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Starwood Preferred Guest Business Credit Card vs Ink Business Preferred

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 Ink Business Preferred from Chase? 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 Ink Business Preferred has a $95 annual fee.

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

Starwood Preferred Guest® Business Credit Card from American Express

Ink Business Preferred℠ Credit Card

 

Credit Card Summary

 
  • Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases at participating SPG® Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases.
  • Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights. Some hotels and resorts have mandatory service charges.
  • Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • No Foreign Transaction Fees on international purchases and $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 in select 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 APR16.49% to 20.49% Variable based on your creditworthiness and other factors17.24% to 22.24% Variable based on your creditworthiness and other factors
Balance Transfers APRN/A17.24% to 22.24% 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 25,000 bonus Starpoints® after you use your new Card to make $5,000 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 RewardsTravel RewardsTravel 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 RewardsAirline Rewards: Transfer Starpoints to more than 30 airline frequent flyer programs, mostly on a one-to-one basis.
Redeem Starpoints® for free flights on over 150 airlines with SPG Flights.
Airline Rewards: 1:1 point transfer to leading airline and hotel loyalty programs
Bonus Airline RewardsBonus Airline Rewards: Get 5,000 bonus Starpoints after you transfer 20,000 Starpoints to a frequent flyer program with more than 30 airlines 
Hotel RewardsHotel Rewards: Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries. Some hotels and resorts have mandatory service charges.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. Receive credit for 5 nights toward SPG elite status each year.

Sheraton Club Lounge access at select Sheraton Hotels for the duration of the cardmember's eligible stay.
 
DiscountDiscount: The OPEN Savings benefit is built into Business Cards from American Express OPEN and provides either a 5% discount or 2 additional Membership Rewards® points (if your card is enrolled in the Membership Rewards program) for each eligible dollar spent at OPEN Savings merchants. Terms and limitations apply. 
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include American Airlines, Delta, 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 United Airlines, Southwest Airlines, British Airways, Air France, Korean Air, Singapore Airlines, and Virgin Atlantic.
 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 ExpressInk Business Preferred Credit Card
Pros & ConsPros:
  • Bonus offer
  • 5000 bonus points for every 20000 points transferred to airline frequent flyer program
Cons:
  • $95 annual fee ($0 introductory annual fee for the first year)
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 travel credit card for small businesses who do not carry a balance... Read full reviewExcellent credit card for the modern small business... Read full review
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What Others View

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    Which is Better: Starwood Preferred Guest Business Credit Card or Ink Business Preferred?

    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 American Express Business Platinum.


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


    Explore Ink Business Preferred℠ Credit Card In-Depth


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    Compare Starwood Preferred Guest Business Credit Card to:

    Starwood Preferred Guest
    Introductory Bonus Hotel RewardsTravel RewardsAirline RewardsBonus Airline RewardsHotel RewardsNo Limits on RewardsCar Rental InsuranceExtended WarrantyPurchase Protection Return ProtectionTravel Accident Insurance$0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    16.49% - 20.49% Variable
    $0 introductory annual fee for the first year, then $95

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    Compare Ink Business Preferred to:

    Chase Sapphire Preferred

    Chase Sapphire Preferred® Card

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.24% - 24.24% Variable
    Annual Fee
    $0 Intro for the First Year, then $95
    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

    Introductory Bonus Cash BackCash Back RewardsOffice RewardsDiscount
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% on Purchases for 9 months
    N/A
    13.49% - 20.49% Variable
    Annual Fee
    No annual fee


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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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