This Card Has a Best-Ever Sign-Up Bonus and Does NOT Count Against Chase’s 5/24 Rule

Disclosure: We get a commission for links on the blog. You don’t have to use our links, but we’re very grateful when you do. American Express, Barclaycard, Chase, and US Bank are Million Mile Secrets advertising partners. Opinions expressed here are the author's alone, and have not been reviewed, approved or endorsed by our partners. Here’s our Advertiser Disclosure.

Through April 5, 2017, you can earn up to 35,000 Starwood points on both the Starwood Preferred Guest American Express personal and small business cards after meeting tiered minimum spending requirements.

I’ve written why this is a great offer.  But did you know that applying for the small business version of the AMEX Starwood card will NOT hurt you chances of being approved for Chase cards in the future?

That’s important, because Chase has some of the best travel rewards cards.  And the easiest and fastest way to get Big Travel with Small Money is to sign-up for credit cards with big bonuses.

This Card Has A Best Ever Sign Up Bonus And Does NOT Count Against Chases 524 Rule

The Sign-Up Bonus From the AMEX Starwood Small Business Card Is Enough for a Free Night at the Stunning St. Regis Princeville Resort. And It Will NOT Count Against Chase’s 5/24 Rule

I’ll share the details of the AMEX Starwood small business card offer.  And help you decide whether it might make sense for you!

About the AMEX Starwood Small Business Card Offer

Link:   Starwood Preferred Guest® Business Credit Card from American Express

Link:   How to Fill Out an American Express Business Card Application

With the AMEX Starwood small business (and personal!) card you can earn up to 35,000 Starwood points after meeting tiered spending requirements..  But you must apply by April 5, 2017.

You’ll earn 25,000 Starwood points after spending $5,000 within the first 3 months of account opening.  And another 10,000 Starwood points after spending an additional $3,000 within the first 6 months of opening your account.

This Card Has A Best Ever Sign Up Bonus And Does NOT Count Against Chases 524 Rule

10,000 Extra Starwood Points Gets You 2 Weekday Nights at Category 2 Starwood Hotels, Like the Sheraton Dallas Hotel by the Galleria

The sign-up bonus on these cards has only been this high once before.  And because of the Marriott-Starwood merger, I’m not sure how long they’ll stick around.  So if you’ve been considering the personal or small business version of this card, now is a great time to apply!

That said, I almost always suggest getting any Chase cards you want first because of Chase’s stricter approval rules.  If you’ve opened ~5+ credit cards from any bank (except these business cards) in the past 24 months, it’s unlikely Chase will approve you most of their cards.

However, the AMEX Starwood small business card will NOT affect your chances of being approved for Chase cards in the future.  Because it does NOT count against Chase’s 5/24 rule!

So if you’re new to miles & points, you could take advantage of the limited-time higher offer on the AMEX Starwood small business card AND get the Chase Sapphire Preferred (my favorite card for beginners!), for example.

This Card Has A Best Ever Sign Up Bonus And Does NOT Count Against Chases 524 Rule

The Sign-Up Bonus From the Chase Sapphire Preferred Is Worth $625 in Travel Booked Through Chase’s Travel Portal

Or you could consider the Chase Southwest cards if you’re trying to earn the Southwest Companion Passthe best deal in travel!

If you’re unsure of your 5/24 status, here’s how to check it.  And here’s how to earn big miles & points with these 7 quick small business ideas.

Bottom Line

You can earn up to 35,000 Starwood points through April 5, 2017, after meeting tiered minimum spending requirements with the AMEX Starwood small business (and personal!) card.

Not only is this a great offer, but applying for the AMEX Starwood small business card does NOT count against Chase’s 5/24 rule!  So it won’t affect your chances of being approved for Chase cards in the future.

Do you plan on applying for the AMEX Starwood small business card?

* If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Editorial Disclaimer: Neither the responses below nor the editorial content on this page are provided or commissioned by the bank advertisers, and have not been reviewed, approved or otherwise endorsed by the bank advertisers. Opinions expressed here are the author’s alone, not those of the bank advertisers. It is not the bank advertisers’ responsibility to ensure all posts and/or questions are answered.

Leave a Reply

Your email address will not be published. Required fields are marked *

6 responses to “This Card Has a Best-Ever Sign-Up Bonus and Does NOT Count Against Chase’s 5/24 Rule

  1. Thanks for being transparent with the Chase rules but the missing piece which should have been stated is that if you ever had a bonus on this card you cannot get the bonus again.

    Unless something has changed with AMEX, I’m out.

  2. Debbie DeLosada Pulizzano

    I signed up for Am Ex bus gold card did not receive points after 5k spend. When I called they said I had recd bonus points in 2013 that’s 4 years ago. Do you know what am ex point timing is?
    Thanks , Debbie

  3. What are Amex rules for getting the bonus, for personal and for businesses cards? Is it once in a lifetime?

    • You can only get the bonus once per lifetime. If you had the personal card, you can still get the bonus on the business card or vice versa.
      Also, if you know anybody that already has the card, they can get 5000 Starpoints if you apply using their link. My wife already has the card and I was able to get her 5000 Starpoints when I signed up for the card using her referral link.

  4. You can still get a 100,000 point(Ultimate Rewards) bonus on the Chase Sappire Reserve if you apply in a branch. I think that would make more sense than getting the Sapphire Preferred right now, because the 100,000 point UR bonus is going away soon.

  5. Does the SPG personal (not small business) count towards the chase 5/24 rule??