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Credit Card Reviews » Starwood Preferred Guest® Business Credit Card from American Express® |
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Starwood Preferred Guest Business Credit Card from American Express
Are you a business owner? Do you have good credit? Do you often travel or have employees who travel and frequent resorts and hotels operated by Starwood? If so, you should be taking advantage of the Starwood Preferred Guest business credit card from American Express. By using this credit card, you can reap the benefits and take advantage of the many services that are offered with this credit card.
One such benefit is the excellent reward plan offered by the Starwood Preferred Guest business credit card. You earn various points for particular purchases that can be used towards airline travel, free hotel stays, and various other travel related services. For each dollar you spend using the credit card, you will earn one point. However, for qualifying purchases at participating retail stores and Starwood properties, you will earn double points.
Provided that you keep the account active, your earned points will never expire. Additionally, the first time you use the credit card for a purchase, you will receive a bonus of 10,000 points. These bonus points add up to a free three nights stay at Starwood properties right off the bat. As if these rewards were not enough, wait until you hear one of the most exciting benefits of being a Starwood Preferred Guest business credit card holder.
If you belong to frequent flyer clubs and programs, this benefit will excite you. You have the ability to apply your rewards and points to those programs if they qualify. What is more, when you do initiate a transfer, you are actually rewarded points for doing so. You will receive a bonus of 5,000 miles for every 20,000 points you transfer into miles.
Of course, rewards are not the only benefit you receive from the Starwood Preferred Guest business credit card. You will also receive a host of other excellent benefits. Some other benefits include emergency services, travel services, and card replacement in an emergency. You will also have access to what is called the Open Savings Network. This provides you with excellent discounts on a variety of services and products offered by various participating retailers and merchants.
The downside of this credit card is that it comes with a high rate of interest on purchases. You do get to enjoy a six month introductory period that applies to both balance transfers and purchases. The card carries a $30 annual fee, however, after one year as a cardholder, this fee is waived.
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2.90% Intro APR on Purchases, Balance Transfers for 6 months
14.99% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances |
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20 days Grace Period |
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| (* The introductory rate is only available on balance transfers submitted during the application.) |
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| Finance Configuration: Average daily balance (including new purchases). |
| Additional Cardholders: $0 |
| Late Payment Fee: Subject to applicable law, $19 on balances less than $400 and $38 on balances $400 or greater. |
| Over-The-Limit Fee: $35 |
| Cash Advance Fee: 3% of each transaction with $5.00 minimum and no maximum. |
| Balance Transfer Fee: There is no balance transfer transaction fee associated with this offer. However, future balance transfers may incur a fee as disclosed at the time of the applicable offer or transaction. |
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| Minimum Credit Limit: n/a |
| Maximum Credit Limit: n/a |
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| Type of Reward: Point |
| Points per Dollar: 1.00 |
| Additional Points: Earn double Starpoints at participating Starwood hotels and resorts.Redeem Starpoints at over 825 participating Starwood hotels with no blackout dates. |
| Bonus Points First Purchase: 10,000 Points |
| Bonus Points Balance Transfers: 5,000 Miles**** |
| Bonus Points Other: Earn 5,000 bonus Starpoints when you transfer 20,000 Starpoints to miles. |
| Point Details: ***Earn 10,000 bonus points with the first purchase, which is enough for up to 3 free nights. ****Earn 5,000 bonus miles for transferring 20,000 Starpoints to miles. |
| Expiration: 1 Year (Points do not expire as long as the account is active within a 1-year period.) |
| Yearly Limit: None |
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| Additional Features for Starwood Preferred Guest® Business Credit Card from American Express®: |
Various Internet account related services.
No liability for unauthorized Internet transactions.
Access to the OPEN Savings Network.
Discounts on products and services at participating merchants and retailers.
Cardholder is upgraded to Gold Preferred status when their spending is $30,000 in a calendar year.
Emergency card replacement.
Emergency cash replacement.
Various travel and emergency assistance services.
See website for additional benefits. |
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| Important Notes for Starwood Preferred Guest® Business Credit Card from American Express®: |
Card is currently unavailable to residents of Puerto Rico.
See website for complete terms and conditions of card usage and application disclosure. |
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| Notes: The review on Starwood Preferred Guest® Business Credit Card from American Express® was updated on May 12, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application. |
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