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American Express Business Platinum vs Starwood Preferred Guest

Compare Rewards, Interest Rates, Fees, and Benefits

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American Express Business Platinum is an excellent business charge card for frequent travelers. How does it compare to Starwood Preferred Guest from American Express, a travel and hotel credit card? Read our comparison chart below.

Keep in mind, the American Express Business Platinum has a $450 annual fee, while the Starwood Preferred Guest has a $0 introductory annual fee for the first year, then $95.

Charge Card vs Credit Card: The Business Platinum® Card from American Express OPEN is a charge card for business while Starwood Preferred Guest® Credit Card from American Express is a credit card for consumer. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

 The Business Platinum Card from American Express OPENStarwood Preferred Guest Credit Card from American Express
 Apply NowApply Now
 

The Business Platinum® Card from American Express OPEN

Starwood Preferred Guest® Credit Card from American Express

 Business Charge CardPersonal Credit Card
 
Introductory Bonus Reward PointsTravel RewardsAirline RewardsBonus Airline RewardsHotel Rewards
Introductory Bonus Hotel RewardsBonus Airline RewardsBonus Hotel RewardsHotel RewardsNo Limits on Rewards
 
  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.†
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 11/2017
  • Terms Apply
  • See Rates & Fees
  • Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 6 points for each dollar of eligible purchases at participating SPG® and Marriott Rewards® hotels and 2 points on all other eligible purchases.
  • No Foreign Transaction Fees on International purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 35,000 points) at a participating hotel. Select hotels have resort fees.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
 

Card Interest Rates & Fees

Purchase APRN/A17.74% to 26.74% Variable based on your creditworthiness and other factors
Balance Transfers APRN/A17.74% to 26.74% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$450 annual fee$0 introductory annual fee for the first year, then $95
 

Card Rewards & Benefits

Introductory Bonus Hotel Rewards Introductory Bonus Hotel Rewards: Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
Introductory Bonus Reward PointsIntroductory Bonus Reward Points: Welcome Offer: Earn up to 75,000 Membership Rewards® points.
Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.†
 
Travel RewardsTravel Rewards 
Airline RewardsAirline Rewards: Get 5X Membership Rewards® points on flights on amextravel.com. 
Bonus Airline RewardsBonus Airline Rewards: 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
Bonus Airline Rewards: Marriott International, Inc. will add 15,000 points for every 60,000 points you transfer to airlines miles.
Bonus Hotel Rewards Bonus Hotel Rewards: Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 35,000 points) at a participating hotel. Select hotels have resort fees.
Hotel RewardsHotel Rewards: Get 5X Membership Rewards® points on prepaid hotels on amextravel.com.Hotel Rewards: Earn 6 points for each dollar of eligible purchases at participating SPG® and Marriott Rewards® hotels and 2 points on all other eligible purchases.
Point RewardsPoint Rewards: Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year. 
Airline StatusAirline Status: Get up to $200 in statement credits per calendar year on a selected airline for incidentals such as baggage fees, lounge day passes, and more.
Access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass(TM) Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
 
Hotel StatusHotel Status: Enroll for complimentary SPG Gold Status (Starwood Preferred Guest Gold Preferred Guest).
Enroll for complimentary Hilton Honors Gold Status.

Fine Hotels & Resorts - book your stay through American Express FHR at one of 600 luxury hotels and you may get a room upgrade upon arrival, daily continental breakfast for 2, guaranteed 4pm late checkout and a special amenity unique to each property.
Hotel Status: Earn SPG Gold Status by spending $30,000 or more on your Card in a calendar year.
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.Airline Transfer Partners: Airline transfer partners include American Airlines, Delta, Southwest, Alaska Airlines, Hawaiian Airlines, British Airways, Aeromexico, Air Canada, Air France (Flying Blue), Emirates, Qatar Airways, Cathay Pacific (Asia Miles), Virgin Atlantic, Avianca, Singapore Airlines, Korean Air, Etihad, Asiana Airlines, Air China, Alitalia, Air Berlin, Jet Airways, China Southern Airlines, Japan Airlines, Hainan Airlines, Thai Airways, Virgin Australia, Aegean Airlines, Miles and More, All Nippon Airways, China Eastern, and more.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Card Reviews

 The Business Platinum Card from American Express OPENStarwood Preferred Guest Credit Card from American Express
Pros & ConsPros:
  • Welcome Bonus Offer
  • Airline Fee Credit
  • Global Lounge Collection
  • Concierge Service
Cons:
  • $450 annual fee
Pros:
  • Earn bonus points after you make $3,000 in purchases within the first 3 months
  • Flexible transfer to airlines miles
Cons:
  • $95 annual fee
Bottom LineExcellent business charge card for frequent travelers... Read full reviewExcellent rewards card for travelers looking for free hotel stays or airfare... Read full review
 Apply NowApply Now

See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express.

Which is Better: American Express Business Platinum or Starwood Preferred Guest?

Still need help deciding which travel card is better? Read the in-depth reviews below. You may also be interested in comparing American Express Business Platinum or Ink Business Preferred.


Explore The Business Platinum® Card from American Express OPEN In-Depth


Explore Starwood Preferred Guest® Credit Card from American Express In-Depth


Comments

  • Steve from Indiana
    on October 22, 2016 9:06 AM said about American Express Business Platinum:

    Hands down American Express if you really use it a lot!
    They keep on making it much better!

    I was not a big fan before because I didn't use it much!
    Once you start really using it in all ways possible it works even harder and better!
    I love it!

Comments may be filtered for language. CreditDonkey makes no guarantee of comments' factual accuracy. These responses are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Visitors may report inappropriate content by clicking the Contact Us link.


Compare American Express Business Platinum to:

American Express Platinum

The Platinum Card® from American Express

Introductory Bonus Reward PointsTravel RewardsAirline RewardsHotel Rewards
Annual Fee
$550
Business Gold Rewards Card

The Business Gold Rewards Card from American Express OPEN

Introductory Bonus Reward PointsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending Limit
Annual Fee
$0 introductory annual fee for the first year, then $175
American Express Plum Card

The Plum Card® from American Express OPEN

No Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase Protection
Annual Fee
$0 introductory annual fee for the first year, then $250

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Compare Starwood Preferred Guest to:

American Express Gold Card

American Express® Gold Card

Introductory Bonus Reward PointsAirline RewardsPoint RewardsGrocery Rewards
Annual Fee
$250
American Express Hilton

Hilton Honors American Express Card

Introductory Bonus Hotel RewardsHotel RewardsGas RewardsGrocery Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
17.74% - 26.74% Variable
Annual Fee
$0
Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
17.74% - 24.74% Variable
Annual Fee
$0 Intro for the First Year, then $95

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About CreditDonkey®
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

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