premier Business Credit Card
Image of  Marriott Rewards® Premier Business Credit Card $99 1.98%
$480
80,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
$714
Graph Card More Details
Annual Fee $99
APR 16.49% - 23.49% Variable

Card Details

  • 80,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
  • 5 points for every $1 spent at over 5,700 participating Marriott Rewards® and SPG® hotels.
  • 2 points for every $1 spent on airline tickets purchased directly with the airline, and at car rental agencies, restaurants, office supply stores, and for internet, cable and phone services purchases.
  • 1 point for every $1 you spend on all other purchases and your points don't expire as long as you make purchases on your credit card every 24 months.
  • Marriott Rewards Gold Elite benefits when you spend $50,000 on purchases each account year.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.006 = $432
Bonuses
80,000 x $0.006 = $480
Less Annual Fees -$198
Total Net Estimated Rewards Through 24 Months 714
SimplyCash® Plus Business Credit Card from American Express
$0 4.56%
$200
Earn a one-time $200 statement credit after you spend $5,000 or more in qualifying purchases on your Card within the first 6 months of Card Membership. Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
$1,640
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0
APR 13.24% - 20.24% Variable
*Rates and Fees

Card Details

  • Special Offer: Earn up to $400 cash back
  • Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
  • Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
  • No Annual Fee. Plus, more buying power and more cash back. Get cash back on business purchases, even those above your credit limit.
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back received is automatically credited to your statement.
  • Terms and limitations apply
  • See Rates & Fees

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 1,440 x $1 = $1,440
Bonuses
0 x $1 = $200
Total Net Estimated Rewards Through 24 Months 1,640
The Hawaiian Airlines® Business MasterCard®
Image of The Hawaiian Airlines® Business MasterCard® $89 1.81%
$350
Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days
$652
Graph Card More Details
Annual Fee $89
APR 15.99%, 19.99% or 24.99% Variable

Card Details

  • Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days
  • Earn 2 miles for every $1 spent on Haiwaiian Airlines
  • Earn $1 for every $1 spent on all other purchases
  • Get $100 off a companion ticket for roundtrip coach travel between Hawaii and North America at each account anniversary
  • Earn 5,000 annual bonus miles after spending $10,000 or more in purchases by your account anniversary

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Bonuses
35,000 x $0.01 = $350
Less Annual Fees -$178
Total Net Estimated Rewards Through 24 Months 652
Asiana Visa® Business Card
Image of Asiana Visa® Business Card $80 1.81%
$140
10,000 bonus miles after your first purchase
$652
Graph Card More Details
Annual Fee $80
APR 13.24%

Card Details

  • 2 miles per $1 spent on purchases from Asiana Airlines
  • 1 mile per $1 everywhere else

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.014 = $672
Bonuses
10,000 x $0.014 = $140
Less Annual Fees -$160
Total Net Estimated Rewards Through 24 Months 652
CitiBusiness ThankYou® Credit Card
Image of CitiBusiness ThankYou® Credit Card No Annual Fee 1.75%
$150
Earn 15,000 bonus ThankYou points after you spend $3,000 in the first 3 months
$630
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24%

Card Details

  • Earn 15,000 bonus ThankYou points after you spend $3,000 in the first 3 months
  • Earn 3 ThankYou points for every dollar spent on purchases in quaterly rotating business categories
  • Earn 1 ThankYou Points for every $1 spent on other purchases
  • Unlimited points with no expiration
  • 24/7 customer service
  • Accident Insurance
  • Car Rental Insurance
  • Purchase Protection up to $10,000

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Bonuses
15,000 x $0.01 = $150
Total Net Estimated Rewards Through 24 Months 630
U.S. Bank Business Edge™ Select Rewards Card
Image of U.S. Bank Business Edge™ Select Rewards Card $0* 1.61%
$100
Earn 10,000 bonus points after you spend $500 during the first 90 days after opening your account
$580
Graph Card More Details
Annual Fee $0*
APR 10.74% - 18.74%* (Variable)

Card Details

  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Bonuses
10,000 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 580
Business Preferred World MasterCard®
Image of Business Preferred World MasterCard® $0 Intro Annual Fee for the first year then $125 1.59%
$120
10,000 bonus points after the first purchase
$571
Graph Card More Details
Annual Fee $0 Intro Annual Fee for the first year then $125
APR

Card Details

  • 1 rewards point per $1 on all purchases
  • Double rewards points on airline and hotel purchases for the first 12 months from account opening
  • 10,000 anniversary points each year
  • Double rewards points and hotel purchases for the first 12 months from account opening
  • Charge card
  • No preset spending limit

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.012 = $576
Bonuses
10,000 x $0.012 = $120
Less Annual Fees -$125
Total Net Estimated Rewards Through 24 Months 571
U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®
Image of U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® $0* 2.67%
$0
$960
Graph Card More Details
Annual Fee $0*
APR 12.74% - 18.74%* (Variable)

Card Details

  • Earn a new cardmember bonus of $150 after you spend $500 in net purchases on your card within the first 90 days of account opening.
  • 3% cash back on all cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
  • No cap on total rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee*
  • Net purchases are purchases minus credits and returns

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 960 x $1 = $960
Total Net Estimated Rewards Through 24 Months 960
Blue Business℠ Plus Credit Card
$0 1.33%
$0
$480
Graph Card More Details

Terms and Limitations Apply

Annual Fee $0
APR 12.24% - 20.24% Variable
*Rates and Fees

Card Details

  • Get rewarded for business as usual. Earn 2X points on everyday business purchases such as office supplies or client dinners.
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • More buying power for your business* means more opportunities to earn points. That's everyday business with the new Blue Business Plus Card.
  • *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.
  • 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.24%, 16.24% or 20.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Total Net Estimated Rewards Through 24 Months 480
Capital One® Spark® Classic for Business
$0 1.33%
$0
$480
Graph Card More Details
Annual Fee $0
APR 23.99% (Variable)

Card Details

  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 480 x $1 = $480
Total Net Estimated Rewards Through 24 Months 480
Business Green Rewards Card from American Express OPEN
$0 introductory annual fee for the first year, then $95 1.21%
$50
5,000 points after your first purchase
$435
Graph Card More Details

Terms and Limitations Apply

Annual Fee $0 introductory annual fee for the first year, then $95
APR N/A
*Rates and Fees

Card Details

  • Earn 5,000 Membership Rewards® points after your first purchase on the Card
  • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • $0 introductory annual fee for the first year, then $95
  • Terms & Limitations Apply
  • See Rates & Fees

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Bonuses
5,000 x $0.01 = $50
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 435
Spirit Airlines World MasterCard® for Business Credit Card
Image of Spirit Airlines World MasterCard® for Business Credit Card $79 1.27%
$75
15,000 bonus miles after the first purchase
$456
Graph Card More Details
Annual Fee $79
APR 12.99% to 22.99% Variable

Card Details

  • 2 miles for every dollar you spend on purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 96,000 x $0.005 = $480
Bonuses
15,000 x $0.005 = $75
Less Annual Fees -$99
Total Net Estimated Rewards Through 24 Months 456
Business Secured Credit Card
$0 Intro Annual Fee for the first year then $25 1.26%
$0
$455
Graph Card More Details
Annual Fee $0 Intro Annual Fee for the first year then $25
APR 10.24%

Card Details

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 480 x $1 = $480
Less Annual Fees -$25
Total Net Estimated Rewards Through 24 Months 455
Business Secured Visa® Credit Card
$0 Intro Annual Fee for the first year then $40 1.22%
$0
$440
Graph Card More Details
Annual Fee $0 Intro Annual Fee for the first year then $40
APR 16.49%

Card Details

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 480 x $1 = $480
Less Annual Fees -$40
Total Net Estimated Rewards Through 24 Months 440
Ink Business Preferred℠ Credit Card
$95 1.14%
$0
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening
$410
Graph Card Read Review More Details
Annual Fee $95
APR 16.99% - 21.99% Variable

Card Details

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.013 = $600
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 410
The Plum Card® from American Express OPEN
$0 introductory annual fee your first year, then $250 1.31%
$0
$470
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0 introductory annual fee your first year, then $250
APR N/A
*Rates and Fees

Card Details

  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • Unlock new opportunities with a spending limit that can grow with your business.
  • Additional Employee Cards at no annual fee — and an early pay discount on employee spending.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply. See Rates & Fees

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.01 = $720
Less Annual Fees -$250
Total Net Estimated Rewards Through 24 Months 470
The Business Gold Rewards Card from American Express OPEN
$0 introductory annual fee for the first year, then $175 0.98%
$0
Special Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
$353
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0 introductory annual fee for the first year, then $175
APR N/A
*Rates and Fees

Card Details

  • Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply
  • See Rates & Fees

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 52,800 x $0.01 = $528
Less Annual Fees -$175
Total Net Estimated Rewards Through 24 Months 353
Platinum Visa® Business Credit Card
No Annual Fee 0.28%
$100
$100 statement credit bonus after making at least $500 in purchases in the first 60 days of your account opening
$100
Graph Card More Details
Annual Fee No Annual Fee
APR 92.4% to 20.24% Variable

Card Details

  • No annual fee
  • 0% Introductory APR on purchases for 7 billing cycles

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Bonuses
0 - $100
Total Net Estimated Rewards Through 24 Months 100
Business Edge™ Platinum
Image of Business Edge™ Platinum $0* 0.00%
$0
$0
Graph Card More Details
Annual Fee $0*
APR 10.74% - 18.74%* (Variable)

Card Details

  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0
The Business Platinum® Card from American Express OPEN
$450 -1.17%
$0
Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
$-420
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $450
APR N/A
*Rates and Fees

Card Details

  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • New: Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 11/2016
  • Terms Apply

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Less Annual Fees -$900
Total Net Estimated Rewards Through 24 Months -420

Comments and Questions

* 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.

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.

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