Note: American Express is a Frequent Miler advertiser. Please see our Advertiser Disclosure.
|Starwood Preferred Guest® Business Credit Card from American Express||$100 statement credit after $1,000 in purchases in the first 3 months + $100 statement credit after your first purchase at participating SPG and Marriott hotels.|
The Starwood Preferred Guest Business Credit Card from American Express may not seem like much on the surface. After all, the card offers only 1 point per dollar for spend, or 2 points per dollar at Starwood and Marriott properties. But, SPG points are worth far more than points in most other programs. Here are some examples of great uses of points:
- Book Starwood hotel nights for as little as 2,000 points per night.
- Convert SPG points to Marriott Rewards points at a 1 to 3 ratio. Each SPG point becomes 3 Marriott points!
- Convert SPG points to airline miles at a great ratio. 20,000 SPG points become 25,000 miles!
The card also offers the following perks:
- Get SPG Gold status with $30,000 calendar year spend
- Free Sheraton Club Lounge access at Sheraton properties!
- Free premium internet at SPG properties
- Unlimited Boingo Wifi
- No foreign transaction fees
Amex offers a nearly identical personal card, but without the Sheraton Club Lounge benefit. See: Starwood Preferred Guest Credit Card from American Express.
|Card / Notes||Bonus / Annual Fee|
| Starwood Preferred Guest® Business Credit Card from American Express|
Earning rate: 2X Starwood and Marriott Properties through July 31, 2018
Effective August 1, 2018: Earn 6x at Starwood and Marriott properties; 4x U.S. restaurants, U.S. gas stations, wireless telephone services purchased from U.S. suppliers and on U.S. purchases for shipping; Earn 2x everyhwere else
Big spend bonus: SPG Gold elite status with $30K annual spend
Noteworthy Perks: Transfer 20,000 points into miles and get a 5000 mile bonus.
Receive free premium internet at SPG properties, unlimited Boingo WiFi and Sheraton Club lounge access on qualified stays until August 1, 2018. Complimentary Sheraton Club lounge access will no longer be a benefit starting August 1, 2018.
|$100 statement credit after $1,000 in purchases in the first 3 months + $100 statement credit after your first purchase at participating SPG and Marriott hotels.
Annual fee waived first year, then $95
Terms Apply. See Rates & Fees
Recent better offer: 35K after $7K spend in first 3 months (Expired 3/28/18)
FM Mini Review: Extremely valuable points, but difficult to earn in large quantities except through signup bonus
Note: Many more excellent credit card offers, along with application tips for each bank, can be found on our Best Credit Card Offers Page.
|Applying for Business Credit Cards
Yes, you have a business: In order to sign up for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort.
When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.