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AMEX Starwood Business Card 25,000-Point Offer (It Might Not Be Around Forever!)

AMEX Starwood Business Card 25,000-Point Offer (It Might Not Be Around Forever!)

Million Mile SecretsAMEX Starwood Business Card 25,000-Point Offer (It Might Not Be Around Forever!)Million Mile Secrets Team

Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.

Many savvy Million Mile Secret Agents like to carry an AMEX Starwood card in their wallet.  Because making purchases with the card earns you flexible Starwood points, which you can redeem to save money on amazing hotel stays, flights, and much more!

If you qualify for small business cards, you might consider the Starwood Preferred Guest® Business Credit Card from American Express.  The sign-up bonus is the same as the AMEX Starwood personal card.  Although, the minimum spending requirement is slightly higher.

But with the AMEX Starwood small business card, there are a few added perks and benefits that are NOT available on the personal version.  Plus, there are no strict income requirements to get approved for AMEX small business cards.  This is great news if you’re just starting a side hustle and want a small business card to earn rewards and organize your expenses.

American Express Starwood Business Card Review

When you sign-up for the AMEX Starwood small business card, you’ll earn 25,000 Starwood points after making $5,000 in purchases within the first 3 months of account opening.  The minimum spending requirement is $2,000 more than the AMEX Starwood personal card.

This isn’t the best sign-up bonus offer we’ve seen on the card.  But previous deals included much larger tiered minimum spending requirements.  And I’m not sure if we’ll see a better offer for this card in the near future (or ever).

These perks on the AMEX Starwood small business card are similar to what you’ll get with the personal version:

The stay and night credits are valuable for folks looking to earn or keep Starwood elite status.  Remember, you can use your Starwood status to get an automatic match with Marriott.

American Express Starwood Business Card Review
Free Stay Credits as an AMEX Starwood Cardholder Makes It Easier to Earn Elite Status, Which Is Useful If You Want a Room Upgrade to a Spacious Suite at the W Los Angeles – West Beverly Hills

And with the small business version of the AMEX Starwood card, you’ll also get:

Some folks, including Million Mile Secrets team member Harlan, keep the AMEX Starwood small business card just for the lounge access perk.  This can be a very useful benefit for folks who stay at Sheraton brand hotels.  Because you can avoid eating out every meal when traveling.  So you can save money by eating breakfast, afternoon snacks, or evening hors d’oeuvres at the hotel.

I recommend checking what time snacks are set out at the lounge because sometimes the food disappears quickly!  I promise it’s not always me getting there first! 😉

American Express Starwood Business Card Review
Breakfast, Lunch, and Dinner Snacks at Sheraton Club Lounges Usually Include Something for Everyone to Enjoy

The AMEX Starwood small business card card has a $95 annual fee that’s waived for the first year.  So you can try it out for ~10 months, then decide if it’s worth keeping.

Note:   You’re only eligible to earn AMEX sign-up bonuses once per card per lifetime.  Keep in mind, if you only have had the AMEX Starwood personal card, you can still earn the sign-up bonus on the small business version, or vice versa.  Because the personal and small business versions of the card are considered different card products.  

You’re Not Limited to Using Starwood Points for Hotel Stays

The best redemption option for most hotel points is to book free nights at the chain’s hotels.  That’s not necessarily the case with Starwood points.

You can use Starwood points for:

New cardmembers will have at least 30,000 Starwood points after getting the card and meeting the minimum spending requirements (25,000-point sign-up bonus + at least 5,000 points from minimum spending).  That’s enough for 10 free nights at the Category 2 Aloft Ontario-Rancho Cucamonga, which is just ~1 hour drive from Los Angeles.  Or you can splurge for a special occasion and use 30,000 Starwood points for one free night at top-tier luxurious hotels like The St. Regis Aspen.

American Express Starwood Business Card Review
Planning a Ski Getaway to Aspen? Redeem Starwood Points for a Special Occasion and Book a Free Night at The St. Regis Aspen

Some folks might prefer to use fewer points and pay a little cash to make the 30,000 points last longer.  With 30,000 Starwood points and $450 in cash, you could spend 6 nights at Aloft London Excel by booking a Cash + Points stay.

American Express Starwood Business Card Review
Stretch Your AMEX Starwood Sign-Up Bonus by Booking Cash + Points Stays in Fun Destinations Like London!

And with the Marriott-Starwood merger, you can also instantly convert Starwood points to Marriott points at a 1:3 ratio.  So 30,000 Starwood points can get you 90,000 Marriott points!  That’s enough for 5 free nights at Category 3 Marriott hotels.  Or a free night at luxurious Ritz-Carlton hotels.

But one of my favorite ways to use Starwood points is to transfer them to airlines.  Besides having lots of fantastic Starwood airline partners (like American Airlines, Alaska Airlines, Delta, and many others), you get a 5,000 mile bonus for every 20,000 Starwood points you transfer to airlines with a 1:1 transfer ratio!

For example, you can transfer 20,000 Starwood points to Singapore Airlines.  With the transfer bonus, you’ll have 25,000 Singapore Airlines miles.  If you book a flight on partner Alaska Airlines, you’ll have more than enough miles book a round-trip coach award flight to Hawaii from West Coast cities like Los Angeles, San Francisco, and Seattle.

If you use points from the AMEX Starwood small business card sign-up bonus and minimum spending this way, you’ll still have 10,000 Starwood points remaining, which is enough for a free night at a Category 4 Strarwood hotel!

American Express Starwood Business Card Review
Converting Your Starwood Points to Airline Miles Is One of My Favorite Ways to Use These Flexible Hotel Points!

Are You Better Off With the Chase Marriott Business Card?

Link:   If You Don’t Know This AMEX Secret, You’re Missing Out!

Link:   Marriott Rewards Premier Business Credit Card

Because you can instantly convert Starwood points to Marriott points, and vice versa, some folks might be wondering if the Chase Marriott small business card is better than the AMEX Starwood small business card.

It depends on your travel preferences and spending habits, but if I had to choose one, I’d pick the AMEX Starwood card.

The sign-up bonus and minimum spending points are worth more with the AMEX Starwood card.  With the AMEX Starwood small business card, you’ll have 30,000 Starwood points, which you can convert to 90,000 Marriott points.  That’s 12,000 more Marriott points than you’d get by signing up for the Chase Marriott small business card and meeting the minimum spending requirements.

American Express Starwood Business Card Review
If You’re Looking to Earn the Most Points (Sign-Up Bonus + Minimum Spending), the AMEX Starwood Card Is a Better Option! More Points = More Travel, Like Beach Getaways!

Plus, there’s been a lot of speculation in the miles & points hobby about what’s next for the AMEX Starwood card.  Following the Marriott-Starwood merger, I said it’s likely the AMEX Starwood card could eventually be discontinued.

And recently, I shared that AMEX signed a deal with Marriott to begin issuing new co-branded cards (“AMEX Marriott cards”) some time in 2018.

So with uncertainty around the AMEX Starwood small business card, you might consider applying soon.  Because you can boost your Starwood points balance now and still be eligible to apply and earn the sign-up bonus on new AMEX card products in the future!

Don’t forget, AMEX small business cards do NOT appear on your personal credit report.  So opening this new account won’t count toward card limits other banks have, like Chase.

Bottom Line

When you sign-up for the AMEX Starwood small business card, you’ll earn 25,000 Starwood points after meeting minimum spending requirements.  Between the sign-up bonus and minimum spending, you’ll have at least 30,000 Starwood points.

Starwood points are popular flexible rewards to earn because there are so many ways to use points, including:

And you can instantly convert Starwood points to Marriott points at a 1:3 ratio.

As an AMEX Starwood small business cardholder, you’ll get access to Sheraton Club Room lounges.  This is a terrific perk, which can save you money on breakfast, afternoon snacks, or evening hors d’oeuvres when you’re traveling and staying at Sheraton brand hotels.

Don’t forget, AMEX small business cards do NOT appear on your personal credit report.  So opening a new account won’t count toward card limits other banks have, like Chase.

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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Does applying for the SPG Business AMEX affect the Chase 5/24 rule?

Million Mile Secrets

@Tom - Ryan is correct. AMEX small business cards don't appear on your personal credit report, so they won't count toward your Chase 5/24 card limit. Here's a post with more details:

https://millionmilesecrets.com/2016/05/31/if-you-dont-know-this-amex-secret-youre-missing-out-big-time/