Close

Close

It appears that JavaScript is disabled within your browser.

To view the full site experience, you should ensure that you have JavaScript enabled by following these easy instructions.

Applying for the Card is quick and easy. Just enter your information, verify, and apply. Then get a decision in 60 seconds.

Enter your personal information and your application will be complete.

Please confirm that you've entered all your information correctly.

Start your application by entering your business and personal information below — and get a decision in 60 seconds.

YOUR BUSINESS INFORMATION

null
Role in Company:*
null
Estimated Monthly Spend:

Please make sure all required fields are complete and valid.

Are you already a Card Member?

No    Yes

Not looking for a Business Card? Learn about the personal version of this Card

Your e-mail address may be used to provide you with updates on the status of your application as well as exclusive offers and savings for your business. For information about how we protect your privacy, please read our Privacy Statement at americanexpress.com/privacy.
Note: For Partnerships and Corporations, TIN is required to activate an American Express OPEN® business account.

Optional Business Information

 
* Required Information
Continue on to fill in your personal information.
If everything is correct, please press "DONE".

YOUR PERSONAL INFORMATION

Business Address
nullnullnull

Please make sure all required fields are complete and valid.
My home address is the same as my business address.
Billing Address:   Business Address   Home Address   
 –   – 

Include all income available to you. If under age 21, include only your income. Income includes wages, retirement, investments, rental properties, etc. Alimony, child support, or separate maintenance need not be revealed if you do not wish to rely upon it.

If you are not a Starwood Preferred Guest member, you will automatically be enrolled upon approval of your credit card application.


* Required Information

PLEASE SCROLL DOWN TO READ IMPORTANT INFORMATION ABOUT RATES, FEE, AND OTHER COST INFORMATION BEFORE SUBMITTING YOUR APPLICATION.

By submitting this application, I certify that I have read, met, and agreed to all the terms, conditions and disclosures linked to this application. I understand that the annual fee for the Basic Card has been waived for the first year. Then, the annual fee for the Basic Card is $65. Additional Cards have no annual fee.

IMPORTANT INFORMATION REGARDING RATES, FEE, AND OTHER COST INFORMATION
INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases
15.24% (Prime Rate + 11.99%),17.24% (Prime Rate + 13.99%) or 19.24% (Prime Rate + 15.99%), based on your creditworthiness as determined at the time of account opening. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
21.24% (Prime Rate+ 17.99%)
This APR will vary with the market based on the Prime Rate.
Penalty APR and When It Applies
27.24% (Prime Rate+ 23.99%)
This APR will vary with the market based on the Prime Rate.
This APR will apply to your account if:
1) You make 2 or more late payments in a 12-month period;
2) You do not pay the Minimum Payment due by the closing date of the billing period in which it is due; or
3) You make a payment that is returned.
How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will apply for a minimum of 12 billing periods in a row, and will continue to apply until after you have made timely payments, with no returned payments for 12 billing periods in a row.
Paying Interest
Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.
Fees
Annual Membership Fee
$0 for the first year, then $65
Transaction Fees
  • Cash Advance
  • Foreign Transaction
Either $5 or 3% of the amount of each cash advance, whichever is greater.

2.7% of each transaction after conversion to US dollars.
Penalty Fees
  • Late Payment
  • Overlimit
  • Returned Payment
Up to $37
None
$37

 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases.)"
Loss of Introductory APR: We will end any Introductory APR and apply the Purchase APR if you make a late payment. Your introductory APR will also end if the Penalty APR applies to your Account.

Variable APRs for each billing period are based on the Prime Rate published in The Wall Street Journal 2 days before the Closing Date of the billing period. The Wall Street Journal may not publish the Prime Rate on that day. If it does not, we will use the Prime Rate from the previous day it was published. If the Prime Rate increases, variable APRs will increase. In that case, you may pay more interest and have a higher Minimum Payment Due. When the Prime Rate changes, the resulting changes to variable APRs take effect as of the first day of the billing period. Variable APRs are accurate as of 04/01/2014.

TERMS AND CONDITIONS

View the full Card Member Agreement.

By submitting this application, you, as an individual and the Authorizing Officer of the Company, (a) are requesting us to open an Account in the name of the Company, (b) are requesting that we issue Card(s) as you direct, (c) are agreeing to be jointly and severally liable with the Company for all charges to the account, and (d) are REPRESENTING THAT ALL CARD(S) ISSUED ON THE ACCOUNT WILL ONLY BE USED FOR COMMERCIAL OR BUSINESS PURPOSES. Only qualified individuals 18 or over may be approved for a Card Account. This offer is available to US Residents. When you use the Account (or sign or keep the Card), you agree to the terms of the Card Member Agreement that will be provided to you for the Account. The Card Member Agreement includes an arbitration provision, which impacts the opportunity to have claims related to the Account heard in court or resolved by a jury, and to participate in a class action or similar proceeding. We may change the terms of, or add new terms to, the Card Member Agreement at any time, subject to applicable law. We may apply any changed or new terms to any existing and future balances on your Account, subject to applicable law.

You promise that the information you provide on this application is accurate. You authorize us to verify this information and to obtain reports from consumer reporting agencies. You authorize us and our affiliates and subsidiaries to share information we have about you at any time for marketing and administrative purposes as permitted by law. Upon request, we will tell you if we have received a consumer report and the name and address of the agency that provided it.

Additional Cards: You must notify Additional Card Members that we may obtain, provide, and use information about them and that their use of your Account is subject to certain provisions of the Card Member Agreement.

Patriot Act Notice: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity.

New York residents may contact the New York Department of Financial Services to obtain a comparative list of credit card rates, fees, and grace periods by calling 1-800-518-8866.

Cash advance at ATMs: We may issue you a Personal Identification Number (PIN) to use to obtain cash advances at participating ATMs. Or you may request a PIN for cash advances by contacting us. We will send you a letter confirming your PIN.


Notice to Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.

Notice to Oregon Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. You may pay more than the minimum payment due, up to your entire outstanding balance, at any time.

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.


POID APOO:0001

Welcome bonus offer not available to applicants who have had this product within the last 12 months.

10,000 Starpoints After Your First Purchase

To be eligible to earn 10,000 bonus Starpoints, you must make your first purchase with the Starwood Preferred Guest® Business Credit Card within one year of Card approval. American Express reserves the right to modify or revoke offer at any time. You can earn 10,000 bonus Starpoints after you make your first purchase with the Starwood Preferred Guest® Business Credit Card starting from the date your account is approved. In rare instances, your period to make your first purchase may be shorter than a year if there is a delay in mailing your Card. Also, the purchase may fall outside of the first year 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). Bonus points will appear on your Starwood Preferred Guest statement 8-12 weeks after your first purchase. For questions regarding your Card account, please call the number on the back of your Card.

15,000 Starpoints After You Make $5,000 of Eligible Purchases in the First 6 Months of Card Membership

To be eligible to earn 15,000 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 six months of Card Membership, based on the date of your Card approval. American Express reserves the right to modify or revoke offer at any time. You can earn 15,000 bonus Starpoints starting from the date your account is approved. In rare instances, your period to spend $5,000 may be shorter than 6 months if there is a delay in mailing your Card or a delay in merchants submitting transactions to us. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). Bonus points will appear on your Starwood Preferred Guest statement 8-12 weeks after you reach the spend threshold. For questions regarding your Card account, please call the number on the back of your Card.

Introductory Annual Fee
The annual fee for the Starwood Preferred Guest Business Credit Card will be waived for the first year of Card Membership. The annual fee will be $65.


The following benefits and services are subject to change or cancellation.

5 Night and 2 Stay Credits Toward Starwood Preferred Guest Elite Status
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 towards your Starwood Preferred Guest elite status and credit for 5 nights toward your Starwood Preferred Guest Elite status. This benefit is limited to one annual 2 stay credit and one annual 5 night Elite status credit per Starwood Preferred Guest Credit Card account. 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 Starwood Preferred Guest program.

Account Manager
Account Managers and Agents must be at least 18 years old. American Express® Business Line of Credit accounts are not eligible for Account Managers.

Dispute Resolution
Not all disputes are resolved in the Card Member's favor.

Earn 1 Starpoint® for each dollar of eligible purchases.
Earn 1 Starpoint for each dollar of eligible purchases 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.

Earn 2 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the SPG® program.
You receive 1 additional point (for a total of 2 points) for each $1 of eligible purchases on your Card Account 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.
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.

Earn up to 5 Starpoints for each dollar on eligible purchases
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 $1 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 $1 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.

Global Assist® Hotline
While Global Assist® Hotline coordination and assistance services are offered at no additional charge from American Express, Card Members are responsible for the costs charged by third-party service providers. For full Terms and Conditions, see americanexpress.com/GAterms.

Gold /Platinum Status Late Checkout
Subject to availability at resorts and conference center hotels.

Gold /Platinum Status Points Earned
A Gold Preferred Guest or Platinum Preferred Guest will earn one bonus Starpoint (in addition to the standard two base Starpoints) for Eligible Purchases at SPG participating hotels for each US dollar or the currency equivalent that is incurred and paid for by the SPG member.

No Blackout Dates
No blackout dates apply to Free Night Awards which apply to standard rooms only, as defined by each participating property; contact the property before booking to check availability.

OPEN Savings® Benefit
The OPEN Savings benefit is built in to Business Cards from American Express OPEN and provides either up to a 10% discount or up to 4 additional Membership Rewards® points for each eligible dollar spent at OPEN Savings merchants. To take advantage of this benefit, payment must be made with a Business Card from American Express OPEN at the time of purchase. All Cards under a particular Card Account (including the Basic Card as well as any Additional or Employee Cards) are combined for the purposes of calculating OPEN Savings benefits. All OPEN Savings benefits are credited to the Basic Card Member only. Please allow up to 12 weeks for your benefit to appear on your monthly statement. If your Card Account is not eligible to receive Membership Rewards points or is not enrolled in the Membership Rewards program, you will receive the OPEN Savings benefit as a discount that will be provided as a statement credit to that Card Account. If your Card Account is enrolled in the Membership Rewards program you have the option of receiving your OPEN Savings benefit either as a discount or as additional Membership Rewards points. The relative value of the benefit options will differ depending on how you use your Membership Rewards points. The redemption value of additional points that you receive under the Membership Rewards Points Benefit may be less than the dollar value of statement credits that you receive under the Discount Benefit. You can change your OPEN Savings benefit selection a maximum of once per calendar month. Changes normally take effect within 72 hours from the time you submit a change to your benefit selection. Purchases that are eligible for the OPEN Savings benefit that are returned or credited from an OPEN Savings merchant will result in a reversal of your statement credit or removal of Membership Rewards points depending on your benefit election at the time of the return or credit. The benefit may not be available at all OPEN Savings partner locations. For a full list of individual OPEN Savings merchants and benefit descriptions, please visit opensavings.com. The OPEN Savings benefit (including merchant participation and offers) is subject to change at any time without notice. Membership Rewards program terms and conditions apply. OPEN Savings offers may be subject to exclusions, benefit limits and other restrictions or limitations. For full terms and conditions including specific paragraphs on the Benefit Selection and How Returns Work, go to opensavings.com.

ReceiptMatchSM
ReceiptMatchSM is only available with Business Cards from American Express OPEN. For full terms and conditions and enrollment, go to www.open.com/receiptmatch.

Return Protection
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, cellular phones, 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. Return Protection is subject to additional important terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/RPterms.

Roadside Assistance Hotline
Roadside Assistance Hotline is a 24-hour dispatch hotline that can send a tow operator or locksmith to assist in an emergency situation. While Roadside Assistance Hotline is available at no additional charge, the Card Member will be charged for any services or goods provided. Tow operator or locksmith can provide the following services: towing, winching, jump starts, flat tire change when Card Member has a workable spare, lockout service when key is in vehicle and delivery of up to 2 gallons of fuel. Services are available when traveling within the United States, Canada, Puerto Rico and the U.S. Virgin Islands and only when Card Member is present with the eligible vehicle. This product does not cover some vehicles, e.g. rental vehicles, motorcycles, taxicabs, unlicensed vehicles, tractors and trucks over 10,000 lbs gross vehicle weight. Other important exclusions apply. We may be unable to provide you with coordination and assistance services in case of inclement weather or on roadways which restrict access to certain service providers. Subject to additional important terms, conditions and exclusions. For full Terms and Conditions, call 1-800-333-AMEX or see americanexpress.com/RAterms.

Spending Limits
Additional Card Spending Limits may be set up online or by calling the number on the back of your Card. The Spending Limit is not a guarantee that the Additional Card Member will be able to make purchases up to that limit. There are certain purchases where the limit does not apply such as restaurant tips and hotel stays extended beyond their original reservation period and the overall Account capacity is taken into consideration. For more information on the application of the limit, please refer to the Spending Limit Terms & Conditions that will be included in the confirmation letter mailed to you after your limit is applied to each Additional Card.

SPG Gold Status - Upgrades
Subject to availability at check-in for the length of the stay, provided the room was not booked through a pre-paid third-party channel. Preferred Rooms do not include suites. This benefit is not offered at Aloft and Element properties

SPG Platinum Status - Upgrades
Subject to availability at check-in for the length of the stay, provided the room was not booked through a pre-paid third-party channel. Specialty Suites such as, but not limited to, premium view, Presidential, Honeymoon, and multiple bedroom suites are excluded. This benefit does not apply to all-suite hotels. Best rooms are identified by each property and may not include upgraded Towers level accommodations unless Towers level accommodations are booked originally. The upgrade benefit is available for one room for the personal use of the Member only, regardless of the number of additional rooms purchased by the Member. This benefit is not offered at Aloft and Element properties.

Starpoints Redemption for Free Nights
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. No blackout dates apply to Free Night Awards which apply to standard rooms only, as defined by each participating property; contact the property before booking to check availability.

Starpoints Transfer Bonus
5,000 Starpoints® bonus is awarded only when 20,000 Starpoints are transferred as part of the same transaction. For a list of participating airlines, transfer ratios, and full program details, go to www.spg.com. Participating airlines and transfer ratios are subject to change. Check with your frequent flyer program for details on redemption of airline miles.

Starpoints Transfer to Frequent Flyer Programs
Participating airlines and conversion rates are subject to change. See spg.com for full program details.

Starwood Preferred Guest® Loyalty Program- Gold Preferred Status
If during any calendar year, Eligible Purchases on your Card account are $30,000 or more, you (the Basic Card Member) will be enrolled for at least twelve months in the Gold Preferred level of the Starwood Preferred Guest® loyalty program (unless you are already enrolled in an equivalent or higher level). Starwood associates excluded. Please allow 12-16 weeks after your Eligible Purchases equal or exceed such amount for the applicable year for enrollment to become effective.

Year-End Summary
The Online Year-End Summary, available each January 1st, reflects charges posted to your account from January 1st through December 31st of the prior year.


For important information on policy terms, go to americanexpress.com/benefitsguide

Baggage Insurance Plan
American Express Card Baggage Insurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0400, Policy AX0401, Policy BIP-AX0402, or Policy BIP-IND. For residents of GU, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000100. 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. To be covered, you must pay the entire fare for travel on a Common Carrier (e.g. plane, train, ship, bus, except charters) with your eligible Card. Entire Fare means the cost of the full fare for a Covered Trip on a Common Carrier. You can pay for all of the cost in U.S. dollars, or use both dollars and American Express Membership Rewards® Points. But if you use frequent flyer miles or points from another program to pay for all or part of the fare, you will not be covered. To be eligible for claim payment, your account must be in good standing. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For lost checked baggage, a written report of the loss must be filed with the Common Carrier. For carry-on baggage, a written report of the loss must be filed with a local law enforcement agency if theft is suspected. For full Terms and Conditions, see americanexpress.com/BIPterms.

Car Rental Loss and Damage Insurance
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, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000101. 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. Coverage applies for the first 30 days of an auto rental and when rented from a Car Rental Company. 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. To be eligible for claim payment, your account must be in good standing. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. This product provides collision damage to the rented vehicle but does not cover such things as personal injury or personal liability, damages to other vehicles or property, or injury to other persons. For full Terms and Conditions, see americanexpress.com/CRLDIterms.

Extended Warranty
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, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. 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 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 $10,000 per occurrence; not to exceed $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. For full Terms and Conditions, see americanexpress.com/EWterms.

Purchase Protection
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, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. 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, 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 $1,000 per occurrence; not to exceed $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. 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.

Travel Accident Insurance
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, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under CRCB000000106. 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** with your eligible Card on a Common Carrier (e.g. plane, train, ship, bus, except charters). Entire Fare** means the cost of the full fare for a Covered Trip on a Common Carrier. You can pay for all of the cost in U.S. dollars, or use both dollars and American Express Membership Rewards® Points. But if you use 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. 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.

 
Continue on to verify your information
If everything is correct, please press "DONE".
My information is correct
*Required Information
Get a decision in 60 seconds
crd-sdbr-strwd

The Starwood Preferred Guest® Business Credit Card from American Express

A travel rewards Credit Card that allows you to redeem Starpoints for free nights, and for flights with SPG Flights.

Offer

Earn 10,000 Starpoints® after your first purchase on the Card1. Earn an additional 15,000 after you spend $5,000 in purchases on the Card within the first 6 months of Card Membership2 - enough for two free nights at a Category 5 Hotel like the Westin Maui Resort & Spa.3 Some hotels may have mandatory service and resort charges.

Offer Terms

Welcome bonus offer not available to applicants who have had this product within the last 12 months.

Annual Fee

$0 introductory annual fee for the first year, then $65.4

Redeem SPG Points for hotel stays and award travel

Redeem Starpoints at over 1,100 hotels and resorts in nearly 100 countries and for flights on more than 150 airlines with SPG Flights - all with no blackout dates.5

See Additional Benefits
1 Welcome bonus offer not available to applicants who have had this product within the last 12 months. 10,000 Starpoints: To be eligible to earn 10,000 bonus Starpoints, you must make your first purchase with the Starwood Preferred Guest® Business Credit Card within one year of Card approval. American Express reserves the right to modify or revoke offer at any time. You can earn 10,000 bonus Starpoints after you make your first purchase with the Starwood Preferred Guest® Business Credit Card starting from the date your account is approved. In rare instances, your period to make your first purchase may be shorter than a year if there is a delay in mailing your Card. Also, the purchase may fall outside of the first year 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). Bonus points will appear on your Starwood Preferred Guest statement 8-12 weeks after your first purchase. For questions regarding your Card account, please call the number on the back of your Card.
2 Welcome bonus offer not available to applicants who have had this product within the last 12 months: 15,000 Starpoints: To be eligible to earn 15,000 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 six months of Card Membership, based on the date of your Card approval. American Express reserves the right to modify or revoke offer at any time. You can earn 15,000 bonus Starpoints starting from the date your account is approved. In rare instances, your period to spend $5,000 may be shorter than 6 months if there is a delay in mailing your Card or a delay in merchants submitting transactions to us. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). Bonus points will appear on your Starwood Preferred Guest statement 8-12 weeks after you reach the spend threshold. For questions regarding your Card account, please call the number on the back of your Card.
3 Two Free Nights: 2 free nights are based on 2 nights in a standard room at a Category 5 property. 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.
4 Introductory Annual Fee: The annual fee for the Starwood Preferred Guest Business Credit Card will be waived for the first year of Card Membership. The annual fee will be $65.
5 Free Night / Flight Awards: No blackout dates apply to Free Night Awards, which apply to standard rooms only, as defined by each participating property; contact the property before booking to check availability.
I Earn up to 5 Starpoints for each dollar on eligible purchases: 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.
II Starpoints awarded by American Express. You will receive two Starpoints® from American Express for each $1 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.
[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.]
Starpoints awarded by Starwood. You will receive two Starpoints (or three Starpoints if you have Starwood Preferred Guest® elite status) from Starwood for each $1 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.
III Transfer to Frequent Flyer Programs: 5,000 Starpoints® bonus is awarded only when 20,000 Starpoints are transferred as part of the same transaction. For a list of participating airlines, transfer ratios and full program details, go to www.spg.com. Participating airlines and transfer ratio are subject to change. Check with your frequent flyer program for details on redemption of airline miles.
IV Global Assist® Hotline: While Global Assist® Hotline coordination and assistance services are offered at no additional charge from American Express, Card Members are responsible for the costs charged by third-party service providers. For full Terms and Conditions, see americanexpress.com/GAterms.
V Purchase Protection: 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, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. 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, 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 $1,000 per occurrence; not to exceed $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. 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.
VI Car Rental Loss and Damage Insurance: 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, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000101. 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. Coverage applies for the first 30 days of an auto rental and when rented from a Car Rental Company. 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. To be eligible for claim payment, your account must be in good standing. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. This product provides collision damage to the rented vehicle but does not cover such things as personal injury or personal liability, damages to other vehicles or property, or injury to other persons. For full Terms and Conditions, see americanexpress.com/CRLDIterms.