Don’t Miss Out on Sign-Up Bonus for SPG Business Card from American Express

A question from a reader, posted with permission:

spg email

First, the good news. The reader can still get the bonus if he/she reapplies for this very same card. Now, on to the bad news. Here is the screenshot of “T and C” of this particular offer:

spg bus bonus

So, it doesn’t really matter whether you have received the bonus or not. What matters is whether the card has been closed for more than 12 months. In fact, I probably would wait  13 months just to be on the safe side. I could be wrong on this one and perhaps, the fact that she didn’t actually receive the bonus could work in her favor. If you have any data on this, please, share! But the terms state very clearly that the card itself needs to be closed for more than 12 months.

Fort those unfamiliar with Amex SPG credit card and SPG program in general, you may want to read this post These points are the most valuable in the hobby and also the hardest to accumulate. So, even though 25,000 points doesn’t sound like much, you can stretch that amount to get tremendous value via hotel or airline award redemptions.

The key difference between personal and business versions is that you can only get the former once per lifetime. As you can see in the highlighted terms, the rules are not the same for a business card. Of course, it also comes with a different set of minimum spending requirements:

  • Earn 25,000 bonus Starpoints® after you use your Card to make $5,000 in purchases within the first 3 months.
  • New: No Foreign Transaction Fees on international purchases.
  • New: Receive free in-room, premium internet access. Booking requirements apply.
  • New: Enjoy complimentary, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • Earn free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges.
  • $0 introductory annual fee for the first year, then $95.
  • Reader Erik reminded me that this card comes with complimentary Sheraton Club access.

Limited time offer! Get it now!

This offer does pay me referral if you apply though my site. As I’ve mentioned before, at some point, SPG cards will probably be discontinued due to Marriott takeover of that hotel chain. That said, I doubt it will happen soon. But my point is, it could make sense to get this offer now because that way, you can close the card after receiving the bonus and start the clock on 12 months’ waiting period.

Hopefully, it will still be around next year so you can help yourself to another 25,000 SPG points. As always, I recommend you apply for business cards if you actually have a business or plan to start one. Also, $5,000 spending requirement in the first 3 months  is quite high, so make sure you can handle it. I’ve put together a post with some ideas on how to do it.

Keeping track of your offers

I recommend you get a free Cardwatchdog account (not an affiliate link). I’ve mentioned it  a few times before because I really like it. It’s easy to use, you don’t have to create a special spreadsheet and best of all, it’s free! You can record the details of each particular offer, including minimum spending requirements. Here is an example of my Amex Blue Cash card:

cardwatchdog spg


Don’t beat yourself up

If for whatever reason you miss out on a credit card bonus, remember: you win some, you lose some in this hobby. It’s NOT the end of the world. This sort of stuff occasionally happens to the best of us.

Overall, if you’ve managed to collect even 50,000 miles per year due to a new credit card sign-up, you are already ahead of most of US population. Try to focus on the big picture and think back on all the deeply-discounted travel you’ve got to enjoy with your family so far. #Winning

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7 thoughts on “Don’t Miss Out on Sign-Up Bonus for SPG Business Card from American Express

  1. Have you gotten a business card yet? Is there consensus on which ones are best for folks that haven’t quite gotten their business off the ground? I.e. A blog.


    • @Cheapblack (dad) Yeah, I knew it was you! I thought you took my suggestion to “cut the fat” (simplify) and decided to shorten your moniker. 🙂 I actually don’t sign up for business cards unless minimum spending is very low. Speaking of, I might look into that Alaska Air business card.
      When you apply, one of the things stated in “T and C” is that you can only use card for business expenses. And at this point, I don’t yet have a $5,000 overhead on this blog. Thank goodness! This is my personal position on this matter, and I don’t force it on others. I’ve mentioned it a few times, but let folks decide for themselves. I definitely don’t judge and honestly, I doubt that banks care.


    • @Cheapblackdad Oh, one more thing I forgot to mention. I don’t think there is consensus on what business cards are best for a new business (like blog). It honestly depends on your relationship with the bank. The only way to know is to apply. Chase has gotten more strict when it comes to business apps. Amex and Citi are considered a bit easier. But once again, it’s hard to predict your chances of approval because there are many factors involved. I would pick a card that you need and go from there.


  2. One additional reason to get the SPG Business Amex is the Sheraton Club lounge access that is NOTa benefit of the personal version which has the same annual fee. Totally YMMV, but Sheraton is SPG’s largest brand and as a general rule they tend to be less expensive properties than Westin, W, St. Regis, etc. Based upon my recent stays, I would say that the Sheraton brand “refresh” initiative is slowly working to improve the basic standards/consistency between properties. I think there is a window of opportunity right now to grab the SPG cards and have time to use the points for maximum benefit before Marriott closes the deal and makes negative changes to SPG program (I hope not, but it’ll probably happen).


    • @Erik You are absolutely right! I actually forgot about this benefit. Will update. It’s not a huge deal, but if someone is staying in Sheraton anyway, this could be a nice sweetener. I wonder what happens to SPG program. Right now, Marriott is saying that not much will change (of course). It’s highly unlikely that SPG points will stick around in their current form, but it’s possible. I agree, getting this card right now could make sense. Even though the bonus is down to 25K points, there is a possibility of picking it up again if the merger takes longer than expected. Thanks for your insights!


  3. Pingback: The Good, the Bad and the Ugly: SPG 2016 Category Changes – Miles For Family

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