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IVA Information Debt IVA UMBRELLA COMPANIES |
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| Starwood Preferred Guest® Business Credit Card | |||||
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Issuer:American Express Credit requirement:Good credit required. Earn 10,000 Starpoints with your first purchase - that's good for up to 3 free nights! Earn 1 Starpoint for virtually every dollar you spend on the Card and double Starpoints at participating Starwood hotels and resorts Redeem at over 825 participating Starwood hotels and resorts worldwide with no blackout dates. Starwood hotels include Sheraton®, Westin®, W Hotels®, St. Regis®, Luxury Collection®, Le Meridien®, and Four Points by Sheraton®. Transfer to over 30 frequent flyer programs, most on a one-to-one basis. Save on business purchases at companies like FedEx® and Hertz® Winner of 2006 Freddie Awards: Voted Best Travel Rewards Credit Card by frequent travelers. ADDITIONAL STARWOOD PREFERRED GUEST BUSINESS CREDIT CARD BENEFITS Turn Starpoints into miles with over 30 frequent flyer programs3 Complimentary enrollment in the Starwood Preferred Guest program Fee-free Additional Cards for employees — earn Starpoints on the business purchases they make4 OPEN FROM AMERICAN EXPRESS OPENSM the small business team at American Express is all about small business. It provides you the resources to help you run your business, including: Financing Get unlimited fee-free Additional Cards, 2.9% APR for purchases in the first six months, and pay no annual fee. Savings Save at AT&T, FedEx, Hertz®, 1-800-FLOWERS.COM® and more by using your Business Card and see the savings on your statement. No coupons or codes are needed and the savings are in addition to other discounts your business may already receive.5 Online management Manage your account with Summary of Accounts and track charges with Expense Management Reports. Community Chat, pose questions, get insights from other small business owners, and attract new business. Advice Ask an expert a question, use an online tool, and read articles by other business owners. Apply for Starwood Preferred Guest Business Credit Card |
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Credit Card Terminology Tidbits
Annual Percentage Rate (APR): This number is a measure of the cost of credit, expressed as a yearly rate. It must be disclosed before you become obligated on the account and on your account statements. Annual Fee: The fee charged for your card on a yearly basis. Depending on issuer some credit card providers may charge an annual fee, typically below the $50 dollar range, nevertheless some choose not to charge any amount. This latter type is called the no annual fee credit card. Balance Transfer Fee: A fee for transferring balances from another card to this card, if any. Debit Card: Payment card whose funds are withdrawn directly from the cardholder's checking account at the time of sale (online debit) or after the batch settlement occurs (off-line debit). Cardholder: Any person who holds a payment card account. Grace period: The number of days you have to pay your bill in full without triggering any finance charges. With most plans, the grace period applies only to purchases; cash advances and balance transfers may start accruing interest immediately.
Transaction Fees and Other Charges: Some issuers charge a fee if you use the card to get a cash advance, make a late payment,
or exceed your credit limit. Some charge a monthly fee whether or not you use the card.
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