American Express, Marriott, Starwood

Ends today: 100k SPG Business Amex Offer

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If you have been on the fence about applying for the Starwood Preferred Guest Business Credit Card from American Express, then consider that the 100,000 point welcome bonus is set to go away on Weds Oct 31st.

My own SPG Amex card

It’s been sitting at this level since the summer, when the SPG Amex welcome bonuses had disappeared entirely and then returned at current levels in August. The 100,000 point welcome bonus for the business card has been a great one, especially since it doesn’t count against one’s 5/24 status.

[Also see: Hotel Credit Cards and Bonus Offers]

The welcome bonus is worth about $800, using the MilesTalk valuation of Marriott points of 0.8 cents each. 

The card has a $95 annual fee which is waived the first year. It also comes with an annual free night valued at up to 35,000 Marriott points (at renewal), Silver status in the Marriott Rewards program, 15 elite credits per year (starting in 2019 and limited to one credit regardless of how many SPG/Marriott credit cards you have).

It earns as follows:

  • 6 points per dollar at eligible purchases at participating SPG® and Marriott Rewards® hotels.
  • 4 points per dollar at U.S. restaurants,  gas stations, on wireless telephone services purchased directly from U.S. service providers and on shipping (US providers only)
  • 2 points per dollar on all other eligible purchases.

Now, you should keep a few things in mind:

  1. You will NOT be eligible if you have previously had this card.
  2. You will NOT be eligible if you have or had the Marriott Rewards Premier Business Credit Card from Chase or Marriott Rewards Business Credit Card from Chase in the last 30 days
  3. You will NOT be eligible if you have or had The Marriott Rewards Premier Plus Credit Card from Chase or The Marriott Rewards Premier Credit Card from Chase in the last 90 days
  4. You will NOT be eligible if you have received a welcome offer in the last 24 months on The Marriott Rewards Premier Plus Credit Card from Chase or The Marriott Rewards Premier Credit Card from Chase

And if that isn’t enough, you may still get a message when you head to apply that you are not eligible for any other reason.

Additionally, this card earns at a rate that is 1/3 less than it used to. That is because it used to earn 1 Starpoint per dollar which became 3 Marriott points. Now, on every day spend, this card earns 2 points per dollar.

Still, if you meet the eligibility criteria, that’s 100,000 Marriott points – and they are increasingly getting harder to earn. Not only that, but now until the end of December is also the best value you’ll probably ever get from spending them.

And lastly, given the incorporation of the SPG brand into Marriott, it’s unclear if the SPG cards will continue to be offered long term.

[Also see: Hotel Credit Cards and Bonus Offers like this card]

Will you get this card? Let me know here, on Twitter, or in the private MilesTalk Facebook group.

New to all of this? My new “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available now.