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American Express® for Small Business - Built for Business Owners
The Starwood Preferred Guest Business Credit Card from American Express Canada
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Important changes are coming to the Marriott Rewards program. Please visit the Marriott Rewards program site at http://members.marriott.com/ for more details regarding these changes.
Earn Starpoints®**

Earn 2 Starpoints®** for every dollar of eligible purchases charged to the Card at participating SPG®** & Marriott Rewards®* hotels from November 15, 2016 through July 31, 2018.19 Earn 1 Starpoint for every $1 in all other purchases charged to the Card.1 That’s in addition to the Starpoints you earn as a Starwood Preferred Guest member at over 1,300 hotels and resorts in nearly 100 countries.

Redeem Starpoints through the Starwood Preferred Guest program§3
No blackout dates – redeem Starpoints for Free Nights and Flights at the world’s most desired destinations anytime.17
Bonus Starpoints®**
Earn a statement credit of $100 after you charge $1,500 in purchases to your Card in the first 3 months of Cardmembership.4 You can also earn a $150 statement credit after you charge $200 or more in purchases to your Card at participating Starwood or Marriott properties in your first 6 months of Cardmembership.4
Business benefits built with business owners in mind
Enjoy flexible benefits that can help you grow your business further, and coverage that can safeguard what you’ve worked hard to achieve.
Safeguard the things that are most important
Travel and shop for business or pleasure and The Starwood Preferred Guest Business Credit Card offers extensive coverage – for you, and your business.
Rewards Program
Earn 1 Starpoint for every $1 in purchases charged to your Credit Card.1
Type of Card
Credit Card – flexibility to pay balances over time
Annual Fee
$150 annual fee which may be tax deductible.2
Supplementary Cards
$50 annual fee8
Annual Interest Rate
The preferred rate for purchases is 19.99% and funds advances is 22.99%18
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How this card benefits owners
Not only can you earn Starpoints when you stay at participating hotels and resorts, but your everyday business expenses – like couriers, office supplies, inventory and travel – can reward you and your business when you pay for them using the Credit Card.
Rewards at a Glance
  • Earn up to $250 in Statement Credits.4
  • You can earn 2 Starpoints for every dollar of eligible purchases charged to the Card at participating SPG®* and Marriott Rewards®* hotels from November 15, 2016 through July 31, 2018.19
  • Earn 1 Starpoint for every $1 in all other purchases charged to the Card.1 That's in addition to the Starpoints you earn as a Starwood Preferred Guest member at over 1,300 hotels and resorts in nearly 100 countries.
  • Receive a Free Weekend Night Award at hotels and resorts worldwide when you reach $40,000 in purchases on the Card each year.5
  • Automatic upgrade to Starwood Gold Preferred Guest membership when you reach $30,000 in purchases on the Card each year.6
 
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Benefits built with business owners in mind.
Enjoy flexible benefits that can help you grow your business further, and coverage that can safeguard what you've worked hard to achieve.
Key Benefits for your Business
Key benefits for you and your business
  • Business Savings and expense management tools and resources
  • Business and travel insurance benefits and services
  • Dedicated business servicing representatives
  • American Express Invites™ opens the door to great music, theatre, dining, film, fashion and shopping experiences. Be among the first to know, and among the first to go!7
  • The flexibility to pay balances in full or over time
  • $150 annual fee which may be tax deductible2
Account Management Tools
Account Management Tools & Business Resources
  • Payment Flexibility: Leverage your cash flow with the option of carrying a balance or paying in full each month
  • Add a Supplementary Card and the first year’s annual fee is on us8. That’s a value of $50*: Supplementary Cards accumulate Starpoints on your Starwood Preferred Guest account, so you have an opportunity to maximize the Starpoints you can earn.
Business Coverage
Business Coverage & Assistance
  • Disability Plan for Small Business9†: Your Company can benefit from coverage for the financial hardships caused by permanent, total disability. If you, as a Sole Proprietor, become permanently, totally disabled as a direct result of an accidental injury, you are eligible to receive up to $10,000 in benefits. Benefits increase with the length of Card membership. After two years, benefits increase to a maximum of $25,000. After six years, the maximum amount is $50,000.
  • Employee Card Misuse Protection10: Your Card may be covered for eligible unauthorized charges if you terminate the Supplementary Cardmember and cancel their Card within 2 business days. Employee Card Misuse Protection is a benefit created specifically for business owners and it provides coverage of up to $100,000 per Cardmember in case employees misuse their employee Card for unauthorized charges.
  • Buyer's Assurance® Protection Plan16†: Automatically doubles the manufacturer's original warranty up to one additional year when you charge the full purchase price to your Starwood Preferred Guest Business Credit Card from American Express.
  • Purchase Protection® Plan18†: Automatically, without registration, insures your eligible purchases against accidental physical damage and theft when you use your Starwood Preferred Guest Business Credit Card from American Express.
  • Dedicated Customer Service: Get information about Card benefits or online account management from specially trained Small Business service specialists. Simply dial the number on the back of your Card and enter your Card number to reach a Business specialist.
  • Emergency Card Replacement: If your Card is ever lost or stolen, we’ll arrange a new Card as quickly as possible. If it happens in a remote part of the world, arrangements can be made to have a Card waiting at a point along your itinerary. Simply call 1-888-721-1046.
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Safeguard the things that are most important.
Travel for business or pleasure and the Starwood Preferred Guest Business Credit Card offers extensive coverage.
Travel Coverage
  • $500,000 Travel Accident Insurance11†: Up to $500,000 of Accidental Death and Dismemberment Insurance covers you, your spouse and dependent children under the age of 23 when any of you travel on a common carrier (plane, train, bus or ship) and charge your tickets to your Starwood Preferred Guest Business Credit Card from American Express. Supplementary Cardmembers, their spouses and dependent children under age 23 are also covered.
  • Flight Delay Insurance12†: Charge your airline ticket to your Starwood Preferred Guest Business Credit Card from American Express, and receive up to $500 coverage (aggregate maximum with Baggage Delay Insurance) for hotel, motel, restaurant expenses and other sundry items.
  • Baggage Delay Insurance13†: Book a flight with your Starwood Preferred Guest Business Credit Card from American Express and receive up to $500 coverage (aggregate maximum with Flight Delay Insurance) for reasonable and necessary emergency purchases.
  • Lost or Stolen Baggage Insurance13†: When you fully charge your airline tickets to your Starwood Preferred Guest Business Credit Card from American Express, you can receive up to $500 coverage for loss or damage to your luggage or personal effects while in transit.
  • Hotel/Motel Burglary Insurance13†: Automatic coverage of up to $500 against the loss of most personal items (excluding cash) if your hotel or motel room is burglarized. Coverage is in effect as long as you have fully booked and paid for your accommodations with your Starwood Preferred Guest Business Credit Card from American Express.
  • Car Rental Theft and Damage Insurance14†: Save money when travelling with Car Rental Theft and Damage Insurance. Where allowed by law, you will be automatically covered for damage or theft of your rental car with an MSRP of up to $85,000. To take advantage of this protection, simply decline the Loss Damage Waiver (LDW) or similar option offered by the car rental company, and fully charge your rental to your Starwood Preferred Guest Business Credit Card from American Express. There's no additional charge for this coverage, and you save yourself the daily insurance fee (usually $16 to $23 per day) charged by the car rental company.
  • Travel Emergency Assistance15: Provides out-of-town emergency medical and legal referrals by telephone, 24 hours a day, 7 days a week. 
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Redeem Starpoints through the Starwood Preferred Guest program§
No blackout dates – redeem Starpoints for Free Nights and Flights at the world’s most desired destinations anytime.17
Redeem
  • Redeem Starpoints at over 1,300 hotels and resorts in nearly 100 countries for Free Nights3 at 9 distinct hotel brands including St. Regis, The Luxury Collection, W Hotels, Le Méridien, Westin, Sheraton, Aloft, Element, and Four Points. Learn more at www.spg.com.
  • Use Starpoints for flights on over 150 airlines with no blackout dates with SPG Flights.17 Learn more at www.spg.com/flights.

* Subject to approval. The preferred rate for purchases is 19.99% and funds advances is 22.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details. Maximum of 99 Supplementary Cards. Supplementary Card applicant must be the age of majority.

§The Starwood Preferred Guest program is operated by or on behalf of Starwood Hotels & Resorts Worldwide, LLC (a subsidiary of Marriott International, Inc.) and is subject to terms, conditions and restrictions. For details, please see www.spg.com.

 
1.

 

Account must be in good standing. Starpoints will be earned on the amount of all eligible purchases, less credits and returns. Funds advances, interest, Amex cheques, balance transfers, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Starpoints.

 

2.

 

Basic and Supplementary Card annual fees may be tax deductible in Canada, if used solely for business purposes; please consult your tax professional.

 

3.

 

Free night awards apply to standard rooms only as defined by each participating property; contact the property before booking to check availability. To view the full terms and conditions, visit www.spg.com.

 

4.

 

Account must be in good standing. Subject to change at any time. To qualify for the $100 statement credit, you must have at least $1,500 in net purchases posted to your account on or before your three month anniversary date. To qualify for the $150 statement credit you must charge CAD $200 or more (after applicable taxes) of eligible hotel purchases (less credits and returns) on your Starwood Preferred Guest Business Credit Card from American Express and posted to your account on or before your six month anniversary date. Hotel spend must be charged directly with participating Starwood properties, standalone Starwood retail establishments, and Starwood online stores that, in each case, are wholly owned by Starwood Hotels & Resorts Worldwide, LLC (a subsidiary of Marriot International, Inc.) and its affiliates. Hotel spend also includes purchases (less credits and returns) charged on your Starwood Preferred Guest Business Credit Card from American Express when charged directly with participating Marriott Rewards properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned by Marriott International, Inc. and its affiliates. Merchants are typically assigned codes and categorized based on what they sell. The spend will not be considered as eligible hotel spend, if the merchant code is not in an eligible category or is not made directly from the provider of the good or service, e.g. through a third party or by using a mobile device (e.g. smart phone) with an attached card reader. Funds advances, interest, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for eligible purchases. Statement credits may take up to two billing cycles to appear on your statement and up to 90 days to be credited to the account, after the Cardmember has completed a qualifying purchase. Please note that a statement credit does not satisfy the requirement to pay the minimum due and does not constitute a payment. The Cardmember must continue to make separate payments of at least the minimum due in accordance with the Cardmember agreement and account statement. We reserve the right to substitute an American Express Gift Card or cheque in lieu of the statement credit.

 

5.

 

Each year if, before the annual reset date, you reach $40,000 in net purchases charged to your account you will earn a Free Weekend Night Award redeemable within 1 year for an available single or double occupancy standard room at a participating Starwood Category 1-4 property for one Friday, Saturday or Sunday night.  Account must be in good standing.  On the annual reset date, the amount of annual net purchases resets to zero. Additional terms apply.

 

6.

 

Each year if, before the annual reset date, you reach $30,000 in net purchases charged to your account you will earn Gold Preferred Guest level of the Starwood Preferred Guest program for a minimum of 1 year (unless you are already enrolled at that or a higher level).  Account must be in good standing.  On the annual reset date, the amount of purchases resets to zero.  Subject to terms and conditions at www.spg.com. If you already have Gold Preferred or Platinum Preferred status with Starwood Preferred Guest, you will retain that status as long as you meet the requirements specified in the Starwood Preferred Guest terms and conditions.

7.

 

Purchase must be charged in full to an American Express Card issued by Amex Bank of Canada. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.

 

8.

 

Maximum of 99 Supplementary Cards per account. Supplementary Card applicant must be the age of majority. Supplementary Cards have an annual fee of $50 each.

 

9.

 

Underwritten by AIG Insurance Company of Canada.

 

10.

 

Employee Card Misuse Protection is not insurance. It is a benefit made available to you by Amex Bank of Canada and Administered by Royal & Sun Alliance Insurance Company of Canada. Please read the terms and conditions of the Employee Card Misuse Protection carefully, as they include specific terms, limitations, conditions and exclusions that may affect your coverage.

 

11.

 

Travel Accident Insurance provides automatic coverage of up to $500,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your Starwood Preferred Guest Business Credit Card from American Express. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent children (under 23) of Supplementary Cardmembers are also covered. Travel Accident Insurance is Underwritten by Chubb Life Insurance Company of Canada.

 

12.

 

Underwritten by Royal & Sun Alliance Insurance Company of Canada. 

 

13.

 

Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages are underwritten by RBC General Insurance Company.

 

14.

 

Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your Starwood Preferred Guest Business Credit Card from American Express. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental(s) and the type of vehicle covered.

 

15.

 

All the services associated with the Travel Emergency Assistance are provided worldwide with the exception of some countries (it is best to check with Customer Service). In addition, services may be limited or prevented by acts of God, war, civil commotion, labour disputes, unavailability of goods or services, or refusal of permission by local authorities.

 

16.

 

When you charge the full price on eligible purchases to your Starwood Preferred Guest Business Credit Card from American Express, the coverage given under the manufacturer’s original warranty is automatically doubled for up to one additional year. Buyer's Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada. Certain limitations, exclusions and restrictions apply. Please read the terms & conditions carefully.

 

17.

 

Ticket Price includes Taxes & Fees. Other fees may apply. To view the full terms and conditions, visit www.spg.com

 

18.

 

Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.

 

19.

 

Account must be in good standing. You will earn two Starpoints from American Express for every $1 of eligible purchases (less credits and returns) charged on your Starwood Preferred Guest Business Credit Card from American Express when charged directly with participating Starwood properties, standalone Starwood retail establishments, and Starwood online stores that, in each case, are wholly owned by Starwood Hotels & Resorts Worldwide, LLC (a subsidiary of Marriot International, Inc.) and its affiliates. You will also earn two Starpoints from American Express for every $1 of eligible purchases (less credits and returns) charged on your Starwood Preferred Guest Business Credit Card from American Express when charged directly with participating Marriott Rewards properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned by Marriott International, Inc. and its affiliates. Transactions must be completed between November 15, 2016 and July 31, 2018 and subsequently posted to your account. Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 Starpoint for every $1 applies if the merchant code is not in an eligible category or is not made directly from the provider of the good or service, e.g. through a third party or by using a mobile device (e.g. smart phone) with an attached card reader. Funds advances, interest, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Starpoints.

 

†: All insurance coverage is subject to the terms and conditions of the respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.

 

®: Used by Amex Bank of Canada under license from American Express.

 

©2016 Marriott International, Inc. All Rights Reserved. Starpoints, SPG, Preferred Guest, Sheraton, Westin, St. Regis, The Luxury Collection, W, Le Méridien, Design Hotels, Tribute Portfolio, Element, Aloft, Four Points and their respective logos are trademarks of Marriott International, Inc., or its affiliates.