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Details

Credit Card

  • Option to carry a balance each month with interest
  • 15.24%,17.24% or 19.24% APR on purchases

Starwood Preferred Guest

  • 2 Starpointsfor each dollar you spend on eligible purchases charged directly with hotels and resorts participating in the SPG® program
  • 1 Starpoint for each dollar you spend on eligible purchases

Annual Fee

$65

Includes:
  • $0 introductory annual fee for the first year, then $65
  • Receive credit for 5 nights and 2 stays towards SPG elite status each year
  • $0 annual fee for each Additional Starwood Preferred Guest Business Credit Card
  • Additional Starwood Preferred Guest Business Credit Cards can earn Starpoints at the same rate
WELCOME OFFER

Earn 10,000 Starpoints® after your first purchase on the Card and another 15,000 after you spend $5,000 in purchases on the Card within the first 6 months of Card Membership.

Good For

  • Accelerating SPG Gold Status

    Get automatically upgraded to Gold Status after you spend $30,000 in a calendar year.

  • Award Nights

    Earn additional Starpoints® on top of those you earn for being an SPG member. More Starpoints mean more Award Nights at Starwood® properties.

  • Free Flights with SPG Flights

    Redeem Starpoints® for free flights on over 150 airlines with SPG Flights with no blackout dates.

  • Rewards

    Get even more Starpoints®

    A Card that can help your business earn free flights? That's rewarding. Earn up to 5 Starpoints for each dollar of eligible purchases charged directly with hotels and resorts participating in the Starwood Preferred Guest® program - that's 2 Starpoints for which you may be eligible as a Card Member in addition to the 2 or 3 Starpoints for which you may be eligible as an SPG member.

    Plus, you can also get Additional Cards for employees with no annual fee, and earn points at the same rate for every eligible purchase charged.

    Redeem for Free Nights*

    Redeem Starpoints at over 1,100 hotels and resorts in nearly 100 countries with no blackout dates:

    2,000 - 3,000 points1 free night at Category 1 properties3,000 - 4,000 points1 free night at Category 2 properties7,000 points1 free night at Category 3 properties10,000 points1 free night at Category 4 properties12,000 - 16,000 points1 free night at Category 5 properties20,000 - 25,000 points1 free night at Category 6 properties30,000 - 35,000 points1 free night at Category 7 properties

    *Some hotels may have additional mandatory service and resort charges.

    Travel benefits image

    No Blackout Dates

    Redeem Starpoints for free nights at over 1,100 hotels & resorts in nearly 100 countries and for free flights on over 150 airlines with SPG Flights - all with no blackout dates. Some hotels may have mandatory service and resort charges.

    Transfer Points for Flights

    Transfer points to over 30 airline programs and get 5,000 Bonus Starpoints when you transfer 20,000 Starpoints to a frequent flyer program. Most transfers are made on a 1-to-1 basis.

    Redeem Points for Gift Cards

    You don’t have to use Starpoints for travel - you can offset other business costs by redeeming points for gift cards. Just 5,000 Starpoints can get you up to a $50 gift card at select retail and entertainment merchants.

    Reach SPG Gold Status Faster

    Get an automatic upgrade to Gold Status after you spend $30,000 in a calendar year. SPG Gold status comes with a 50% point bonus, room upgrades, and guaranteed late checkout.

    OPEN Savings

    Boost the savings you get from the Starwood Preferred Guest Business Credit Card with the built-in OPEN Savings benefit. It’s designed to automatically give you up to a 10% discount credited to your statement when you use your Card for eligible purchases with OPEN Savings partners including FedEx, Hertz®, and more. Discounts will be applied in the form of a statement credit.

  • Access to Benefits

    Travel benefits image

    Purchase Protection

    When an American Express Card Member charges a covered purchase with their Card account, Purchase Protection can help protect your purchases for up to 90 days from the date of purchase if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.

    Car Rental Loss and Damage Insurance

    When you use your eligible Card to reserve and pay for the entire eligible auto rental and decline the collision damage waiver at the rental car counter, you can be covered if the car is damaged or stolen. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is available only within the United States, its territories, and possessions. This product provides secondary coverage and does not include liability coverage.

    Baggage Insurance Plan

    Travel more comfortably knowing you can be covered by the Baggage Insurance Plan when you purchase the entire fare for a Common Carrier ticket (e.g. plane, train, ship, helicopter, or bus) on your eligible Card. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.

    Global Assist® Hotline

    When you travel more than 100 miles from home, you have 24/7 access to medical, legal, financial or other select emergency coordination and assistance services, including medical and legal referrals, assistance with cash wires, passport replacement, missing luggage and more. Card Members are responsible for the costs charged by third-party service providers.

    Roadside Assistance Hotline

    Your car breaks down or blows a tire and you're stranded. Now what? Luckily you're a Card Member. Call the number on the back of your Card for Roadside Assistance Hotline. Coordination and assistance with obtaining emergency services like towing, changing a flat, or boosting a battery are a phone call away and you can use your Card to pay. And soon you'll be on your way. Third-party service costs are your responsibility. There are some vehicle exclusions and other important restrictions.

    Travel Accident Insurance

    Worry less about the unthinkable happening to you on your Covered Trip. If an accident causes your Death, membership can provide added financial security to your beneficiaries. Travel Accident Insurance can cover travel by plane, train, ship, bus, or helicopter when you purchase the entire fare** on your eligible Card. Please read important exclusions and restrictions.

    Extended Warranty

    When an American Express Card Member charges a covered product with his or her Card account Extended Warranty can provide up to one extra year added to the original U.S. manufacturer's warranty. Applies to warranties of 5 years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.

  • Benefits with Every Business Card from American Express OPEN

    Dispute Resolution

    We begin investigating any unauthorized charge as soon as you make us aware of it, and you are not responsible for paying the charge until your case is resolved.

    ReceiptMatchSM

    Simplify the way you manage receipts with ReceiptMatchSM. This feature of Business Cards from American Express OPEN digitally matches and stores images of your receipts to your online statement. Use ReceiptMatch to help your business spend less time sorting receipts, manage expenses as you go, and stay organized.

    Account Alerts

    Set up Alerts so you can avoid late payments, be notified of irregular activity, or monitor Employee Card spending and more.

    Authorized Access

    Appoint one of your associates to help manage your account, choosing from two levels of access that are tailored to your needs.

    Online Statements

    View your purchase history, prepare reports to invoice customers, and budget your expenses.

    Mobile and Tablet Apps

    Pay your bill, check your balance, view your benefits, and more from your mobile phone and tablet. Our apps make it easier to manage your Card account whenever it’s convenient for you.

    American Express Open benefits

    OPEN Forum®

    OPEN Forum is an online community for small business owners to exchange experiences, advice, tools and tips to inspire each other to take action and succeed.