The Starwood Preferred Guest® Credit Card from American Express used any of the three major credit card bureaus (Experian, Equifax, TransUnion) for approval, but it is no longer available to new applicants. As for reporting, American Express reports credit activity to all three major bureaus.
Marriott acquired Starwood and the merger closed in 2016. The Marriott Bonvoy Brilliant™ American Express® Card is a great alternative to the Starwood Preferred Guest® Credit Card from American Express as it offers attractive rewards tied to Marriott properties. When applying for the Marriott Bonvoy Brilliant, a hard inquiry on your credit report from any of the three major credit bureaus may be pulled.
Marriott Bonvoy Brilliant offers an initial bonus of 150,000 points and 1 free night award for spending $5,000 in the first 3 months (limited-time offer, ending 11/3/2021). But keep in mind that applicants who have or had the Starwood Preferred Guest® Credit Card from American Express are not eligible for this offer. Marriott Bonvoy Brilliant still has attractive ongoing spending rewards though: 6 points per $1 spent at participating Marriott Bonvoy Hotels, 3 points per $1 at U.S. restaurants and on flights booked with airlines, and 2 points per $1 on all other purchases.
The Marriott Bonvoy Brilliant does charge a hefty $450 annual fee, though. So if you don’t think you’ll spend enough to offset its fee, check out some of the best Marriott credit cards and pick one according to your needs. The Marriott Bonvoy Bold® Credit Card, for instance, features a $0 annual fee. Much like Marriott Bonvoy Brilliant, the Marriott Bonvoy Bold card may also gather information from any of the major credit bureaus when determining your eligibility. And it too, reports credit activity to all three major bureaus. If need be, make sure you unfreeze your credit reports before applying.
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