| Starwood Preferred Guest® Business Credit Card from American Express® |
| Written by renxue |
| April 23, 2008 16:05 |
|
Starwood Preferred Guest® Business Credit Card from American Express® Issued by American Express. CREDIT CARD REVIEW
 | This review was last updated on 1/10/2008 12:00:00 AM | Overall Rating: 4.0
Ratings are on a scale of 1 to 5 based on customers who successfully applied for this card. | | The Starwood Preferred Guest® Business Credit Card from American Express® is designed for business owners with good credit who frequently stay at Starwood hotels and resorts and plan to take advantage of the various benefits and services that are provided. In reference to the reward program, one point is earned for every dollar spent on the card and double points are earned at participating Starwood properties and retail outlets. Points can be redeemed for various travel services, such as free hotel stays and airline travel. Cardholders also earn 10,000 bonus points after their first purchase, which is enough for up to three free nights. Points do not expire as long as the account is active within a one-year period. Perhaps what is most impressive about the program is the fact that cardholders can transfer earned points to a variety of frequent flyer programs. Aside from the reward program, the card does offer a variety of benefits such as emergency card replacement and various travel and emergency assistance services. Cardholders will also receive access to the OPEN Savings Network for discounts on products and services at participating merchants and retailers. The interest rate for purchases is considered high, but there is a low introductory rate for purchases and balance transfers for the first six months. There is an annual fee of $45. Therefore, those who can afford to pay in full each month after the introductory rate expires (to avoid finance charges) and frequently stay at Starwood hotels and resorts (to earn additional points) will benefit most from what the Starwood Preferred Guest® Business Credit Card from American Express® has to offer. | | |
REWARD PROGRAM INFORMATION
 | Type Of Rewards: Point | Reward Program Optional: No
Optional programs may have a fee. See Terms and Conditions for details. | | | | For Cards with Rebates Incentives | | Lowest Possible Rebate: n/app | | Highest Possible Rebate: n/app | | Additional Rebates: n/app | | Rebate Details: n/app | | | | For Cards with Points Incentives | | Points Per Dollar Spent: 1 Point | | Additional Points: Cardholders earn double points for stays at participating Starwood hotels and resorts and purchases made at select Starwood retail outlets. | | Point Details: Starpoints can be redeemed at over 825 participating Starwood hotels and resorts in 95 countries with no blackout dates, and they can be transferred to over 30 major airlines. | | | | For Cards with Miles Incentives | | Miles Per Dollar Spent: n/app | | Additional Miles: n/app | | Program Details: n/app | | | Rewards Expiration Period: 1 Year (Points do not expire as long as the account is active within a 1-year period.)
This period applies to all rebate, point and reward programs. | | Annual Limit: None | | |
ADDITIONAL PERKS
 | 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. |
BASIC INFORMATION
 | Introductory Rate: 2.9% APR for 6 Months | | Rate Applied To: Purchases, Balance Transfers | | Additional Details: The introductory rate is only available on balance transfers submitted during the application. | | Regular APR: 17.49% | Variable or Fixed: Variable
Variable APR's are based on the Prime Rate. | | Annual Fee: $45** | | Annual Fee Details: **The annual fee will be waived for the first year. Thereafter, the fee is $45. | | Application Fee: n/app | | Participation Fee: n/app | | Reload Fee: n/app | | Inactive Fee: n/app | | Total First Year Fees: n/app | | Type Of Rewards: Point | | Be sure to read the card's Terms and Conditions for more details. |
Special Notations:
Card is currently unavailable to residents of Puerto Rico. See website for complete terms and conditions of card usage and application disclosure.
Always read the credit card's Terms and Conditions before applying! |
|
|
|