CreditDonkey is a credit card comparison and reviews website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

Starwood Preferred Guest® Credit Card from American Express vs Ink Business Preferred℠ Credit Card

Compare Rewards, Interest Rates, Fees, and Benefits

American Express and Chase are CreditDonkey partners. We receive compensation if you apply and get approved for a card through links in our content. You do not have to use our links, but you help support CreditDonkey if you do. (read more)

Starwood Preferred Guest is an excellent rewards card for travelers looking for free hotel stays or airfare. How does it compare to Ink Business Preferred from Chase, a business credit card? Read our comparison chart below.

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

Note: Starwood Preferred Guest® Credit Card from American Express is a credit card for consumer while Ink Business Preferred℠ Credit Card is a credit card for business.

 Starwood Preferred Guest Credit Card from American ExpressInk Business Preferred Credit Card
 Apply NowApply Now
 

Starwood Preferred Guest® Credit Card from American Express

Ink Business Preferred℠ Credit Card

 Personal Credit CardBusiness Credit Card
 
  • 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
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
 

Credit Card Interest Rates & Fees

Purchase APR17.74% to 26.74% Variable based on your creditworthiness and other factors17.74% to 22.74% Variable based on your creditworthiness and other factors
Balance Transfers APR17.74% to 26.74% Variable based on your creditworthiness and other factors17.74% to 22.74% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee$0
Annual Fee$0 introductory annual fee for the first year, then $95$95 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Hotel RewardsIntroductory 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 Points Introductory Bonus Reward Points: Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
Travel Rewards Travel Rewards: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
1:1 point transfer to leading airline and hotel loyalty programs
Airline Rewards Airline Rewards: 1:1 point transfer to leading airline and hotel loyalty programs
Bonus Airline RewardsBonus Airline Rewards: Marriott International, Inc. will add 15,000 points for every 60,000 points you transfer to airlines miles. 
Bonus Hotel RewardsBonus 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: Earn 6 points for each dollar of eligible purchases at participating SPG® and Marriott Rewards® hotels and 2 points on all other eligible purchases.Hotel Rewards: 1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards Point Rewards: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
Hotel StatusHotel 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 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.Airline Transfer Partners: Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, and Aer Lingus.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Credit Card Reviews

 Starwood Preferred Guest Credit Card from American ExpressInk Business Preferred Credit Card
Pros & ConsPros:
  • Earn bonus points after you make $3,000 in purchases within the first 3 months
  • Flexible transfer to airlines miles
Cons:
  • $95 annual fee
Pros:
  • Earn 80,000 bonus points
  • Earn 3 points per $1 in select business categories
  • Protection benefits
  • Airline transfer partners
Cons:
  • $95 annual fee
  • No introductory APR
Bottom LineExcellent rewards card for travelers looking for free hotel stays or airfare... Read full reviewExcellent credit card for the modern small business... 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: 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 any card issuer.


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


Explore Ink Business Preferred℠ Credit Card In-Depth


You Might Also Like


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

You might also be interested in

Credit Card for Traveling Abroad

The best credit cards for international travel have no foreign transaction fees, chip technology and worldwide acceptance. But what's the right travel card for you?

Compare Ink Business Preferred to:

American Express Business Platinum

The Business Platinum® Card from American Express OPEN

Introductory Bonus Reward PointsTravel RewardsAirline RewardsBonus Airline Rewards
Annual Fee
$450
SimplyCash Plus

SimplyCash® Plus Business Credit Card from American Express

Cash Back RewardsOffice RewardsCar Rental InsuranceExtended Warranty
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% on Purchases for 15 months
N/A
14.24% - 21.24% Variable
Annual Fee
No annual fee
Chase Sapphire Reserve

Chase Sapphire Reserve®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
17.74% - 24.74% Variable
Annual Fee
$450
Infographics: How to Build Business Credit

How to Build Business Credit

Small business owners need to build business credit so they can continue to make investments and grow. Learn how with our infographic guide.


About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

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.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*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.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.