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The Card at a glance

The Starwood Preferred Guest Business Credit Card from American Express OPEN can earn you Starpoints for Free Award Nights, flights on over 350 airlines through SPG Flights, gift cards, and more. Additional signature benefits include:

  • 4X Starpoints for every stay at participating SPG Hotels and Resorts
  • Extra 5K Starpoints when you transfer 20K Starpoints to any of more than 30 airline programs
  • $0 introductory annual fee for the first year, then $65 a year for a range of luxury travel rewards and membership benefits

UP TO 25K STARPOINTS

Get 10,000 Starpoints after your first purchase and an additional 15,000 bonus Starpoints when you spend $5,000 in 6 months.

THIRD NIGHT FREE

Earn up to 5X Starpoints per dollar spent at hotels and resorts participating in the SPG program.

NO BLACKOUT DATES

Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries and for flights on over 350 airlines through SPG Flights.

KEEP SCROLLING TO EXPLORE EVERYTHING THE CARD COMES WITH

Spend Starpoints on free nights, flights through SPG Flights, gift cards, and more

MAXIMIZE THE STARPOINTS YOU CAN EARN

  • 4X points for every eligible dollar spent at SPG Hotels and Resorts
  • 1 point for every other eligible dollar spent
  • When you add Employee Cards to your account, you can earn points at the same rate for every purchase charged
  • Points have no expiration date

Redeem for free nights, flights through SPG Flights, and more.

No blackout dates at over 1,000 properties in nearly 100 countries.

  • 2K-3K points = 1 free night at Category 1 properties
  • 3K-4K points = 1 free night at Category 2 properties
  • 7K points = 1 free night at Category 3 properties
  • 10K points = 1 free night at Category 4 properties
  • 12K-16K points = 1 free night at Category 5 properties
  • 20K-25K points = 1 free night at Category 6 properties
  • 30K-35K points = 1 free night at Category 7 properties

No blackout dates on over 350 airlines through SPG Flights.

  • Search, book, and use points to pay for flights at spgflights.com.
  • Round-trip airfare starts at 20K points.

Transfer points to over 30 airline programs.

  • Most transfers are made on a 1-to-1 basis.
  • Get a bonus of 5K miles for every 20K points transferred.

Offset business costs with gift cards.

  • 5K points get you a $50 gift card at retailers like Amazon.com and Nordstrom.
Drag the slider to calculate starpoints
Monthly Expenses$30,000
Yearly starpoints
5,544

STARPOINTS ARE AUTOMATICALLY CREDITED TO YOUR STATEMENT EACH MONTH

How are starpoints calculated? Close

This calculation assumes: 2% spent at participating SPG properties, and 98% spent on everything else.

Travel easier with insurance and assistance from OPEN

REACH SPG GOLD STATUS FASTER

  • Get 20% closer to with 5 automatic night credits just for getting the Card.
  • Get an automatic upgrade when you spend $30K in a calendar year.
  • SPG Gold status comes with a 50% point bonus, room upgrades, and guaranteed late checkout.

FIFTH NIGHT FREE

  • Enjoy your fifth night free and up to $100 in resort credit at participating resorts in Hawaii and French Polynesia.

GLOBAL ASSIST® HOTLINE

  • Guarantees you 24/7 medical, legal, financial, and emergency assistance when you're more than 100 miles from home.

CAR RENTAL LOSS & DAMAGE INSURANCE

  • Simply use your eligible Card to reserve and pay for an auto rental and decline the collision damage waiver at the rental counter. As a Cardmember you can be covered if the car is damaged or stolen.

BAGGAGE INSURANCE PLAN*

  • Travel in comfort knowing you can be covered by the Baggage Insurance Plan when you purchase your Common Carrier Conveyance (plane, train, ship, helicopter, or bus) on your eligible Card.

Purchase confidently with valuable protections

PURCHASE PROTECTION*

  • Shop with confidence knowing that eligible purchases can be covered from theft and accidental damage up to $1,000 per occurrence and up to $50,000 per Cardmember account per calendar year.
  • Good for up to 90 days from the date of purchase.
  • Coverage is in EXCESS of other sources of indemnity.

IDENTITY THEFT ASSISTANCE

  • Call us the moment you think your identity may have been stolen.
  • We're here 24/7 to help you sort things out, and create strategies to keep them that way.

EXTENDED WARRANTY*

  • Can extend your eligible purchase's manufacturer's warranty by up to 1 year.
  • Can cover the item or $10,000 ; whichever is less not to exceed $50,000 per Cardmember account per calendar year.
  • Good for eligible U.S. purchases with warranties of 5 years or less.

DISPUTE RESOLUTION

  • We begin investigating any unauthorized charge as soon as you make us aware of it, and you are not responsible for paying until your case is resolved.

Maximize your rewards today

APPLY NOW Add to Saved Cards

24/7 OPENŪ Business Support

SIGNATURE CARDMEMBER BUSINESS SERVICE

  • Dedicated to every OPEN Cardmember.
  • Call 24/7 for one-on-one help from representatives who will spend the time and focus to help solve your need.

DEDICATED CUSTOMER SERVICE

  • Of course our representatives are always standing by to help you solve your business needs.
The charge I pay for the OPEN Card is the biggest bargain I can think of. It's like I've hired a team of people that are available to me 24 hours a day. What would it cost me to go out and find those people train them up, and put them on the payroll?

Eli Wilner | Eli Wilner & Company | Member Since 1986

Get automatic discounts with OPEN Savings®

OPEN SAVINGS BUILT-IN DISCOUNTS

  • Get automatic discounts on every purchase you make with your Card at OPEN Savings partners.
  • Just pay with your Card — your discounts are automatically credited to your statement each month.
  • Maximize your savings by combining them with all other offers, coupons, and deals.

Network and organize with OPEN advantages

OPEN FORUM®

Content created just for OPEN

  • Research our archive of articles and videos written by and featuring renowned experts from a spectrum of industries.

Discussion boards

  • Find trends and experience-driven advice from thousands of OPEN Cardmembers.
  • Can't find a topic you're interested in? Start your own discussion and ask the forum to see if you can find an answer.

Networking opportunities

  • See who in the forum is looking for the goods or services you provide.
  • Use the connectedexSM to explore and create solid, money-saving partnerships with fellow OPEN Cardmembers.

ONLINE STATEMENT

Categorize your expenses

  • Separate, track, and tag expenses across different spending categories for better analysis.

Customize your data

  • View spending the way you want, by time period, Cardmember, merchant, category, or custom tags you create.

YEAR-END SUMMARY

  • Get a detailed report online or in the mail with all of your spending organized by month and business category.

Starwood Preferred Guest® Business Credit Card Ratings and Reviews

Add a review

Click here to write your own review about an American Express OPEN Card.

Showing 1 to 10 of 107 Reviews

Sort Reviews By: Newest | Highest Rated | Oldest | Most Helpful

1

Does not get better than this See More Reviews

12.19.2011

11

Does not get better than this

This card is a huge benefit to me. As a frequent traveler with my own business, the bonus points for signing on and the points awarded for both business purchases and SPG hotel stays are unparalleled. I highly recommend this card.

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HR FOR BUSINESS (MA)
  • Industry:
  • Professional Services (Attorney, Doctor, etc.)
  • Cardmember Since:
  • 2006
I thought it would have more value See More Reviews

11.28.2011

11

I thought it would have more value

Excellent customer service. Given what other cards offer lately, this card doesn't seem to have the appeal it once did. Also, I noticed that there are foreign transaction fees with this card while other cards don't have any. I wish it can get 2 star points per dollar on regular purchases since it's a business card.

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50pateld See More Reviews

11.24.2011

11

50pateld

I like the card because of the starwood points but should be a combination with airline points

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SHANTI CORPORATION (VA)
  • Industry:
  • Pharmaceuticals & Biotechnology
  • Annual Revenue:
  • $10,000,000-$29,999,999
  • Cardmember Since:
  • 2003
Disappointed See More Reviews

11.9.2011

11

Disappointed

Make sure you get your points. After having the card for 3 months, I noticed I hadn't received my bonus points for meeting the spending requirement within the first 6 months. Customer service told me that the bonus was only for new AMEX Card holders, yet the Card member agreement makes no mention of this requirement. This document is directly on their website. They still have not provided any valid reason for not crediting the account. I would be very wary of getting this card.

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  • Industry:
  • Financial Services
  • Cardmember Since:
  • 2002
  • Make Sure you Get your Bonus Points See More Reviews

    11.8.2011

    11

    Make Sure you Get your Bonus Points

    I was told I was not eligible for the 15k bonus points earned by spending 5k during the first 6 months of the card because I had already had AMEX cards, and was not a new customer. The card agreement DOES NOT make any mention of this limitation, so I've been going back and forth with customer service to get it resolved.Excerpt From "CARD BENEFITS & TERMS"**15,000 Starpoints:To be eligible to receive 15,000 bonus StarpointsŪ you must make $5,000 in purchases on the Card between the date the Card is issued and the date ending 6 months thereafter. Please allow 8 to 12 weeks after you reach $5,000 or more in account spend during the period described above for the 15,000 bonus Starpoints to appear in your Starwood Preferred Guest Account.**

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    Flag as inappropriate
  • Industry:
  • Financial Services
  • Cardmember Since:
  • 2002
  • Points vs. Purchase for Travel See More Reviews

    10.6.2011

    11

    Points vs. Purchase for Travel

    Points are acquired in a very slow amount. When spent, they are utilized at a more than going for 'retail' amount. Meaning, the amount cashed in for travel exceeds what would be spent utilizing another source of travel other than American Express. Dollar for Dollar, we spend more using points than paying outside of the benefit plan.

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    HOMES BY THE BAY NET (MD)
    • Industry:
    • Real Estate
    • Annual Revenue:
    • $30,000,000+
    • Cardmember Since:
    • 2007
    Still the best See More Reviews

    7.14.2011

    11

    Still the best

    The Starwood Credit Card from Amex still gives me the best return for my spending! I've used my SPG points to stay in hotels all over the world. In fact, I don't actually recall ever paying for a stay at a starwood property. The SPG card's service is always top notch. I've benefited from services like Global Assist while overseas more than once. When my luggage was delayed, the Amex agent was able to track it down and call me back within 20 minutes after I contacted her.

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  • Cardmember Since:
  • 2001
  • sheraton See More Reviews

    4.4.2011

    11

    sheraton

    do not use the hotel chain as much anymore so i have not has a need for the type of benefits offered

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    TESLA SYSTEMS INC (MA)
    • Industry:
    • Telecommunications
    • Annual Revenue:
    • $2,000,000-$9,999,999
    • Cardmember Since:
    • 1999
    Starwoods See More Reviews

    1.13.2011

    11

    Starwoods

    Best rewards for hotel stays and airline miles transfers. Annual fee increase this year is not competitive with other cards.

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    MIND GAMES LLC (SC)
    • Industry:
    • Retail/Wholesale
    • Annual Revenue:
    • $500,000-$999,999
    • Cardmember Since:
    • 1974
    Great Card at Good Value See More Reviews

    1.5.2011

    11

    Great Card at Good Value

    Starwood points are among the most valuable loyalty points in the business, and the Starwood Amex Business card combines that benefit with OPEN savings. At a very attractive annual fee, you get great Amex service,great loyalty points, and non-trivial discounts on many goods and services.It would be helpful to offer a few more promotions with starpoints for specific spending triggers.

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  • Industry:
  • Professional Services (Attorney, Doctor, etc.)
  • Annual Revenue:
  • $50,000-$99,999
  • Cardmember Since:
  • 2002
  • Showing 1 to 10 of 107 Reviews

    1

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