A Credit Card Sign-Up Bonus Worth 52,000 Miles In Your Choice Of Program

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Through March 28, 2018, the Starwood Preferred Guest® Business Credit Card from American Express is offering an increased sign-up bonus of 35,000 Starpoints. Specifically, you can earn 35,000 Starpoints after spending $7,000 within three months. We’ve never seen a bigger sign-up bonus on this card than 35,000 Starpoints upon completing minimum spend.

Personally I value Starpoints at ~2.2 cents each, so to me the sign-up bonus is worth ~$770, which is a huge value to get from a single bonus. What makes Starpoints so valuable is how flexible they are, as you can redeem Starpoints directly for hotel stays, transfer them to Marriott at a 1:3 ratio, or convert them into airline miles.

How to earn 52,000 miles with this sign-up bonus

For someone who prefers sign-up bonuses that earn you airline miles over sign-up bonuses that earn you hotel points, the good news is how easily you can transfer these points out. Starpoints convert into nearly three dozen mileage currencies, mostly at a 1:1 ratio:

Aegean Airlines Miles+BonusAmerican Airlines AAdvantageHainan Airlines Fortune Wings ClubQatar Airways Privileges Club
AeroMexico Club PremierAsiana Airlines Asiana ClubHawaiian Airlines HawaiianMilesSaudi Arabian Airlines Alfursan
Air Canada AeroplanBritish Airways Executive ClubIberia PlusSingapore Airlines KrisFlyer
Air China CompanionCathay Pacific Asia MilesJapan Airlines (JAL) Mileage BankThai Airways Royal Orchid Plus
Air France/KLM FlyingBlueChina Eastern Airlines Eastern ClubJet Airwaystopbonus loyalty
Air New Zealand Air PointsDelta Air Lines SkyMilesKorean Air SkypassUnited Mileage Plus
Alaska Airlines Mileage PlanEmirates SkywardsLATAM Airlines LATAMPASS KmsVirgin Atlantic Flying Club
Alitalia MilleMigliaEtihad Airways GuestLifeMiles of AviancaVirgin Australia Velocity
ANA Mileage ClubGol SmilesLufthansa Miles & More

Best of all, you get a 5,000 point bonus for every 20,000 points transferred, meaning that you’re really earning 1.25 miles per dollar spent.

If you signed up for the SPG Business Amex and completed the minimum spend, you’d have 42,000 Starpoints. Since you get a 5,000 point bonus for every 20,000 points transferred, that means you’d receive a total of 52,000 miles in your choice of programs.

Want 52,000 Alaska miles, so you can redeem for travel in Cathay Pacific first class? Done.

Or 52,000 Japan Airlines miles, so you can redeem for travel in Emirates first class? That works too.

Getting over 50,000 miles in your choice of programs is a pretty compelling sign-up bonus, if you ask me, especially since many of these are programs that don’t have their own co-branded credit card in the US.

There are many reasons you may want to hold onto the SPG Business Amex long term, including the two elite qualifying stays and five elite qualifying nights offered towards status annually, access to Sheraton club lounges, and premium internet when staying at Starwood properties.

Getting approved for the SPG Business Amex Card

When it comes to getting approved for this card, anecdotally Amex business cards are fairly easy to get approved for, assuming you have excellent credit:

You can typically have at most five American Express credit cards at a time, so that’s the major limit to be aware of. The sign-up bonus on this card also isn’t available to those who currently have this card, or those who have had the card in the past. However, if you only have the personal version of the card (the Starwood Preferred Guest® Credit Card from American Express) then you are still eligible for the business version of the card.

Bottom line

If you don’t yet have the SPG Business Amex then I’d highly recommend applying — this is the best bonus we’ve seen, and I doubt we’ll see a bigger sign-up bonus anytime soon. Being able to get 52,000 miles in your choice of nearly three dozen programs after completing minimum spend is pretty compelling. That’s in addition to the great ongoing perks that the card offers, including Sheraton lounge access.

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Comments

  1. I have had the SPG Personal Amex for almost a year and was about to get the Business Amex with this elevated bonus. Of course, just yesterday, I got a spending offer on my existing card that offers 5,000 bonus points with $5,000 spend. Do it 2x for a total of 10,000 bonus points all by June 5. Not great, but something. This complicates matters as this would be a good amount of spend in such a short period of time adding in the Business Amex. I’m also not sure I’d want to have two SPG cards each with $95 fees.

    On the other hand, these SPG points have great redemptions, particularly with conversion to Marriott and their Hotel and Air Packages.

  2. @Tim, if you can meet $7k spend, go for the SPG business. You can easily call in and also for retention offer for the personal. I got 7k bonus pts after $1k spend. There had even been higher offers.

  3. I am a bit confused about business credit cards. Can anyone tell me if I really need to own a business to be eligible to apply?

  4. @Tim, if you are able to meet $7k spend, definitely go for the business! You can easily call in for a retention offer for that personal (usually at least 7k after $1 or $2k spend). You can always cancel business version before 2nd year kicks in.

  5. Being 5/24 and wanting to get a Chase card once I am 4/24 I would still be able to get this card then my Chase card ? So won’t ruin my /24 status for Chase?

  6. Is there a way to tell if you have had this card in the past and therefore are ineligible for the bonus? I think I may have had it 15 years ago but it my have been the personal one.

  7. @Tigris:
    Thanks for the advice. I just burned through 120k SPG points on a 7 night cat 8 stay in Maui with 120k Alaska miles thrown in.

    Some of those SPG points were bought. Will be nice to reload a bit with that 35k.

  8. Has anyone recently gotten the personal SPG AmEx and then the Business SPG AmEx and been denied the sign-up bonus? Sometimes the fine print says only one sign-up bonus per lifetime for the same *type* of product. I just got approved but want to know if anyone’s had issues before I move all spend to the new card.

  9. I hate to be obtuse, but I have the same question as Dan@SEA. I do some personal consulting work, is that enough to qualify?

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