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Ink Business Preferred vs Starwood Preferred Guest Business Credit Card

Compare Rewards, Interest Rates, Fees, and Benefits

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Ink Business Preferred is an excellent credit card for the modern small business. How does it compare to Starwood Preferred Guest Business Credit Card from American Express? Read our comparison chart below.

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

 Ink Business Preferred Credit CardStarwood Preferred Guest Business Credit Card from American Express
 Apply NowApply Now
 

Ink Business Preferred℠ Credit Card

Starwood Preferred Guest® Business Credit Card from American Express

 

Credit Card Summary

 
  • 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
  • Earn a $100 statement credit after you make $1,000 in purchases on the Card within your first 3 months of Card Membership.
  • Plus, earn an additional $100 statement credit after your first purchase on the Card at a participating SPG® or Marriott Rewards® hotel within your first 6 months of Card Membership.
  • From now through July 31, 2018: Earn 2 Starpoints® for every dollar of eligible purchases on the Card at participating SPG® and Marriott Rewards® hotels. Earn 1 Starpoint for all other eligible purchases.
  • Note: On August 1, 2018, SPG will convert every one Starpoint in a loyalty member account to three points. In general, corresponding redemption changes will occur. Visit members.marriott.com for details.
  • Effective August 1, 2018: Earn 6 points for every dollar of eligible purchases on the Card at participating SPG® and Marriott Rewards® hotels.
  • Earn 4 points at U.S. restaurants, U.S. gas stations, 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.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
  • Terms Apply
  • See Rates & Fees
 

Credit Card Interest Rates & Fees

Purchase APR17.74% to 22.74% Variable based on your creditworthiness and other factors16.99% to 20.99% Variable based on your creditworthiness and other factors
Balance Transfers APR17.74% to 22.74% Variable based on your creditworthiness and other factorsN/A
Foreign Transaction Fee$0No foreign transaction fee
Annual Fee$95 annual fee$0 introductory annual fee for the first year, then $95
 

Credit Card Rewards & Benefits

Introductory Bonus Hotel Rewards Introductory Bonus Hotel Rewards: Earn a $100 statement credit after you make $1,000 in purchases on the Card within your first 3 months of Card Membership.
Plus, earn an additional $100 statement credit after your first purchase on the Card at a participating SPG® or Marriott Rewards® hotel within your first 6 months of Card Membership.
Introductory Bonus Reward PointsIntroductory 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 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
Travel Rewards
Airline RewardsAirline Rewards: 1:1 point transfer to leading airline and hotel loyalty programs 
Hotel RewardsHotel Rewards: 1:1 point transfer to leading airline and hotel loyalty programsHotel Rewards: From now through July 31, 2018: Earn 2 Starpoints® for every dollar of eligible purchases on the Card at participating SPG® and Marriott Rewards® hotels. Earn 1 Starpoint for all other eligible purchases.
Note: On August 1, 2018, SPG will convert every one Starpoint in a loyalty member account to three points. In general, corresponding redemption changes will occur. Visit members.marriott.com for details.
Effective August 1, 2018: Earn 6 points for every dollar of eligible purchases on the Card at participating SPG® and Marriott Rewards® hotels. Earn 4 points at U.S. restaurants, U.S. gas stations, 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: 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 Status Hotel Status: Earn SPG Gold Status by spending $30,000 or more on your Card in a calendar year.
Beginning in January 2019, earn SPG Gold Status by spending $35,000 or more on your Card in a calendar year.
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include United Airlines, Southwest Airlines, British Airways, Air France, Korean Air, Singapore Airlines, Virgin Atlantic, Iberia, and Aer Lingus.Airline 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.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Credit Card Reviews

 Ink Business Preferred Credit CardStarwood Preferred Guest Business Credit Card from American Express
Pros & ConsPros:
  • 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
Pros:
  • Welcome bonus offer
  • SPG Airline Transfer Program
Cons:
  • $95 annual fee ($0 introductory annual fee for the first year)
Bottom LineExcellent credit card for the modern small business... Read full reviewExcellent travel credit card for small businesses who do not carry a balance... 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.

Which is Better: Ink Business Preferred 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 Ink Business Preferred or Business Gold Rewards Card.


Explore Ink Business Preferred℠ Credit Card In-Depth


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

    Worth $95? Starwood Business Credit Card Review

    Do you or your employees travel for work? With over 1,300 hotels and resorts, point transfer to select frequent flyer programs, and point bonus for those transfers, the Starwood Preferred Guest® Business Credit Card from American Express is one of our favorite travel rewards cards on CreditDonkey for business owners. Read on to see what sets this card apart from the competition.

Which Do You Like and Why?

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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
17.74% - 24.74% 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

Cash Back RewardsOffice RewardsCar Rental InsuranceExtended Warranty
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% on Purchases for 15 months
N/A
13.99% - 20.99% Variable
Annual Fee
No annual fee

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

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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.

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.