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The Power of OPEN

The only person who truly understands your business is you. The hours you put in. The unexpected obstacles. The unexpected opportunities.

So we created American Express OPEN, because we want to be as flexible as you are. We built in the savings, rewards, and tools that businesses like yours rely on. And each American Express OPEN® Card comes with access to the essential benefits and protections only American Express can provide.

Click below to see how OPEN can help you do more for your business.

Financial Flexibility

Pay in full. Pay Over Time. Pay on your own terms.

We've got exactly the right Card for your business.

Need a Charge Card?

Pay in full with no interest* and get purchasing power that can evolve with your business.

COMPARE CHARGE CARDS

Need a Credit Card?

Give your business the option to carry a balance with interest.

COMPARE CREDIT CARDS

Need a Card with Payment Options?

It's your choice each month: pay early and save 1.5%, or defer payment for up to 2 months with the Plum Card.

LEARN ABOUT THE PLUM CARD
Savings And Rewards

Save big with OPEN® Cards, and fuel your business with smart rewards.

OPEN Savings®

  • Benefit from exclusive partnerships and built-in discounts
  • Save automatically on leading brands when you use your Card with any OPEN Savings partner — from shipping with FedEx to car rentals with Hertz®
  • Enjoy OPEN Savings in addition to any other discounts or promotions*

Travel Advantages

You can keep business travel running smoothly, for less, with flight savings, hotel stays, airline club access and special upgrades.§

COMPARE BUSINESS TRAVEL CARDS

Membership Rewards® program

Reinvest in your business using the points you can earn on eligible purchases. Travel to a conference, treat a client to dinner, or get new office equipment. All with Membership Rewards points.

COMPARE MEMBERSHIP REWARDS CARDS
Tools For Business

Apps and insights to help you run your business

OPEN is putting the resources your business needs right at your fingertips.

Access special corporate rates to save on flights, hotels and car rentals with BusinessTravel. Manage your business' online reputation and listings with YourBuzz.

The App Center gives you a premium set of digital tools that can help you save time and money, and retain customers.

SEE ALL BUSINESS TOOLS
Advice and Insights

A free forum for connecting with other professionals and getting insights about your business.

OPEN has a broad network of Cardmembers and experts that can help you connect with business owners like you.

  • Explore the OPEN Forum® for exclusive articles and videos featuring industry experts.
  • Create a profile and start connecting with other business owners.
  • Search for OPEN® business owners who may be looking for the goods or services you provide.
Service And Protection

Built-in Benefits of Cardmembership

American Express continues to offer Card members access to protections and services for all OPEN® Cards, including

Purchase Protection,* so you can 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.

Fraud Protection Guarantee, making online shopping a more secure experience for Cardmembers

24/7 support, with dedicated OPEN business representatives

So — which OPEN® Card is right for your business?

COMPARE MOST POPULAR CARDS
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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 with 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 with 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 with 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 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.

Maximize your rewards today

APPLY NOW Add to Saved Cards

What you get with every Card

Protection

You can rely on the coverage you've come to expect from your American Express® Cardmembership, helping to protect your purchases and your identity.

FOR SHOPPING

    Purchase protection *

  • Can protect eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase. The coverage is limited to $1,000 per occurrence, up to $50,000 per Cardmember account per calendar year, and is in EXCESS of other sources of indemnity.
  • Return Protection

  • If a store or vendor won't return an eligible item you purchased with your Card, we may refund your purchase price up to $300 per item (excluding shipping and handling), up to $1,000 per account each year.
  • Extended Warranty *

  • Can extend the terms of the original U.S. manufacturer's warranty for up to 1 additional year on eligible purchases with warranties of 5 years or less, when the purchase is charged to the Card. Coverage is limited to the actual amount charged to your Card for the item or up to $10,000; whichever is less not to exceed up to $50,000 per Cardmember account per calendar year.

FOR YOUR IDENTITY

    Fraud Protection Guarantee

  • Your Card can make online shopping a more reassuring and secure experience by protecting you against fraudulent use of your American Express Card.
  • Identity Theft Assistance

  • Call us the moment you think your identity may have been stolen. We're here to help you sort things out and create strategies to continue to protect your identity.
  • 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.

Business Apps

The OPEN App Center has powerful tools that can help you improve cash flow, save money, and get and retain customers.

GET AND RETAIN CUSTOMERS

  • YourBuzz
  • SearchManager
  • AdManager

IMPROVE CASH FLOW

  • AcceptPay
  • FX International Payments
  • SurePayroll

SAVE MONEY

  • InsuranceEdge provided by Bolt™
  • BusinessTravel

OPEN Forum®

Explore articles and videos featuring industry experts, and ask questions and get advice from other OPEN Cardmembers.

Support

American Express offers the tools and the representatives that can help support your business when you need them.

MANAGING YOUR BUSINESS

    Online Account Management

    We've got the online account tools to help your business run smoothly.

  • Online statements let you easily find receipts, prepare reports to invoice customers, and budget.
  • Your Year-End Summary is a tax-time essential.
  • Account Alerts let you know when payments are due or when accounts reach selected levels.
  • Authorized Access allows you to authorize employees or third parties to manage your account online.

Signature Cardmember Business Service

Call 24/7 for one-on-one help, dedicated to small business owners like you. You'll speak with OPEN representatives who understand your business and so will focus on helping you solve your issues.

Partner Savings

Cardmembers can enjoy automatic savings and built-in discounts with OPEN Savings®.

No need to enroll — just use your Card at any OPEN Savings partner. Plus, the savings are in addition to any other discounts or promotions.

HOTELS

TRAVEL

SHIPPING

TECH

SUPPLIES AND SERVICES

GIFTS

  • YourBuzz: Strengthen your online connection with your customers.
  • SearchManager: Manage Google, Yahoo!, Bing™, and Facebook advertising all in one place.
  • AdManager: An end-to-end solution for creating and publishing online display advertising.
  • SurePayroll: Manage your payroll online. Calculate payroll, pay employees and process payroll taxes.
  • AcceptPay®: Accept payments online. Send email invoices. Get paid faster online.
  • FX International Payments: Wire funds internationally, directly from your U.S. business bank account.
  • InsuranceEdgeSM : PROVIDED BY BOLT™Find the right business insurance to meet your business needs.
  • BusinessTravel: Book business travel online. Get low rates. Control employee spending.
  • Hyatt Hotels & Resorts®
    Automatically save 3% on Hyatt's exceptional service and style.
  • Courtyard by Marriott®
    Stay connected, productive, and energized on the road -- and automatically save 5% -- with Marriott® Courtyard.
  • Fairfield Inn & Suites
    Automatically save 5% when you use your OPEN® Card on hotel stays at Fairfield Inn & Suites.
  • SpringHill Suites
    Automatically save 5% when you use your OPEN Card on hotel stays at SpringHill Suites.
  • Residence Inn by Marriott
    Automatically save 5% when you use your OPEN Card on hotel stays at Residence Inn by Marriott.
  • Towne Place Suites
    Automatically save 5% when you use your OPEN Card on hotel stays at Marriott Towne Place.
  • Hertz®
    Automatically save up to 10% on Hertz car rentals. Enjoy complimentary enrollment in Hertz #1 Club Gold®.
  • CAREY
    Automatically save 5% on ground transportation in more than 550 cities and 60 countries.
  • FedEx Express®
    Automatically save 5%. Plus, join the FedEx Discount Program and save up to an additional 21%.
  • FedEx Ground®
    Automatically save 5%. Plus, join the FedEx Discount Program and save up to an additional 21%.
  • FedEx Freight
    Automatically save 5%. Plus, join the FedEx Discount Program and save up to an additional 65%.
  • HP Direct
    Automatically save 5% with HP Direct, on top of all existing HPDirect.com offers.
  • Epson
    Automatically save 5% on products including WorkForce® printers, projectors, and scanners.
  • The Microsoft Store
    Automatically save 5% at microsoftstore.com and at Microsoft Store retail locations.
  • OfficeMax
    Automatically save 5% on purchases of office supplies, ink and toner, furniture, and more.
  • FedEx Office
    Automatically save 5%. Plus, join the FedEx Discount Program and save up to an additional 20%.
  • Iron Mountain
    Automatically save 10% on records storage, shredding, and data protection.
  • Dun & Bradstreet Credibility Corp
    Automatically save 5% on business credit information from Dun & Bradstreet.
  • 1-800 Flowers
    Automatically save 5% on gorgeous bouquets, gourmet food baskets, beautiful plants, and more.
  • Barnes & Noble
    Automatically save 5% when you use your OPEN Card at bn.com.

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.**

    Was this review helpful?

    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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    Flag as inappropriate
  • 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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