Starwood Personal or Business Card?

Starwood increased credit card offer to 35,000 points ends April 5th 2017. The increase is good for both the personal and business card so which one should you apply for? Both cards award you 25,000 points for meeting minimum spend and an additional 10,000 points for meeting the second minimum spend. 

Here are some of the differences:

1. Personal card only has a $3,000 spend compared with the business card which has a $5,000 spend. 

2. Both cards waive the $95 fee for the first year

3. To get the additional spend on the personal card, you need to spend $2,000 and on the business card, you need to spend $3,000.

4. The business card has the added perk of FREE club access at Starwood hotels worldwide. This is huge for me because you get breakfast. And if you follow my blog, you know I love hotels that include breakfast. 

5. The business card has protection for luggage and car rental loss. 

So the bottom line is if you can swing the minimum spend, get both cards. Since Starwood merged with Marriott, we do not know how long Starwood will be offering deals. Plus 70,000 Starwood points can go a long way, but it's a big minimum spend too.