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Starwood Preferred Guest® Business Credit Card from American Express
&
PenFed Promise Card
Side-by-Side Comparison


Here is the detailed comparison.

Starwood Preferred Guest® Business Credit Card from American Express and PenFed Promise Card

Starwood Preferred Guest® Business Credit Card from American Express Offer Starwood Preferred Guest® Business Credit Card from American Express  Official
Card
Name
PenFed Promise Card  PenFed Promise Card Offer
American Express Logo American Express 
 
Provider
   Logo
 
American Express  Brand  
$0 intro annual fee for the first year, then $65  Annual Fee $0 
None  Introductory
Rate
7.49% 
n/a  Length of
Intro Period
36 Mo. 
15.24% - 19.24% Variable  Go To Rate
(After Intro)
9.99% (Variable) 
No  Balance Transfer
Available
Yes 
Excellent  Credit Level
Required
Good 
Starpoints® bonus: Earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership  Bullet Points:
1
You must be a PenFed member to apply. Not yet a member? It's easy to join!  
Redeem Starpoints® at over 1,100 hotels and resorts in nearly 100 countries and for flights on more than 350 airlines with SPG Flights – all with no blackout dates  2 You may be eligible through your employment, association membership, and volunteerism, or by becoming a member of one of our nonprofit partner organizations. 
Earn up to 5 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the Starwood Preferred Guest® program  3 Absolutely no fees—no annual fee, no foreign transaction fee, no balance transfer fee, no cash advance fee, no late fee, no over credit limit fee, and no penalty fee. 
Earn 1 Starpoint® for each dollar of eligible purchases  4 7.49% introductory purchase APR for the first 36 months. After that, the APR will vary with the market based on the Prime Rate, and is currently 9.99% APR. 
$0 introductory annual fee for the first year, then $65  5 4.99% APR promotional balance transfer rate for life of balance on transfers made between October 1, 2012, and December 31, 2012. 
     



 


     


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