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Starwood Preferred Guest Business Credit Card vs Business Gold Card

Compare Rewards, Interest Rates, Fees, and Benefits

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Starwood Preferred Guest Business Credit Card is an excellent travel credit card for small businesses who do not carry a balance. How does it compare to Business Gold Card from American Express? Read our comparison chart below.

Keep in mind, the Starwood Preferred Guest Business Credit Card has a $0 introductory annual fee for the first year, then $95, while the Business Gold Card has a $295 annual fee.

 Starwood Preferred Guest Business Credit Card from American ExpressAmerican Express Business Gold Card
 Apply NowApply Now
 

Starwood Preferred Guest® Business Credit Card from American Express

American Express® Business Gold Card

 

Credit Card Summary

 
Introductory Bonus Hotel RewardsTravel RewardsBonus Hotel RewardsHotel RewardsNo Limits on Rewards
Bonus Airline RewardsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending LimitEvents
 
  • Earn 75,000 bonus points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
  • Earn 6 points for each dollar of eligible purchases at over 6,700 participating SPG® and Marriott Rewards® hotels across 29 brands.
  • Earn 4 points at U.S. restaurants, U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping. Earn 2 points for all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary (redemption level at or under 35,000 points) at a participating hotel. Select hotels have resort fees.
  • Enjoy complimentary Silver Elite status with your Card.
  • Plus, earn Gold Elite status after spending $30,000 or more in eligible purchases on your Card in a calendar year. Note: effective January 1, 2019, the spend threshold will increase to $35,000.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
  • Terms Apply
  • See Rates & Fees
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month †
  • †4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Exclusive Offers: Get up to 1 year free on subscriptions to both G Suite Basic for up to 3 users and ZipRecruiter Standard, a combined value up to $3,188.*
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.*
  • Expense Management Tools: Connect to Quickbooks, access SpendManager(SM), receive a Year-End Summary, and more.*
  • Add Employee Cards with a no annual fee option. Earn rewards on employee purchases and track employee expenses with spending limits, alerts, and summary reports.*
  • *Terms Apply
  • See Rates & Fees
 

Credit Card Interest Rates & Fees

Purchase APR17.99% to 26.99% Variable based on your creditworthiness and other factors16.49% to 24.49% Variable based on your creditworthiness and other factors
Balance Transfers APRN/AN/A
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$0 introductory annual fee for the first year, then $95$295 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 of Card Membership. 
Travel RewardsTravel Rewards 
Bonus Airline Rewards Bonus Airline Rewards: Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
Bonus Hotel RewardsBonus Hotel Rewards: Receive 1 Free Night Award every year after your Card account anniversary (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 over 6,700 participating SPG® and Marriott Rewards® hotels across 29 brands.
Earn 4 points at U.S. restaurants, U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping. Earn 2 points for all other eligible purchases.
 
Point Rewards Point Rewards: More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month †
4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
Hotel StatusHotel Status: Enjoy complimentary Silver Elite status with your Card.
Plus, earn Gold Elite status after spending $30,000 or more in eligible purchases on your Card in a calendar year. Note: effective January 1, 2019, the spend threshold will increase to $35,000.
 
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: 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.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Credit Card Reviews

 Starwood Preferred Guest Business Credit Card from American ExpressAmerican Express Business Gold Card
Pros & ConsPros:
  • Welcome bonus offer
  • Transfer points to airline program
Cons:
  • $95 annual fee ($0 introductory annual fee for the first year)
Pros:
  • Rewards
Cons:
  • $295 annual fee
  • Requires excellent credit
Bottom LineExcellent travel credit card for small businesses who do not carry a balance... Read full reviewGood rewards card for established business owners... Read full review
 Apply NowApply Now
What Others View

    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: Starwood Preferred Guest Business Credit Card or Business Gold Card?

    Still need help deciding which business card is better? Read the in-depth reviews below. You may also be interested in comparing Starwood Preferred Guest Business Credit Card or Ink Business Preferred.


    Articles on Starwood Preferred Guest® Business Credit Card from American Express


    Articles on American Express® Business Gold Card


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    Compare Starwood Preferred Guest Business Credit Card to:

    Starwood Preferred Guest
    Introductory Bonus Hotel RewardsBonus Airline RewardsBonus Hotel RewardsHotel RewardsNo Limits on RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection Travel Accident Insurance$0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    17.99% - 26.99% Variable
    $0 introductory annual fee for the first year, then $95

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    Compare Business Gold Card to:

    American Express Business Platinum
    Introductory Bonus Reward PointsTravel RewardsAirline RewardsBonus Airline RewardsHotel RewardsPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitConcierge Car Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionBaggage InsuranceTravel Accident Insurance$0 Fraud LiabilityEmergency Card ReplacementIdentity Theft Assistance Roadside Assistance
    Card TypeAnnual Fee
    Business Charge Card
    $450

    Business Green Rewards Card
    Introductory Bonus Reward PointsPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage InsuranceTravel Accident Insurance
    Card TypeAnnual Fee
    Business Charge Card
    $0 introductory annual fee for the first year, then $95


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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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