AmEx SPG Business Credit Card Review (2018.8 Update: 100k Marriott Points Offer)

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Starwood Preferred Guest Business Credit Card from American Express Review

2018.8 Update: The offer is back. 100k Marriott points is equivalent to 33.3k old SPG points. The changes of benefits have taken effect today.

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  1. 100k offer: earn 100,000 Marriott points after you make $5,000 in purchases within the first 3 months.
  2. Earn 6x Marriott points for each dollar of eligible purchases at participating SPG and Marriott Rewards hotels; 4x at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping; 2x Marriott points for each dollar on other eligible purchases.
  3. Receive a Free Night Award that you can redeem for a one-night stay at participating SPG and Marriott Rewards properties with a redemption level at or under 35,000 points (additional mandatory resort fees may apply) every year of Card Membership.
  4. Receive complimentary Marriott Silver Elite Status; earn Marriott Gold Elite Status after you spend $35,000 in eligible purchases in a calendar year. Note that in the new Marriott program, the most important benefits (such as: free breakfast, lounge access, suite upgrade) comes with Marriott Platinum and higher status, therefore the status earned on this card is not quite useful.
  5. Earn 15 elite nights each calendar year (elite nights are for status, not free nights).
  6. Complimentary Boingo Wi-Fi on up to four devices worldwide.
  7. With this card, you can get access to Amex Offer, which usually offers very good discounts at some stores, such as: spend $15 or more and get $5 back at Walmart; spend $75 or more and get $25 back on
  8. No foreign transaction fee.
  9. Refer a friend: You can earn 5,000 bonus SPG points for every approved account you refer, up to a maximum of 11 approved referrals (55,000 SPG Points) per calendar year.


  1. $95 annual fee, but waived for the first year. (The annual fee was raised on 2015.8.11, and the change applies to previous customers too.)

Introduction to SPG Points

  • SPG points and Marriott points can be transferred in both directions instantly at a 1:3 ratio.
  • You can earn SPG/Marriott points with AmEx SPG, Chase Marriott, Chase Ritz-Carlton, AmEx SPG Business, Chase Marriott Business.
  • SPG/Marriott points are stored in your SPG/Marriott account, not in your credit cards, so you won't lose your points by canceling the credit cards.
  • Your SPG points will expire if you don't earn or spend any SPG points in 12 months; your Marriott points will expire if you don't earn or spend any Marriott points in 24 months. As long as you earn make a purchase with the corresponding credit cards or stay in a hotel, or you redeem some points during the time frame, the point expiration date will be postponed accordingly.
  • The best way to use your SPG/Marriott points is to redeem for the Marriott Travel Packages: by spending [270k Marriott points (i.e. 90k SPG points)], you can get [a certificate for 7 consecutive nights at category 1~5 Marriott hotels] plus [132k UA miles or 120k AS/AC/AA etc. miles]. See A Complete Guide to the Marriott Travel Packages for more details. If you use SPG points in this way, the value can easily be 2.8+ cents/point. The only disadvantage is that you need to accumulate a huge amount of points first.
  • SPG points can be transferred to a lot of airlines miles (you don't have to have the AmEx SPG card to make the transfer), and the ratio is 1:1.25 (you get 5k bonus miles for every 20k SPG points you transfer at a time). The good options are: Alaska Airlines (AS)(Non-alliance), Japan Airlines (JL) (Oneworld), American Airlines (AA) (Oneworld), All Nippon Airways (ANA, NH) (Star Alliance), Korean Air (KE) (SkyTeam), etc. If you use SPG points in this way, the value is about 2.0 cents/point.
  • SPG/Marriott points can also be redeemed for hotel stays obviously. Here's the redemption chart for each category: SPG redemption chart; Marriott redemption chart. Generally speaking, you can get a better redemption value from lowest categories. If you use SPG points in this way, the value is about 2.4 cents/point.
  • In summary, we estimate that SPG points are worth about 2.4 cents/point.
  • For more information about SPG points, see Maximize the Credit Card Points Values (overview), and Introduction to SPG: How to Earn and Introduction to SPG: How to Use (very detailed).

Recommended Application Time

  1. You can only get the sign-up bonus once in a lifetime, so be sure to apply when the historical highest offer appears.
  2. AmEx doesn’t typically care about the number of hard pulls.
  3. You can try to apply for it when you have a credit history of 6 months.
  4. Only one AmEx credit card can be approved per day. This rule does not apply to charge cards, you can be approved for one credit card and multiple charge cards in the day. Multiple cards approved in the same day will only have one Hard Pull.
  5. Only 2 AmEx credit cards can be approved within 90 days, but again, this rule does not apply to charge cards.
  6. You can keep at most 5 AmEx credit cards, not including charge cards.


This card is pretty the same as the personal version. For most people, you only need to keep one of them (but obviously it’s worth to get both sign-up bonuses!). The only difference is that the business version gives you complimentary access to Sheraton Club lounge, so it is more worth keeping than the personal version.

This card is really similar to the personal AmEx SPG card. The earning rate 2x Marriott is just so so, not worth it. The annual FN offered by this card is capped at 35k per night. So you can use it at any Category 1-5 hotels in the new chart except Cat 5 high peak. By looking at previews of hotels under new chart, we find that Cat 5 can be found even in New York or Paris. This is definitely an upgrade from old Cat 1-5 FN, because it can hardly be used in any big city. We believe the new annual FN will be worth the annual fee.

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Recommended Downgrade Options

  • You can not downgrade this card to any card with no annual fee, so I suggest you close it when you don’t want to keep it any longer.

After Applying

  • Click here to check AmEx application status.
  • AmEx reconsideration backdoor number: 877-399-3083. The “real” backdoor number of Amex is well protected. Different from Chase, the representatives from this AmEx reconsideration backdoor number only have the right to help you submit requests.

Historical Offers Chart

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