Starwood Preferred Guest® Business Credit Card from American Express
Earn up to 30,000 Starpoints®† Earn 10,000 Starpoints® after your First Purchase on the Card and earn an additional 20,000 Starpoints® after you make $5,000 in eligible purchases on the Card in the first 6 months of Cardmembership. Offer ends September 3, 2013.† Earn 1 Starpoint® for each dollar of eligible purchases¹ Earn up to 5 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the Starwood Preferred Guest® program - that's 2 Starpoints per dollar spent on the Card in addition to the Starpoints you get as an SPG member² $0 introductory annual fee for the first year, then $65³
Turn purchases into Starpoints®. Use towards free nights or flights.
  • Earn free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates.†4
  • Redeem Starpoints for free flights on over 150 airlines with SPG Flights with no blackout dates.
  • Receive credit for 5 nights and 2 stays towards SPG elite status each year.5
Turn Business Expenses into Rewarding Travel.
NEW
  • Receive free in-room, premium Internet access while staying with SPG® Participating Hotels.Booking requirements apply.6
NEW
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.7
NEW
  • Enjoy free access to the Sheraton® Club lounge.††8
Rates and Fees
NEW
  • No Foreign Transaction Fees on international purchases.9
  • $0 introductory annual fee for the first year, then $95.10
  • No annual fee for Additional Employee Cards.
Rates and Fees
PLUS, ACCESS TO BENEFITS THAT COME WITH OPEN<sup>®</sup> CARD MEMBERSHIP
24/7 Service & Support
On-Call Support and Dedicated Business Consultants who spend the time to help support your business needs.
Access to Shopping & Travel Benefits
Access to Purchase Protection11, Return Protection12, Extended Warranty13, Travel Accident Insurance14, Car Rental Loss and Damage Insurance15, and other benefits and services.
Online Tools & Resources
Articles and tips for small businesses at OPEN Forum® and online statements to manage spending.


Apply by phone: 1-866-534-OPEN(6736)
Learn More | Terms & Conditions | Not a Business Owner?

Some hotels may have mandatory service and resort charges
††Booking requirements apply

1 Welcome bonus offer not available to applicants who have or have had this product within the last 12 months. To be eligible to earn 30,000 bonus Starpoints, you must use The Starwood Preferred Guest Business Credit Card to complete $5,000 of eligible spending by the end of your first 3 months of Card Membership, based on the date of your Card approval. Bonus points will appear on your Starwood Preferred Guest statement 8–12 weeks after you reach the spend threshold. Eligible purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional Card Members on your account are not eligible for this offer. In rare instances, your period to spend $5,000 may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). For questions regarding your Card account, please call the number on the back of your Card. If your application is not approved by 9/14/2015 because it is incomplete or in pending status, you will not be eligible for the 30,000 bonus Starpoints offer even if your application is subsequently approved. American Express reserves the right to modify or revoke offer at any time.

2 Starpoints are awarded by American Express as part of the Card's reward program and by Starwood through the Starwood Preferred Guest Program. Because the program terms differ, there may be instances where you receive Starpoints under one program but not the other.

Starpoints awarded by American Express. You will receive two Starpoints® from American Express for each US dollar of eligible purchases charged on your Starwood Preferred Guest Credit Card from American Express when charged directly with participating Starwood properties, standalone Starwood retail establishments, and Starwood online stores that, in each case, are wholly owned by Starwood Hotels & Resorts Worldwide, Inc, and its affiliates.

Starpoints awarded by Starwood. You will receive two Starpoints (or three Starpoints if you have Starwood Preferred Guest® elite status) from Starwood for each US dollar of eligible charges under the Starwood Preferred Guest Program. Starwood associates do not receive any additional Starpoints as a Starwood Preferred Guest member for hotel stays and purchases. For information about earning Starpoints through the Starwood Preferred Guest Program, please see the SPG Terms and Conditions at spg.com/terms.

3 Eligible Purchases means purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply. Starpoints received from your Card will be posted to your SPG account up to 12 weeks after the end of each month. To be eligible to receive Starpoints, Card Member's account must not be cancelled or in default at the time of bonus fulfillment.

Merchants are assigned codes based on what they primarily sell. A purchase will not earn additional points if the merchant's code is not eligible. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn additional points. A purchase may not earn additional points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet.

4 Starpoints® redeemed for a free night award include the cost of a standard room and applicable taxes only. Some hotels may have mandatory service and resort charges. Please contact hotel or resort for complete details. Starpoints required for a free night range from 2,000 Starpoints for a weekend night in a standard room at a Category 1 property to 35,000 Starpoints for a high season night in a standard room at a Category 7 property. Category 7 properties that are all suites, villas, or have mandatory board require higher Starpoint redemption. For complete information on reward stays, visit www.spg.com.

5 Upon opening your Card Account and, by February 15th of each subsequent calendar year it is open, you will receive from Starwood credit for 2 stays and 5 nights towards your Starwood Preferred Guest elite status. This benefit is limited to one annual 2 credit per Starwood Preferred Guest account. To receive this benefit, your Card account must be linked to a SPG Member account in your name. You will not receive additional 2 stay or 5 night Elite status credits if you have multiple business Card Accounts or supplemental Cards. Credits and status are subject to the Terms and Conditions of the SPG program.

6 Available for Basic Card Members only on Starpoint Eligible Rate reservations at SPG Participating Hotels. Exclusions of Starpoint Eligible Rate reservations might include rooms booked through a group rate as part of an event and the SPG Member does not directly pay the SPG Participating Hotel for such room; through a tour operator; or through an online travel channel or third party channel (such as expedia.com, hotwire.com, priceline.com, orbitz.com, booking.com, Travelocity.com, ctrip.com, or elong.com.) A full description of Starpoint Eligible Rates and SPG Participating Hotels can be found at www.spg.com/terms. The SPG Member account number must be provided at the time of reservation and/or check-in. Premium Internet access is limited to one room per eligible Card Member per Stay regardless of how many rooms have been reserved. No incremental benefit will be provided at SPG® Participating Hotels that offer complimentary in-room Internet access to all guests. SPG Participating Hotels that have mandatory resort charges that include Internet access will provide a replacement benefit, to be determined at each SPG Participating Hotel's discretion.

7 Complimentary access to Boingo Wi-Fi is being provided as a benefit to Card Members with eligible Cards. In order to access the benefit, Card Members with eligible Cards must first be authenticated and create a Boingo American Express Preferred Plan (or, the "AXP Plan") account. Internet access may be required in order to be authenticated and create an account. For questions on eligibility, call the number on the back of your Card.
If you submit your American Express Card number to Boingo to verify that your Card is eligible for this benefit, Boingo will send your Card number to American Express. Upon receipt of your Card number from Boingo, American Express will provide confirmation of your Card's eligibility for the American Express Preferred Plan to Boingo. Boingo will not store or use your Card number for any other purpose. Boingo's use of this information is subject to its privacy policy. If you have an existing paid Boingo subscription plan, your existing plan will not be automatically cancelled when you enroll in the AXP Plan. If you would like to cancel any existing paid subscription plan, call Boingo's dedicated AXP Plan line.
The AXP Plan only provides access to land-based Wi-Fi services and does not include in-flight Wi-Fi. Available hotspots in Boingo's network, including those managed and operated by Boingo and its partners ("Boingo's Network") are subject to change at any time. Visit http://wifi.boingo.com to locate hotspots.
Your use of Boingo's Wi-Fi services is subject to Boingo's End User License Agreement and Customer Agreement and other applicable terms and conditions, including Boingo's privacy and security policies, available at www.boingo.com. Not withstanding anything to the contrary set forth in Boingo's terms and conditions, American Express Card Members with eligible Cards (i) will not be charged for enrollment in the AXP Plan, and (ii) will be permitted to connect no more than four devices to Boingo's Network per month. Simultaneous use of devices with a single account is limited to a hotspot.
By subscribing for this benefit, you acknowledge that American Express is not responsible for and does not guarantee the quality, security, coverage or availability of Boingo's Network or the free Wi-Fi hotspots accessed through the Wi-Finder App. You agree that use of Wi-Fi accessed through Boingo is at your own risk.
Use of the AXP Plan is limited to authorized Card Members only.
This benefit is non-transferable, it is your responsibility to ensure that no one else has access to your account details. Your account may be terminated for breach of any terms or conditions or for abuse of your AXP Plan account.From time to time, Boingo may request that you re-authenticate your Boingo American Express Preferred Plan account in order to confirm that you are still a Card Member with an eligible Card. You can receive alerts and connect seamlessly to Boingo by downloading the Wi-Finder App to your laptop, tablet and mobile devices. This benefit is subject to change or cancellation without notice.

8 Available at select Sheraton Hotels® & Resorts for the duration of a Card Member's stay. Visit www.sheratonclubroom.com/find for a full listing of Sheraton® Club properties. This benefit is for Basic Card Members only on Starpoint Eligible Rate reservations. Exclusions of Starpoint Eligible Rate reservations might include rooms booked through a group rate as part of an event and the SPG Member does not directly pay the SPG Participating Hotel for such room; tour operator; or online travel channel or third party channel, such as expedia.com, hotwire.com, priceline.com, orbitz.com, booking.com, Travelocity.com, ctrip.com, or elong.com. A full description of Starpoint Eligible Rates can be found at www.spg.com/terms. Sheraton Club lounge access is limited to the eligible Card Member and a guest staying in the same room for the duration of the stay, regardless of how many rooms have been reserved.

9 American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on these transactions.

10 The annual fee for the Starwood Preferred Guest® Business Credit Card will be waived for the first year of Card Membership. After that, the annual fee will be $95.

11 Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items lost by Card Member, consumable and perishable items, motorized vehicles and their parts or accessories, items stolen from a motor vehicle, and items damaged partially or entirely by natural disaster or normal wear and tear. Other important exclusions apply. You will only be reimbursed for the amount charged to your eligible Card; coverage is limited up to USD $1,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see americanexpress.com/PPterms.

12 Return Protection can refund you for eligible purchase(s) charged entirely on an eligible American Express® Card. Coverage is limited to 90 days from purchase, up to $300 per item and up to a maximum of $1,000 per Card Member account per calendar year. Shipping and handling costs for the purchase will not be refunded. Items are eligible if they are in “like new” condition and if they cannot be returned to the merchant from which they were originally purchased. Certain purchases are not eligible for refund, e.g. motorized vehicles, perishable items, computer software, and jewelry. Other important exclusions apply. Purchases must be made in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. Return Protection is subject to additional important terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/RPterms.

13 Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0953, Policy AX0954, Policy EW-AX0958, or Policy EW-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau, and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Extended Warranty can extend the terms of the original manufacturer's warranty on warranties of five years or less. We match the length of the original warranty if the original manufacturer's warranty is less than one year, and we provide one additional year if the original manufacturer's warranty is between one year and five years. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items with physical damage, damage as a result of natural disaster, software, motorized devices and vehicles and their parts. Other important exclusions apply. You will only be covered up to the amount charged on your eligible Card; coverage is limited up to a maximum of USD $10,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. This product is in excess of other warranty plans that you have in place for the eligible item. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/EWterms.

14 Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0948, Policy AX0949, or Policy TAI-AX0955. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under CRCB000000106. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. To be covered, you must pay the Entire Fare** for travel on a Common Carrier (e.g. plane, train, ship, or bus) with your eligible Card. Entire Fare** means the cost of the full fare for a Covered Trip on a Common Carrier. You can use your Basic or Additional Card Member's American Express Card, American Express Membership Rewards® Points or a combination of both for the entire fare. But if you use another form of payment or frequent flyer miles or points from another program to pay for all or part of the fare, you will not be covered, except for New Hampshire residents. Please read important exclusions and restrictions. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/TAIterms.
**Definition of entire fare differs for residents of New Hampshire. See full Terms and Conditions for details.

15 Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0925, Policy AX0926, Policy CRLDI-AX0927, or Policy CRLDI-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000101. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policies. Car Rental Loss and Damage Insurance is an excess insurance plan and will reimburse the Card Member only for losses/expenses not covered by other plans and when the Card Member uses their Card to reserve and pay for the entire vehicle rental. Coverage applies for the first 30 days of a vehicle rental and when rented from a Car Rental Company. Coverage is not available for ride-sharing companies that allow individuals to rent out their personal vehicle. This product provides collision damage to the rented vehicle but does not cover such things as injuries to you, any passenger in your insured vehicle, injury to other persons, or damages to other vehicles or property. This policy does not cover some vehicles, e.g. full-sized sport utility vehicles, off-road vehicles, cars with an original manufacturer's suggested new retail price of USD $50,000 or more, and exotic cars, as described in the Terms and Conditions. Not all vehicle types or rentals are covered. Coverage is available only within the United States, its territories, and possessions. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/CRLDIterms.