I receive compensation for many links on this blog. You don’t have to use these links, but I am grateful to you if you do. American Express, Citibank, Chase, Capital One and other banks are advertising partners of this site. Any opinions expressed in this post are my own, and have not been reviewed, approved, or endorsed by my advertising partners. I do not write about all credit cards that are available -- instead focusing on miles, points, and cash back (and currencies that can be converted into the same).
Both cards offer $0 introductory annual fees for the first year, then $95.
Interestingly, the business card is better than the personal one.
Both have three new benefits effective August 11:
- No Foreign Transaction Fees
- Complimentary, Unlimited Boingo Wi-Fi
- Complimentary Premium In-Room Internet Access
But the small business card also had access to Sheraton Club Lounges added.
And that’s on top of the business card already getting statement credit rebates as part of the OPEN savings program (for American Express small business cards).
What’s more, past business cardholders may be eligible to apply again and still receive a signup bonus if they haven’t had the product in a year.
The Starwood American Express business card is better than the personal one although I have them both (since they each give me 2 stays and 5 nights to help requalify for my Starwood Platinum status).
I really don’t know why American Express and Starwood chose to make the business card better at the same price point, though I imagine spend volume on the business cards tends to be higher than on personal cards.
OPEN savings (automatic rebates for using the card with particular merchants) isn’t specific to the Starwood card but is something on all Amex business cards (and Visa/MasterCard have similar programs for business cards as well).
Plus the thinking may be that club lounge access is uniquely appealing to small businesses (since there’s some savings on price sensitive travel, and lounges in the US are mostly used by business travelers during the week).
Both cards are among the better out there. I believe they’re the best hotel cards by far, because they earn the most valuable hotel points currency. I use them for unbonused spend, because each Starpoint is worth 2.2 cents to me. They’re the most valuable and versatile currency, transferring 1:1 to the most airline programs in addition to being useful for hotels.