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Update: These offers are expired. Learn more about the current offers here.
The current bonus is for 10,000 Starpoints after the first purchase, and an additional 15,000 Starpoints after spending $5,000 within six months. The nice thing about Starpoints is how versatile they are. They can efficiently be redeemed for hotel stays, and can also be converted to airline miles at a 1:1 ratio, with a 5,000 point bonus for every 20,000 points transferred. While this isn’t a “mega” sign-up bonus, Starpoints are probably the single most valuable points currency out there, and this is as high as I’ve ever seen the sign-up bonus.
I’ve received lots of questions about the card and offer, and figured I’d answer some of the most common ones here:
Can I earn the bonus for both the personal and business Starwood American Express Cards?
Yes! There’s a chance you may not be instantly approved for both on the same day, but you can absolutely earn the sign-up bonus on both cards.
If my spouse and I both apply for the cards, is it possible for us to pool our Starpoints?
Starwood actually does allow household points transfers, meaning you can transfer your Starpoints to another member’s account as long as they’ve had the same address on file as you for the past 30 days. It’s worth noting it usually takes a few days for the transfers to occur.
Is it possible to earn the two stays and five nights towards status annually through both the personal and business card?
As a Starwood Platinum member, one of the invaluable perks of the card which more than justifies the annual fee for me is that you get two elite qualifying stays and five elite qualifying nights towards status annually just for having the card. The best part is that you can earn that credit with both the personal and business cards, for a total of four stays and 10 nights towards status without making a single stay.
In the past I’d qualify for Platinum on stays, though for me this is what pushes me over the edge for qualifying on nights as well, which earns me 10 suite night awards per year.
If I apply for the card(s) now, do I still get the two elite stays and five elite nights towards status for this year?
While the stays/nights towards status typically post at the beginning of the year, if you apply now the stay and night credits would still post this year. It usually takes about 1-2 months for the elite stay/night credits to post.
Is it possible to get approved for the business credit card without a tax ID/EIN?
It is possible to be approved for the card as a sole proprietorship. Just put your name (or anything else you’d like to put) as the business name, your social security number as the tax ID, and be honest about your business/income.
Do the benefits differ at all between the business and personal card?
Aside from the standard differences between a business and personal card (consumer protection, how it reports on your credit score, etc.), it’s worth noting that the Starwood Business Card qualifies for the American Express OPEN Savings program. For example, you can receive discounts of 5-10% with Hertz, Hyatt, FedEx, etc. I always find it a bit ironic that the best credit card with which to pay a Hyatt stay is the Starwood Business Card.
If I apply for these cards now, which other cards does it make sense to apply for at the same time?
A lot of people like to apply for several credit cards on the same date, the reason being that the (minor) impact of your credit inquiry typically doesn’t show up on your report till the next day or so. With that in mind, some good non-American Express complements for the Starwood Cards would be:
- Chase Sapphire Preferred® Card
- British Airways Visa Signature® Card
- Fairmont Visa Signature® Card
- Chase Hyatt Visa Card
- Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
- Citi® Hilton HHonors™ Reserve Card
- Club Carlson Premier Rewards Visa Signature® Card
- Barclays Arrival Plus™ World Elite Mastercard®
- Club Carlson Business Rewards Visa Card
- Ink Bold® Business Charge Card and Ink Plus® Business Credit Card
If anyone has any other questions on the cards, please let me know!
- Starwood Preferred Guest® Credit Card from American Express
- Starwood Preferred Guest® Business Credit Card from American Express
Non-Affiliate Product Disclaimer: The information for the Fairmont Visa Signature® Card has been collected independently by One Mile At A Time. The card details on this page have not been reviewed or provided by the card issuer.