Questions and Answers

Hi, I would like to apply a really good hotel credit card for my wife. Probably, either the Starwood Amex or Marriott Premium. She has an excellent credit score (760+) but low income. She works in a retail store part time with minimum 12 hours/week and $12.7/hour.

So my questions are
a) What are her odds of getting approved for either Starwood Amex or Marriott Premium?
b) If the odds are low, Can I become a co-signer for the credit card (my income is $120K+)
c) If the odds are low, What is the best Amex credit card she could start with (without me co-signing)?

Thanks,
Ben

Hi, I would like to apply a really good hotel credit card for my wife. Probably, either the Starwood Amex or Marriott Premium. She has an excellent credit score (760+) but low income. She works in a retail store part time with minimum 12 hours/week and $12.7/hour. So my questions are
a) What are her odds of getting approved for either Starwood Amex or Marriott Premium?
b) If the odds are low, Can I become a co-signer for the credit card (my income is $120K+)
c) If the odds are low, What is the best Amex credit card she could start with (without me co-signing)?
Regards,
Anirban

Hi [USER=2454]@Anirban[/USER], and welcome!

If you look at the application pages, you’ll notice they don’t ask for individual income in most cases, rather they ask for the [I]household[/I] income. I know many spouses with lower incomes who have been approved for cards based on their combined income — no need to have a co-signer.

That being said, will this be her first solo credit card? If so, I might start her with a [I]charge card [/I]if it fits with your points plan. The Amex PRG or Platinum are easier to get approved for if she doesn’t have much credit history.

Keep in mind the minimum spend requirements on some of these cards is a bit hefty – it would be a shame to get approved but miss the sign up bonus spend threshold. Good luck!

Thank you Tiffany and Gia! this is excellent information..