Should You Get The SPG Personal Or Business Card From Amex?

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The new benefit of the Starwood American Express Business card, free club lounge access when staying with Sheraton hotels has me thinking. If going for the SPG card; should you get the personal or business version?
Starwood announced a bunch of changes to the Starwood American Express card which will start August 11th, you can read here.

Should You Get The SPG Personal Or Business Card From Amex?

The business version not only comes with free club access, but also gives cash back with certain spending like:
  • 5% back from participating Park Hyatt, Andaz, Grand Hyatt, Hyatt Regency and Hyatt hotel or resort locations within the U.S
  • 5% back from participating Hertz locations
  • 5% back from eligible FedEx charges


An exclusive on-property amenity. The Sheraton Club lounge offers something extra while traveling for your business. Catch up on work or gather with other guests in a space that provides a higher level of comfort. For locations and details see Sheraton Club lounge here. Booking requirements apply.

Terms and Conditions 

Available at select Sheraton Hotels® & Resorts for the duration of a Card Member’s stay. Visit for a full listing of Sheraton® Club properties. This benefit is for Basic Card Members only on Starpoint Eligible Rate reservations. Exclusions of Starpoint Eligible Rate reservations might include rooms booked through a group rate as part of an event and the SPG Member does not directly pay the SPG Participating Hotel for such room; tour operator; or online travel channel or third party channel, such as,,,,,,, or A full description of Starpoint Eligible Rates can be found at Sheraton Club lounge access is limited to the eligible Card Member and a guest staying in the same room for the duration of the stay, regardless of how many rooms have been reserved.

Bottom Line

Yes you can get both!
But the business card has just tilted a little more in the favorable column for me. In the end, personal preference comes in to play. Which SPG card do you have or are are you considering picking up?
Editorial Note: Opinions, analyses, reviews or suggestions expressed on this site are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. For details on current offers visit the card issuer’s site.

About The Weekly Flyer

The Weekly Flyer writes about travel from a business traveler perspective. He travels the world every week accumulating points and miles along the way. Feel free to reach me at

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  1. Can you explain this point on Hyatt, since they are not SPG properties? I’ve never heard this before.

    “5% back from participating Park Hyatt, Andaz, Grand Hyatt, Hyatt Regency and Hyatt hotel or resort locations within the U.S.”


  2. Dani – “As a built-in Business Card feature, you automatically receive a 5% discount credited to your American Express statement OR 2 additional Membership Rewards® points for each eligible dollar spent at participating Hyatt Hotels & Resorts in the U.S. up to $10,000 per Card Account in a calendar year.”

  3. I’m a happy customer of the SPG (Personal) Amex and now looking seriously into the SPG (Business) Amex. Would you recommend that I:

    a) call/email Amex and ask to convert my Personal to Business card? (is that even possible?)
    b) apply for a brand new Business card and collect 25K points bonus after meeting the criterias? (would they give me a bonus as a non-new SPG Amex cardholder)?

    Goal (if all possible) is to keep just one card (Business), preferably with the same card number (but not a big deal if it’s not).

    Please let me know everyone’s thoughts. Thx!

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