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Starwood Preferred Guest® Business Credit Card from American Express OPEN

If you are a business owner who travels a great deal, you should most definitely consider the Starwood Preferred Guest® Business Credit Card from American Express OPEN. Not only does this card provide users with a travel and hotels reward program like no other, it also currently offers a very low introductory annual percentage rate for your first six months of use.

Card Benefits

At the time this review was written, we found several great benefits with the Starwood Preferred Guest Business Credit Card. These benefits included:

  • 24/7 emergency assistance via the Global Assist Hotline;
  • Travel accident insurance;
  • Three to ten percent discounts on business expenses with OPEN Savings partners,
  • Management tools that allow cardholders to download spending data to create customized expense reports.

Card Rewards

We particularly liked the fact that this card accumulates 10,000 Starpoints after you make your first purchase, which are enough points to allow for a one night free stay at a Category 4 rated hotel. By spending $15,000 in the first six months, another 15,000 points can be earned. This number of points can yield a stay for two nights at a Category 5 hotel. An additional Starpoint can be earned for every dollar that is spent on eligible purchases. As many as four Starpoints for every dollar spent at Starwood Preferred Guest hotels can be accumulated, and five Stapoints for every dollar spent can be accumulated once cardholders reach Gold or Platinum levels of the Starwood Preferred Guest Elite Status.

We also liked the fact that as of now, Starpoints can be redeemed at more than one thousand hotels, as well as for free flights on more than three hundred and fifty airlines, with no blackout dates currently. Starpoints can also be transferred to Starwood Preferred Guest frequent flier programs with participating airline partners. Currently, every 20,000 transferred points in one transaction earn an additional 5,000 Starpoints as well.

Card Rates

Rates are always subject to change at any time; however, currently the Starwood Preferred Guest® Business Credit Card from American Express OPEN is offering very low annual percentage rates for the first six months. After this introductory period, the card does switch to a higher variable rate. There is also an annual fee of $65.00, but it is waived for the first year of use.

Other Important Information

  • Balance transfers cannot be applied to this card at this time;
  • Applicants should have an excellent credit rating, and at least a credit score of 750 to apply.

Any small business owner who frequently travels and enjoys staying at Starwood Hotels could benefit from using this card. With easily used points, limited restrictions, and a low annual percentage rate currently offered, there is very little not to like.Review Written August 6, 2011. Card terms subject to change.