Starwood Preferred Guest Business Credit Card from American Express issued by American Express
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. The Starwood Preferred Guest® Business Credit Card from American Express is designed for business owners with good credit who frequently stay at Starwood hotels and resorts and plan to take advantage of the various benefits and services that are provided. In reference to the reward program, one point is earned for every dollar spent on the card and double points are earned at participating Starwood properties and retail outlets. Points can be redeemed for various travel services, such as free hotel stays and airline travel. Cardholders also earn 10,000 bonus points after their first purchase, which is enough for up to three free nights. Points do not expire as long as the account is active within a one-year period. Perhaps what is most impressive about the program is the fact that cardholders can transfer earned points to a variety of frequent flyer programs. Aside from the reward program, the card does offer a variety of benefits such as emergency card replacement and various travel and emergency assistance services. Cardholders will also receive access to the OPEN Savings Network for discounts on products and services at participating merchants and retailers. The interest rate for purchases is considered high, but there is a low introductory rate for purchases and balance transfers for the first six months. There is an annual fee of $45. Therefore, those who can afford to pay in full each month after the introductory rate expires (to avoid finance charges) and frequently stay at Starwood hotels and resorts (to earn additional points) will benefit most from what the Starwood Preferred Guest® Business Credit Card from American Express has to offer. Most Attractive Feature: Additional points offered to those who stay at Starwood hotels and resorts; bonus points. Least Attractive Feature: Points expire if the account is not active within a one-year period. Apply Now For Starwood Preferred Guest Business Credit Card from American Express Note: The review of this American Express card was updated on 06/18/2008 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Introductory Rates and Terms
Intro Rate:	2.9% APR for 6 Months
Applied Towards:	Purchases, Balance Transfers
Details:	The introductory rate is only available on balance transfers submitted during the application.
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum)
Purchases APR:	Prime + 9.99%
Cash Advance APR:	19.99%
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	20 Days
Fees Associated with this Card
Annual Fee:	$45** **The annual fee will be waived for the first year. Thereafter, the fee is $45.
Add. Cardholders:	$0
Late Payment Fee:	$19 on balances up to $400 and $38 on balances of $400 and over
Over-the-Limit Fee:	$35
Cash Advance Fee:	3%, $5 minimum for Express Cash transactions
Balance Transfers:	There is no balance transfer fee associated with this offer. However, future balance transfers may incur a fee as disclosed at the time of the applicable transaction.

The Rewards Program Highlights
Optional Reward:	No
Points Per Dollar:	1 Point
Additional Points:	Cardholders earn double points for stays at participating Starwood hotels and resorts and purchases made at select Starwood retail outlets.
	Starpoints can be redeemed at over 860 participating Starwood hotels and resorts in 95 countries with no blackout dates, and they can be transferred to over 30 major airlines.
Expiration:	1 Year (Points do not expire as long as the account is active within a 1-year period.)
First Purchase Bonus:	10,000 Points***
	***Earn 10,000 bonus points with the first purchase, which is enough for up to 3 free nights.

Additional Highlights of Interest

Special Card Benefits and Features Various Internet account related services. No liability for unauthorized Internet transactions. Access to the OPEN Savings Network. Discounts on products and services at participating merchants and retailers. Cardholder is upgraded to Gold Preferred status when their spending is $30,000 in a calendar year. Emergency card replacement. Emergency cash replacement. Various travel and emergency assistance services. See website for additional benefits. Important Notes Regarding This Offer Card is currently unavailable to residents of Puerto Rico. See website for complete terms and conditions of card usage and application disclosure.