Last Day to Apply for Marriott and Starwood Credit Cards Before Restrictions Put in Place Tomorrow!

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TODAY IS THE LAST DAY TO APPLY FOR MANY MARRIOTT AND STARWOOD CREDIT CARDS! This may or may not impact you, so make sure to read the restrictions below! Starting tomorrow, August 26, 2018, you will be restricted on being approved for all of the Marriott and Starwood credit cards if you have applied for any of their cards in the past based on the guidelines below. Not being approved for a card means no welcome bonus or card benefits.

Restrictions Starting August 26th

Starwood Preferred Guest Luxury Card

You will not be eligible for a bonus if you…

  • Currently have or have had any of the following Cards in the last 30 days
    • The Ritz-Carlton Rewards Credit Card from JP Morgan
  • OR have acquired any of the following Cards from Chase in the last 90 days
    • The Marriott Rewards Premier Plus Credit Card from Chase
    • The Marriott Rewards Premier Credit Card from Chase
    • The Marriott Rewards Premier Business Credit Card from Chase
  • OR have received a welcome or upgrade offer for any of the following Cards from Chase in the last 24 months
    • The Marriott Rewards Premier Plus Credit Card from Chase
    • The Marriott Rewards Premier Credit Card from Chase
    • The Marriott Rewards Premier Business Credit Card from Chase

YOU ARE ELIGIBLE IF: You have any of the other Starwood credit cards, regardless of when you applied. This also means that if it has been more then 24 months since you have applied for any of those three Marriott credit cards, you are eligible. The only one card that will really prevent you from getting this card is the Ritz-Carlton card. You’ll have to cancel the card and then wait 30 days to apply. Also keep in mind that this card is not yet available, but my best guess is that we will see it launch August 26th. Of course if we see it rolled out prior to August 26th, this will open the flood gates to quickly apply for some of the restricted cards, but I do not foresee that happening.

Starwood Preferred Guest Peronal Card

You will not be eligible for a bonus if…

  • Currently have or have had any of the following Cards in the last 30 days:
    • The Marriott Rewards Premier Credit Card from Chase
    • The Marriott Rewards Premier Plus Credit Card from Chase
    • Marriott Rewards Credit Card from Chase
    • The Ritz-Carlton Rewards Credit Card from JP Morgan

YOU ARE ELIGIBLE IF: You have any other Starwood credit cards. If you are looking to apply for this card, you’ll have to cancel ALL your Marriott and Ritz-Carlton credit cards then wait 30 days to apply. The sign up offer on this card isn’t that great, although come August you’ll receive an annual free night certificate up to 35,000 points. Despite a pretty poor sign up bonus, this is one card you might want to consider getting prior to the rules changing.

*Remember, American Express has a once in a lifetime rule, so if you’ve already received this card in the past they won’t approve you (although if it has been 7+ years there is a chance you’ll get approved)

Starwood Preferred Guest Business Card

You will not be eligible for a bonus if…

  • Currently have or have had any of the following Cards in the last 30 days
    • The Marriott Rewards Premier Business Credit Card from Chase
    • The Marriott Rewards Business Credit Card from Chase
  • OR have acquired any of the following Cards from Chase in the last 90 days
    • The Marriott Rewards Premier Plus Credit Card from Chase
    • The Marriott Rewards Premier Credit Card from Chase
  • OR have received a welcome offer for any of the following Cards from Chase in the last 24 months
    • The Marriott Rewards Premier Plus Credit Card from Chase
    • The Marriott Rewards Premier Credit Card from Chase

YOU ARE ELIGIBLE IF: You have any Starwood credit cards. You’ll also be eligible if you have the Marriott Rewards personal credit cards, as long as it has been more then 24 months since you have received a welcome bonus. With a strong bonus offer of 100,000 points, I’d highly suggest jumping on this offer before you ineligible.

*Remember, American Express has a once in a lifetime rule, so if you’ve already received this card in the past they won’t approve you (although if it has been 7+ years there is a chance you’ll get approved)

Marriott Rewards Premier Plus Card (Learn More)

You will not be eligible for a bonus if…

  • Currently have or have had any of the following Cards in the last 30 days
    • Starwood Preferred Guest Credit Card from American Express
  • OR have acquired any of the following Cards from American Express in the last 90 days
    • Starwood Preferred Guest American Express Luxury Card
    • Starwood Preferred Guest Business Credit Card from American Express
  • OR have received a welcome offer or upgrade bonus for any of the following Cards from American Express in the last 24 months
    • Starwood Preferred Guest American Express Luxury Card
    • Starwood Preferred Guest Business Credit Card from American Express

YOU ARE ELIGIBLE IF: You have any other Marriott credit cards. You’ll also be eligible as long as it has been 24+ months since you’ve received a welcome bonus for the Starwood Preferred Luxury card (which it won’t be if you apply for it) or the Starwood Business card. It is the Starwood personal (non-luxury card) that will exclude you from getting this offer. If you are looking to apply for the Starwood Luxury card, you will want to apply for this card now.

*Remember, with Chase you cannot currently have any of the Chase Marriott consumer credit cards or have received a sign up bonus on one of the Chase Marriott consumer credit cards in the past 24 months.

Marriott Rewards Premier Plus Business Card (Learn More)

You will not be eligible for a bonus if…

  • Currently have or have had any of the following Cards in the last 30 days
    • Starwood Preferred Guest Credit Card from American Express
  • OR have acquired any of the following Cards from American Express in the last 90 days
    • Starwood Preferred Guest American Express Luxury Card
    • Starwood Preferred Guest Business Credit Card from American Express
  • OR have received a welcome offer or upgrade bonus for any of the following Cards from American Express in the last 24 months
    • Starwood Preferred Guest American Express Luxury Card
    • Starwood Preferred Guest Business Credit Card from American Express

YOU ARE ELIGIBLE IF: You have any other Marriott credit cards. You’ll also be eligible as long as it has been 24+ months since you’ve received a welcome bonus for the Starwood Preferred Luxury card (which it won’t be if you apply for it) or the Starwood Business card. It is the Starwood personal (non-luxury card) that will exclude you from getting this offer. If you are looking to apply for the Starwood Luxury card, you will want to apply for this card now.

*Remember, with Chase you cannot currently be a Chase Marriott business credit card holder or have received a bonus from this card within the past 24 months

Current Card Offers

Personally, if you do not fall into any of the restrictions for the Starwood Luxury card, I’d hold off and see if any better offers come around later this year. But remember, if you hold off, that will exclude you on getting the Marriott credit cards at a future time. The one card I’d really focus on is the Starwood Business card. This card has the richest offer and I do not foresee a better offer ever coming around for this card. And although it is a business credit card, American Express is one of the easier ones to get approved for a business card, so you shouldn’t have a problem.

Which cards will you be applying for you?

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