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Hotel Rewards Cards

Get special upgrades and amenities, or earn free night stays.

Built-in Benefits
	Business Platinum Card®	Starwood Preferred Guest® Business Credit Card
THE CARD	The Business Charge Card with more than 30 premium benefits designed for better business	The travel rewards Credit Card that gets you free nights, free flights with SPG Flights, and more
	Earn 25,000 Membership Rewards® points by spending $5,000 in the first 3 months1	Get 10,000 Starpoints after your first purchase and an additional 15,000 bonus Starpoints when you spend $5,000 in 6 months
	Learn More Apply Now Add to Saved Cards	Learn More Apply Now Add to Saved Cards
REWARDS PROGRAM	Membership Rewards First® program	Starwood Preferred Guest® program
FEATURED BENEFIT(S)	Airport Club Access Premium Car Rental Purchase Protection Business Platinum Concierge FINE HOTELS & RESORTS Platinum Office Program	Free Night Awards and Free Flights through SPG Flights Frequent flyer program transfers
OPEN SAVINGS®	Save 3% to 10% at merchant partners†	Save 3% to 10% at merchant partners†
PAYMENT TERMS	Pay in full with no interest and purchasing power that can evolve with your business	The option to carry a balance with interest and a spending limit
ANNUAL FEE	$450	$0 introductory annual fee for the first year, then $65

TRAVEL BENEFITS	Business Platinum Card®	Starwood Preferred Guest® Business Credit Card
Coverage for lost, stolen, or damaged checked and carry-on baggage2
24/7 medical, legal, financial, and emergency assistance when you travel3
Guaranteed room reservations4
24/7 help when you're on the road5
Premium benefits	Airport Club Access FINE HOTELS & RESORTS Premium Car Rental
SPECIAL ACCESS	Business Platinum Card®	Starwood Preferred Guest® Business Credit Card
Event ticket reimbursement if you can't attend6
Special seating at venues worldwide7
Premium benefits	Business Platinum Concierge Platinum Office Program
Account Alerts	Avoid late payments, be notified of irregular activity, monitor Employee Card spending, and more. Have them sent to your e-mail or mobile device.8
Authorize Someone to Manage Your Account	Choose from two levels of access when giving someone the authority to help you manage your account(s) online.9
Car Rental Loss and Damage Insurance10	Get coverage for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for an auto rental.
Dispute Resolution	If you do not recognize a charge on your statement, we'll investigate it, and you will not be responsible for paying the charge while we do.11
Emergency Card Replacement	Get a replacement in as little as 24 hours. Just call or visit one of more than 2,200 American Express Travel Services locations worldwide. Not all services available at all locations.
Extended Warranty12	Extends the term of the original manufacturer's warranty up to one additional year on eligible purchases with warranties of five years or less that are eligible in the U.S.
Fraud Protection Guarantee	Protects you against unauthorized charges that appear on your statement. In most cases, a temporary credit will be issued immediately.
Identity Theft Assistance	Call 24/7 for help determining if you are the victim of identity theft. We can also recommend steps for recovery and ways to protect yourself going forward.
Online Statement	Easily find receipts, prepare reports to invoice customers, organize for tax season, and budget for the future — all in one place.
Purchase Protection13	Protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.
Travel Accident Insurance14	Covers you and your dependents against accidental death and dismemberment when traveling on a Common Carrier Conveyance (plane, train, ship, helicopter, or bus) when the entire fare has been charged to the Card.
Year-End Summary	Organizes your charges by month and spend category.

THE CARD	Business Platinum Card®	Starwood Preferred Guest® Business Credit Card
	Learn More Apply Now Add to Saved Cards	Learn More Apply Now Add to Saved Cards

2Baggage Insurance Plan: American Express® Card Baggage Insurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0400 or Policy BIP-IND and is subject to change with notice. This document does not supplement or replace the Policy.
3Global Assist® Hotline: While the many Global Assist® Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers.
4Guaranteed Room Reservations: Just request an American Express Guaranteed Room Reservation when you make a reservation at a participating hotel or motel — don't forget to ask for a confirmation number. Your room will be held until check-out time the day following your scheduled arrival, or you will be provided with comparable accommodations at no charge.
5Roadside Assistance: The American Express Roadside Assistance Anywhere services are provided as an emergency service and not a general maintenance type service. Only one disablement for the same cause during any consecutive seven-day period will be allowed. Coverage provided for self-propelled, four-wheel vehicles designed, licensed, and used for private on-road transportation, and trucks with a carrying capacity of up to 2 tons. Towing to the nearest authorized facility, or, upon the Cardmember's request, to another location at a maximum towing distance of 10 miles with a maximum of $50 coverage. Fuel provided in emergency situations will be charged to the Cardmember's Card account. Emergency situations do not include: all parts, labor, and supplies provided while at an auto repair shop or service station, towing to another location unless the initial service location is closed, service for taxicabs, tractors, boats, rental vehicles, ambulances, trucks, vehicles used for competition, unlicensed vehicles, illegally parked or impounded vehicles, or any vehicles in tow, rental and towing equipment, towing at the direction of law enforcement officer relating to traffic obstruction, impoundment, abandonment, illegal parking, or other violations of law, or towing by other than a licensed service station or garage, installation or removal of snow tires, repairs to studs, mounting and dismounting snow chains, repeated service calls for a vehicle in need of routine maintenance or repair, shoveling snow from around a vehicle, vehicle storage, or impoundment charges. Service is provided in the 48 contiguous United States and Canada. Limit of 4 services per calendar year.
6Event Ticket Protection Plan: Event Ticket Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0974 or Policy ETP-IND and is subject to change with notice. This document does not supplement or replace the Policy. This benefit is not available to residents of New York State.
7Gold Card Events: The following American Express Cards (domestic and/or international) are eligible for Gold Card Events: Gold Card, Platinum Card®, Centurion® Card, International Dollar Cards, Corporate Platinum Card and the Executive Business Card, Business Gold Card, Business Platinum Card and Business Centurion Card from OPEN, if issued by American Express Travel Related Services Company, Inc., American Express Centurion Bank, American Express Bank, FSB. Gold Card Events is not offered to the following (domestic and/or international) Cards that include, but are not limited to, select American Express® Corporate Cards, Optima® Cards, Delta SkyMiles® Credit Cards, American Express Costco Credit Cards, American Express Cash Rebate Cards, Hilton HHonors® Credit Cards or Starwood Preferred Guest® Credit Cards, Aeroplus® Credit Cards, AeroMexico® Cards, Indian Airlines® Cards, Air France® Cards, British Airways® Cards, KLM® Cards, Tiger Woods® Credit Cards.
1To be eligible to receive the bonus points, you must (1) apply for the Business Platinum Card from American Express OPEN using Bonus ID A2AE prior to termination of this offer, but no later than April 30, 2012, and (2) charge $5,000 of eligible purchases on the Business Platinum Card in the first 90 days of Card membership. The bonus points will be credited to your Membership Rewards® account 6-8 weeks after you have met the purchase requirement. Offer limited to 25,000 bonus points per Card account. Existing Business Platinum Card members are not eligible for this offer. This is a limited time offer, which may be terminated by American Express at any time. Offer may not be combined with any other promotional offers. Membership Rewards program terms and conditions apply.
8 Account Alerts: Refer to your wireless provider for details on messaging rates.
9 Authorize Someone to Manage Your Account: Authorized Account Managers and Agents must be at least 18 years old. Ameriprise financial advisors cannot be designated as Authorized Account Managers.
10 Car Rental Loss and Damage Insurance: Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0925 or Policy CRLDI-IND and is subject to change with notice. This document does not supplement or replace the Policy.
11 Dispute Resolution: Disputes are not always resolved in the Cardmember's favor.
12 Extended Warranty: Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy.
13Purchase Protection: Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 or Policy PP-IND and is subject to change with notice. This document does not supplement or replace the Policy.
14 Travel Accident Insurance: Underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0948 and is subject to change with notice. This document does not supplement or replace the Policy.

Get an automatic discount whenever you use your Card at OPEN Savings merchants, including FedEx, Hertz®, and many more. Discounts appear on your statement and can always be combined with any other coupon, deal, or offer.*

* OPEN Savings®: Savings range from 3% to 10%.Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account.If purchases that received the OPEN Savings discount are refunded, the OPEN Savings discount will be reversed and debited from your account.Please review your monthly Cardmember statement in order to confirm proper crediting of returns.If you believe that returns have not been properly credited to your account, please call the number on the back of your Card.Other restrictions or limitations may apply.Subject to offer terms and conditions located at open.com/opensavings.Merchant participation and offers are subject to change without notice.

OPEN Savings®: Savings range from 3% to 10%.Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account.If purchases that received the OPEN Savings discount are refunded, the OPEN Savings discount will be reversed and debited from your account.Please review your monthly Cardmember statement in order to confirm proper crediting of returns.If you believe that returns have not been properly credited to your account, please call the number on the back of your Card.Other restrictions or limitations may apply.Subject to offer terms and conditions located at open.com/opensavings.Merchant participation and offers are subject to change without notice.

Membership Rewards First® program: Terms and Conditions for the Membership Rewards First program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice.

Bonus Points Mall®: To be eligible to earn bonus points in the Bonus Points Mall website, you must be a U.S. Card member and enrolled in the Membership Rewards First program at the time of purchase and you must charge your qualifying purchase through the Bonus Points Mall website (bonuspointsmall.com) on an eligible, enrolled American Express® Card. Bonus points are awarded for all qualifying transactions at participating merchants through the Bonus Points Mall website. Participating merchants are subject to change without notice. Additional terms and conditions apply and appear on the Bonus Points Mall website (bonuspointsmall.com). Bonus points will be credited to your Program account within 6–8 weeks after charges appear on your billing statement. Bonus ID 8445.

Pay with Points: To qualify, all your American Express® Card accounts must be in good standing. The Membership Rewards First® program-enrolled Card account you designate will be charged for your purchase. Membership Rewards points will be debited from your program account and a credit will be issued to the Card account you designate for the corresponding dollar amount. If the points redeemed do not cover the entire amount of the charge, the balance of the purchase price will remain charged to the Card account you designate. Minimum redemption of 5,000 points. Terms and Conditions of the Membership Rewards First program apply and are available at membershiprewards.com/terms.

How do you earn points?
• Earn 1 point for every eligible dollar you spend — there is no limit to the number of points you can earn and no expiration date*
• Earn double points when you book with American Express Travel
• Earn up to 10X points every day when you shop over 300 brands at membershiprewards.com/earn ** — an exclusive earnings rate for Business Platinum Card members

What can you do with points?
• Access the First Collection® for top-tier rewards from premium partners — an exclusive for Business Platinum Card members
• Fly without blackout dates†
• Buy merchandise and gift cards from more than 500 partners
• Transfer points to frequent flyer and hotel guest programs
• Get Ticketmaster tickets

* Membership Rewards First® program: Terms and Conditions for the Membership Rewards First program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice.

** membershiprewards.com/earn: To be eligible to earn bonus points, you must be enrolled in the Membership Rewards® program ("Program") at the time of purchase and you must charge your qualifying purchase on an eligible, enrolled American Express® Card. Additional terms and conditions apply at membershiprewards.com/earn.

† Pay with Points: To qualify, all your American Express® Card accounts must be in good standing. The Membership Rewards First® program-enrolled Card account you designate will be charged for your purchase. Membership Rewards points will be debited from your program account and a credit will be issued to the Card account you designate for the corresponding dollar amount. If the points redeemed do not cover the entire amount of the charge, the balance of the purchase price will remain charged to the Card account you designate. Minimum redemption of 5,000 points. Terms and Conditions of the Membership Rewards First program apply and are available at membershiprewards.com/terms.

Airport Club Access: The Business Platinum Card® member must be traveling. Name on ticket must match name on Platinum Card. The Business Platinum Card member must be 18 years of age for American Airlines Admirals Club® Lounges and 21 years of age to enter into all other Airport Club Lounges without a parent or guardian. The Business Platinum Card member's spouse and children under the age of 21 or up to two companions may enter the club as complimentary guests. Code-share and affiliated lounge agreements do not apply. Special industry reduced revenue tickets are not eligible with Delta and American Airlines. The Business Platinum Card member must present his or her valid Card, government-issued I.D., and airline ticket to club agents. Complimentary access is specifically for the airport club that corresponds to the airline operating the flight (access pertains to the aircraft, not the flight number) except with respect to American Airlines marketed code share flights with an American Airlines flight number which are also eligible for complimentary access to the lounge. Note that amenities may vary among airport club locations. Meeting rooms may be reserved for a nominal fee. Card members must adhere to all house rules of participating clubs. For a list of participating airport club locations, call 1-800-553-9497. Partners and locations subject to change.

Premium Car Rental: Benefits given to Business Platinum Card members are subject to each car rental company's terms and conditions, including age restrictions, and require enrollment to receive benefits. Card members must be affiliated with the Platinum Card Program codes. Hertz #1 Club Gold® is a registered trademark of Hertz System, Inc. Minimum rental age is 25 (exceptions apply). For Hertz #1 Club Gold, upgrades are subject to fleet availability at time of rental. Standard rental terms and conditions apply. Payment must be made using the Business Platinum Card from American Express. Card members are required to enroll in Hertz #1 Club Gold to become a member. National collects Frequent Flyer Tax Recoupment Surcharge to cover the federal tax on the cost of the miles awarded at the time of rental. Discount applies to base rate only. Taxes (including GST), other governmentally authorized or imposed surcharges, license recoupment/air tax recovery and concession recoupment fees, airport and airport facility fees, fuel, additional driver fee, one-way rental charge, and optional items are extra. Renter must meet standard age, driver, and credit requirements. Advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. National's Emerald Club and its services require a signed Master Rental Agreement on file.

Purchase Protection: Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 or policy PP-IND and is subject to change with notice. This document does not supplement or replace the Policy.

Business Platinum Concierge: There is typically no cost for the effort Concierge consultants perform on your behalf, although you are responsible for any purchases and/or shipping charges you authorize. Fees may apply for meetings and event planning.

FINE HOTELS & RESORTS: In order to receive the FINE HOTELS & RESORTS Program amenities and rates, reservations must be made through Business Platinum Travel Service. Payment must be made with an American Express® Card in the Business Platinum Card® member's name. Offer is valid for new bookings only. Offer is restricted to one per booking. Offer may be repeated during promotion period but may not be repeated during stay. Advance reservations must be made through Business Platinum Travel (BPT) or Centurion Travel Service (CTS) prior to arrival. Combinable with FINE HOTELS & RESORTS program amenities or Centurion Hotel Program amenities, rates, and room categories only. Must reserve FINE HOTELS & RESORTS rates and room categories in order to receive promotion benefits. Back-to-back stays within a 24-hour period at a single FH&R Hotel are considered one stay. American Express acts solely as sales agent for travel suppliers and is not liable for the acts or inactions of such suppliers. Additional hotel terms & conditions may apply, see open.com/finehotels for details. CST# 1022318-10; ML# 1192; Washington UBI # 600-469-694; TA# 002-Registered Iowa Travel Agency; NV#2001-0126.

Platinum Office Program: Activation with Regus required. This benefit is subject to Regus' and each service provider's terms and conditions. Business Platinum Card® membership required; Card must be presented for certain benefits. Information provided by American Express about you enables Regus, our trusted partner, to recognize you as an active Card member. May not be combined with other offers or discounts.

Gain complimentary access for you and your family — or 2 guests — at partner airport clubs worldwide.*

* Airport Club Access: The Business Platinum Card® member must be traveling. Name on ticket must match name on Platinum Card. The Business Platinum Card member must be 18 years of age for American Airlines Admirals Club® Lounges and 21 years of age to enter into all other Airport Club Lounges without a parent or guardian. The Business Platinum Card member's spouse and children under the age of 21 or up to two companions may enter the club as complimentary guests. Code-share and affiliated lounge agreements do not apply. Special industry reduced revenue tickets are not eligible with Delta and American Airlines. The Business Platinum Card member must present his or her valid Card, government-issued I.D., and airline ticket to club agents. Complimentary access is specifically for the airport club that corresponds to the airline operating the flight (access pertains to the aircraft, not the flight number) except with respect to American Airlines marketed code share flights with an American Airlines flight number which are also eligible for complimentary access to the lounge. Note that amenities may vary among airport club locations. Meeting rooms may be reserved for a nominal fee. Card members must adhere to all house rules of participating clubs. For a list of participating airport club locations, call 1-800-553-9497. Partners and locations subject to change.

Get complimentary memberships — along with special upgrades, savings, and priority treatment — at Avis®, Hertz®, and National Car Rental®.*

* Premium Car Rental: Benefits given to Business Platinum Card members are subject to each car rental company's terms and conditions, including age restrictions, and require enrollment to receive benefits. Card members must be affiliated with the Platinum Card Program codes. Hertz #1 Club Gold® is a registered trademark of Hertz System, Inc. Minimum rental age is 25 (exceptions apply). For Hertz #1 Club Gold, upgrades are subject to fleet availability at time of rental. Standard rental terms and conditions apply. Payment must be made using the Business Platinum Card from American Express. Card members are required to enroll in Hertz #1 Club Gold to become a member. National collects Frequent Flyer Tax Recoupment Surcharge to cover the federal tax on the cost of the miles awarded at the time of rental. Discount applies to base rate only. Taxes (including GST), other governmentally authorized or imposed surcharges, license recoupment/air tax recovery and concession recoupment fees, airport and airport facility fees, fuel, additional driver fee, one-way rental charge, and optional items are extra. Renter must meet standard age, driver, and credit requirements. Advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. National's Emerald Club and its services require a signed Master Rental Agreement on file.

Use your Card and protect eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase. As a Business Platinum Card member, you will get 10X the coverage with up to $10,000 per occurrence and up to $50,000 per Card member, per year.*

* Purchase Protection: Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 or Policy PP-IND and is subject to change with notice. This document does not supplement or replace the Policy.

Get 24/7 on-call personal assistance for your unique business needs — whether you need help planning an event or choosing the perfect thank-you gift for your best client.*

* Business Platinum Concierge: There is typically no cost for the effort Concierge consultants perform on your behalf, although you are responsible for any purchases and/or shipping charges you authorize. Fees may apply for meetings and event planning.

Get special amenities — like guaranteed 4pm late checkout, daily continental breakfast for 2, and a room upgrade upon arrival — at more than 600 of the world's most luxurious hotels and resorts.*

* FINE HOTELS & RESORTS: In order to receive the FINE HOTELS & RESORTS Program amenities and rates, reservations must be made through Business Platinum Travel Service. Payment must be made with an American Express® Card in the Business Platinum Card® member's name. Offer is valid for new bookings only. Offer is restricted to one per booking. Offer may be repeated during promotion period but may not be repeated during stay. Advance reservations must be made through Business Platinum Travel (BPT) or Centurion Travel Service (CTS) prior to arrival. Combinable with FINE HOTELS & RESORTS Program amenities or Centurion Hotel Program amenities, rates, and room categories only. Must reserve FINE HOTELS & RESORTS rates and room categories in order to receive promotion benefits. Back-to-back stays within a 24-hour period at a single FH&R Hotel are considered one stay. American Express acts solely as sales agent for travel suppliers and is not liable for the acts or inactions of such suppliers. Additional hotel terms & conditions may apply, see open.com/finehotels for details. CST# 1022318-10; ML# 1192; Washington UBI # 600-469-694; TA# 002-Registered Iowa Travel Agency; NV#2001-0126.

Get walk-in access to more than 1,000 internet-equipped business lounges in 450 cities worldwide. You can also get on-demand administrative services and special pricing on full-service office rentals by the day, month, or year.*

* Platinum Office Program: Activation with Regus required. This benefit is subject to Regus' and each service provider's terms and conditions. Business Platinum Card® membership required; Card must be presented for certain benefits. Information provided by American Express about you enables Regus, our trusted partner, to recognize you as an active Card member. May not be combined with other offers or discounts.

International Airline Program: Companion ticket requires purchase of qualifying, non-restricted First- or Business-Class ticket through American Express Travel Services with an American Express® Card issued in the U.S. Business Platinum Card® or Centurion® member's name on a participating airline. [Participating airlines include: Aer Lingus, AeroMexico, Air France, Air New Zealand, Alitalia, Asiana Airlines, Austrian, Cathay Pacific, China Airlines, Delta Air Lines, Emirates, Etihad Airways, Japan Airlines, Jet Airways, LAN, Lufthansa, Mexicana, Scandinavian Airlines, South African Airways, Swiss International Air Lines, Virgin Atlantic.] Travel must originate in and return to a U.S. gateway (excluding Puerto Rico and overseas territories) or Canadian gateway. One-way travel permitted on some participating airlines where routing originates in U.S. Travel must be purchased by 12/31/09 and completed by 12/31/10. Available service class (First or Business) determined by participating airline. Seats are limited and may not be available on all flights. Card member and companion must travel on the same itinerary. Non-refundable $78 American Express service fee applies to purchase and all ticket changes/refunds with Business Platinum Card (fees are waived for Centurion members). Companion ticket subject to government taxes/fees from $50 to $400 round-trip, including a September 11th Security fee of up to $10. Total charge for the companion ticket may also reflect airline imposed fuel surcharges of up to $400 round-trip. Companion ticket must be returned/cancelled before full-fare ticket is refunded. Not combinable with any other promotion, discount, negotiated group, or corporate-contracted rate, and may not be available on participating airline's code-share partners, i.e., flights marketed by the ticketing airline but operated by its partner airline. Participating airlines reserve right to modify fare rules/program participation prior to booking. Limit one companion ticket per Card member traveling. Tickets are not transferable or endorsable.

10,000 Starpoints With First Purchase: To be eligible to receive 10,000 bonus Starpoints, you must make your first purchase with the Starwood Preferred Guest® Business Credit Card within one year of Card approval. Bonus Starpoints will appear on your Starwood Preferred Guest member statement 8–12 weeks after your first purchase. Bonus Starpoints are for first-time Starwood Preferred Guest Business Credit Cardmembers only. You may have more than one Starwood Preferred Guest Business Credit Card account; however, if you have or had any such account you are not eligible to receive bonus Starpoints you may be offered for any other such account.

Starwood Preferred Guest® Program: "Eligible Spending" includes purchases of goods or services, which purchases have not been returned or otherwise rescinded, and are not subject to a credit; it does NOT include fees, Interest Charges, Cash Advances (including the use of checks, line activators, automated teller machines or other means of accessing your account), Balance Transfers, or adjustments to your account. We reserve the right not to award any Starpoints for transactions we determine are not made with the good faith intention of consuming the item charged.

Double Starpoints on Starwood Purchases: You will receive one additional Starpoint for each U.S. dollar of Eligible Spending charged on your Card account at participating Starwood properties, and at standalone retail establishments and online stores that, in each case, are wholly owned by Starwood Hotels & Resorts Worldwide, Inc.

5,000 Bonus Starpoints: 5,000 Starpoints bonus is awarded only when 20,000 Starpoints are transferred as part of the same transaction and is based on airlines with a 1 Starpoint to 1 mile conversion rate; equivalent bonus will be awarded in accordance with other airline conversion rates.

Starwood Free Night Awards: Free Night Awards apply to standard rooms only as defined by each participating hotel and resort; contact the hotel or resort before booking to check availability.

SPG® Free Flights: Award Flights include airfare only. Fees, taxes, and terms and conditions vary by airline. For a list of participating airlines, transfer ratios, and full program details, go to www.spg.com.

Transfer Starpoints: Starpoint to 1 mile conversion rate; equivalent bonus will be awarded in accordance with other airline conversion rates.

Become a Cardmember and get:
• Up to 5 Starpoints for every eligible dollar spent at SPG hotels & resorts – 2 Starpoints per dollar spent on the Card in addition to the 2 Starpoints you can get as an SPG member. Plus, 1 more Starpoint with SPG Gold or Platinum status.*
• One Starpoint for every eligible dollar spent everywhere else.**
• 10,000 Starpoints with your first purchase.***
• 5,000 bonus Starpoints when you transfer 20,000 to a frequent flyer program.†

What can you do with Starpoints?
• Redeem Starpoints for free nights at over 1,000 hotels and resorts in 93 countries and free flights on over 350 airlines – all with no blackout dates.‡
• Use Starpoints for merchandise at Amazon, Gap, Starbucks, and more.
• Bid on unique experience at SPG Moments.
• Get free travel on Amtrak.

* Starwood Preferred Guest® Program: You will receive two Starpoints® from American Express and two Starpoints (or three Starpoints if you have Starwood Preferred Guest® elite status) from the Starwood Preferred Guest Program for each U.S. dollar of Eligible Spending charged on your Starwood Preferred Guest Credit Card from American Express at participating Starwood properties, stand-alone retail establishments, and online stores that, in each case, are wholly owned by Starwood Hotels & Resorts Worldwide, Inc, and its affiliates. Starwood associates do not receive any additional Starpoints as a Starwood Preferred Guest member for hotel stays and spend. "Eligible Spending" means purchases for goods and services minus returns and other credits. Eligible spending does NOT include: fee or interest charges; balance transfers; cash advances; purchases of American Express® Gift Cards or Travelers Cheques; and purchases of other cash equivalents. American Express reserves the right not to award any Starpoints for transactions we determine are not made with the good faith intention of consuming the item charged.

** Eligible Spending: "Eligible Spending" includes purchases of goods or services, which purchases have not been returned or otherwise rescinded, and are not subject to a credit; it does NOT include fees, Interest Charges, Cash Advances (including the use of checks, line activators, automated teller machines, or other means of accessing your account), Balance Transfers, or adjustments to your account. We reserve the right not to award any Starpoints for transactions we determine are not made with the good faith intention of consuming the item charged.

*** First Purchase: To be eligible to receive 10,000 bonus Starpoints, you must make your first purchase with the Starwood Preferred Guest® Business Credit Card within one year of Card approval. Bonus Starpoints will appear on your Starwood Preferred Guest member statement 8-12 weeks after your first purchase. Bonus Starpoints are for first-time Starwood Preferred Guest Business Credit Cardmembers only. You may have more than one Starwood Preferred Guest Business Credit Card account; however, if you have or had any such account you are not eligible to receive bonus Starpoints you may be offered for any other such account.

† 5,000 Bonus Starpoints: 5,000 Starpoints bonus is awarded only when 20,000 Starpoints are transferred as part of the same transaction and is based on airlines with a 1 Starpoint to 1 mile conversion rate; equivalent bonus will be awarded in accordance with other airline conversion rates.

‡ Starwood Free Night Awards: Free Night Awards apply to standard rooms only as defined by each participating hotel and resort; contact the hotel or resort before booking to check availability.

Starwood Free Night Awards: Free Night Awards apply to standard rooms only as defined by each participating hotel and resort; contact the hotel or resort before booking to check availability.

Transfer Starpoints: Starpoint to 1 mile conversion rate; equivalent bonus will be awarded in accordance with other airline conversion rates.

Use Starpoints for Free Night Awards at more than 1,000 hotels and resorts,* or free flights on over 350 airlines with SPG® Flights** – all with no blackout dates.

* Starwood Free Night Awards: Free Night Awards apply to standard rooms only as defined by each participating hotel and resort; contact the hotel or resort before booking to check availability.

** SPG® Free Flights: Award Flights include airfare only. Fees, taxes, and terms and conditions vary by airline. For a list of participating airlines, transfer ratios, and full program details, go to www.spg.com.

Transfer Starpoints – on a nearly 1-to-1 basis – to more than 30 frequent flyer programs.* You can even earn 5,000 bonus Starpoints when you transfer 20,000 Starpoints.**

* Transfer Starpoints: 1 Starpoint to 1 mile conversion rate; equivalent bonus will be awarded in accordance with other airline conversion rates.

** 5,000 Bonus Starpoints: 5,000 Starpoints bonus is awarded only when 20,000 Starpoints are transferred as part of the same transaction and is based on airlines with a 1 Starpoint to 1 mile conversion rate; equivalent bonus will be awarded in accordance with other airline conversion rates.

Get an automatic discount whenever you use your Card at OPEN Savings® merchants, including FedEx, Hertz®, and many more.Discounts appear on your statement and can always be combined with any other coupon, deal, or offer.*

* OPEN Savings®: Savings range from 3% to 10%.Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account.If purchases that received the OPEN Savings discount are refunded, the OPEN Savings discount will be reversed and debited from your account.Please review your monthly Cardmember statement in order to confirm proper crediting of returns.If you believe that returns have not been properly credited to your account, please call the number on the back of your Card.Other restrictions or limitations may apply.Subject to offer terms and conditions located at open.com/opensavings.Merchant participation and offers are subject to change without notice.

What do you want in a Card?

Business Platinum Card®

Delta Reserve for Business Credit Card

Platinum Delta SkyMiles® Business Credit Card

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Business Platinum Card®

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THE CARD

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OPEN SAVINGS®

PAYMENT TERMS

ANNUAL FEE

TRAVEL BENEFITS

Business Platinum Card®

Starwood Preferred Guest® Business Credit Card

Coverage for lost, stolen, or damaged checked and carry-on baggage2

24/7 medical, legal, financial, and emergency assistance when you travel3

Guaranteed room reservations4

24/7 help when you're on the road5

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Business Platinum Card®

Starwood Preferred Guest® Business Credit Card

Event ticket reimbursement if you can't attend6

Special seating at venues worldwide7

Premium benefits

Built-in Benefits

Account Alerts

Authorize Someone to Manage Your Account

Car Rental Loss and Damage Insurance10

Dispute Resolution

Emergency Card Replacement

Extended Warranty12

Fraud Protection Guarantee

Identity Theft Assistance

Online Statement

Purchase Protection13

Travel Accident Insurance14

Year-End Summary

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Business Platinum Card®

Starwood Preferred Guest® Business Credit Card

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