Starwood Preferred Guest Business Credit Card from American Express review

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Advertiser Disclosure

Interest Rate: Purchases
19.99
Balance Transfer
-
Rewards
2 - 5 points
Signup Bonus
50000 points (after spending $1,500)


Am I eligible?


Starwood Preferred Guest Business Credit Card from American Express is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be at least 18 years of age (AB, MB, ON, PE, QA, SK). 19 in all other provinces.
Yes Be a permanent or temporary resident of Canada

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


creditcardGenius

$250 in welcome bonuses and a solid 3.13% return on your spending (when you redeem your Starpoints for the best possible travel value) – you’re looking at a pretty solid travel card. Add 9 different types of purchase and travel insurance, a free hotel stay when you spend $40,000 annually, protecting...

- creditcardGenius
PointsNerd

There are a couple of very real arbitrage opportunities that involve the use of SPG points and if you couple that with the fact that SPG points provide extreme flexibility, I think that having this card in your wallet is a no brainer, especially if you already have the SPG Personal card.

- Jayce, PointsNerd

Details


Interest Rates
Regular APR Interest Rate 19.99%
Balance Transfer Interest Rate
Cash Advance Interest Rate 22.99%
Rates & Fees
Annual Fee $150.00
Balance Transfer Fee
Cash Advance Fee $2.75
Foreign Transaction Fee 2.5%

Transactions made in a foreign currency will be converted and posted to your account in Canadian currency.

Over Limit Fee $29.00
Late Payment Fee $0.00
Promotions
Sign up bonus 50000 points after spending $1,500

On purchases within the first 3 months.

Rewards
All Purchases 2 points per $1 spent
Restaurants 3 points per $1 spent
Gas 3 points per $1 spent
Groceries No
Hotels 5 points per $1 spent

On eligible purchases on participating SPG and Marriott Rewards hotels.

Travel 3 points per $1 spent
Pharmacy No
Bills No
Additional Details

Receive a 15,000 point bonus from the Starwood Preferred Guest program when you transfer 60,000 points to a frequent flyer program.

Features & Benefits
Additional Card Holders Yes

$50 per year for each card

Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay
Additional Benefits
  • Receive complimentary Silver Elite status.
  • Enjoy an automatic upgrade to Gold Elite status when you reach $30,000 in purchases charged to the Card each year
  • Receive an Annual Free Night Award after your anniversary each year
  • Disability Plan for Small Business
  • Employee Card Misuse Protection
  • Flight Delay Insurance
  • Baggage Delay Insurance
  • Lost or Stolen Baggage Insurance
  • Hotel/Motel Burglary Insurance
  • American Express Invites
  • Emergency Card Replacement
Eligibility
Minimum Security Deposit $0
Minimum Age

18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces.

Minimum Personal Income
Temporary Residents No
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Additional comments
Terms & Conditions Official Terms & Conditions
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Critic Reviews


creditcardGenius

High return on spending, better insurance package

creditcardGenius

$250 in welcome bonuses and a solid 3.13% return on your spending (when you redeem your Starpoints for the best possible travel value) – you’re looking at a pretty solid travel card. Add 9 different types of purchase and travel insurance, a free hotel stay when you spend $40,000 annually, pr...More

$250 in welcome bonuses and a solid 3.13% return on your spending (when you redeem your Starpoints for the best possible travel value) – you’re looking at a pretty solid travel card. Add 9 different types of purchase and travel insurance, a free hotel stay when you spend $40,000 annually, protecting against employee misuse and personal disability, and this card could definitely be an asset to your small business.

Read full review

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PointsNerd

A no brainer

from PointsNerd

There are a couple of very real arbitrage opportunities that involve the use of SPG points and if you couple that with the fact that SPG points provide extreme flexibility, I think that having this card in your wallet is a no brainer, especially if you already have the SPG Personal card.

Read full review

There are a couple of very real arbitrage opportunities that involve the use of SPG points and if you couple that with the fact that SPG points provide extreme flexibility, I think that having this card in your wallet is a no brainer, especially if you already have the SPG Personal card.

Read full review

Less

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