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American Express Business Platinum vs Starwood Preferred Guest Business Credit Card

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 Business Credit Card from American Express? Read our comparison chart below.

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

Charge Card vs Credit Card: The Business Platinum® Card from American Express is a charge card while Starwood Preferred Guest® Business Credit Card from American Express is a credit card. 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 ExpressStarwood Preferred Guest Business Credit Card from American Express
 Apply NowApply Now
 

The Business Platinum® Card from American Express

Starwood Preferred Guest® Business Credit Card from American Express

 Business Charge CardBusiness Credit Card
 
Introductory Bonus Reward PointsTravel RewardsAirline RewardsBonus Airline RewardsHotel Rewards
Introductory Bonus Hotel RewardsTravel 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 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
 

Card Interest Rates & Fees

Purchase APRN/A17.74% to 26.74% Variable based on your creditworthiness and other factors
Balance Transfers APRN/AN/A
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 of Card Membership.
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 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 Hotel Rewards Bonus 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: Get 5X Membership Rewards® points on prepaid hotels on amextravel.com.Hotel 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 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: 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 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 ExpressStarwood Preferred Guest Business Credit Card from American Express
Pros & ConsPros:
  • Welcome Bonus Offer
  • Airline Fee Credit
  • Global Lounge Collection
  • Concierge Service
Cons:
  • $450 annual fee
Pros:
  • Welcome bonus offer
  • Transfer points to airline program
Cons:
  • $95 annual fee ($0 introductory annual fee for the first year)
Bottom LineExcellent business charge card for frequent travelers... Read full reviewExcellent travel credit card for small businesses who do not carry a balance... 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: American Express Business Platinum or Starwood Preferred Guest Business Credit Card?

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


    Articles on The Business Platinum® Card from American Express


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


    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!

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    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 Card

    American Express® Business Gold Card

    Bonus Airline RewardsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending Limit
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    16.24% - 24.24% Variable
    Annual Fee
    $295
    American Express Plum Card

    The Plum Card® from American Express

    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 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
    17.74% - 26.74% Variable
    $0 introductory annual fee for the first year, then $95


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