Can You Use a Spouse’s Loyalty Account Number on a Card Application?

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Million Mile Secrets reader, Shane, commented:

I received sign-up bonuses from the Hilton Honors™ Card from American Express and Citi Hilton Visa card.  My wife and I are trying to save up more points for a free trip.  If she gets an AMEX or Citi Hilton card under her name, can she use my Hilton loyalty number so the sign-up bonuses go into my account?

Excellent question, Shane!

Generally, you can NOT receive a credit card sign-up bonus if the name on the credit card application is different from the loyalty account.

As an alternative, Shane’s wife can apply and earn Hilton points from credit card sign-up bonuses in her own loyalty account.  Then, transfer the points to Shane’s account.  But there are some rules to know!

Can You Use A Spouses Loyalty Account Number On A Card Application
Don’t be Discouraged That You Can’t Earn Sign-Up Bonuses Using a Spouse’s Loyalty Account Number! Instead, You Can Earn the Points in Your Own Account and Transfer Them Over!

I’ll explain the rules and fees associated with transferring hotel points!

Transfer Hotel Points With These Chains

Link:   Why and How to Transfer Hotel Points Between Accounts

Banks and hotel loyalty programs want to make sure folks are playing by the rules to earn credit card sign-up bonuses.

So it’s not worth the risk of raising a red flag on your account by submitting a new card application using someone else’s loyalty number.  This could limit your future award travel.  And you don’t want that to happen!

Instead, you can earn a sign-up bonus and then transfer the points to a spouse or household member.  But the rules and fees vary by hotel chain.

Here are the key terms for points transfers at each of the major hotel chains:

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Alternatives to Transferring Hotel Points

Link:   How to Book Hotels for Others Using Your Points

If you don’t want to transfer hotel points to a partner or household member, there are a couple of workarounds.

You can use your points to book award stays for others.  Again, each hotel chain has their own process and rules.  So I’d recommend checking the policies before booking to make sure things go smoothly.

Can You Use A Spouses Loyalty Account Number On A Card Application
You Can Use Your Hotel Loyalty Points to Book Award Nights for Others at Hotels Like the InterContinental Amstel Amsterdam

Or if you’re traveling as a couple, you can book award nights using points from 2 loyalty accounts.

As an example, on a 4-night hotel stay, you can use points from your account to book the 1st and 2nd nights.  Then, use points from your partner’s account to book the 3rd and 4th nights.  Of course if you book this way, you couldn’t get the 5th night free on your award stay.

Bottom Line

You can NOT enter someone else’s hotel loyalty information on a credit card application.  The names on the application and loyalty account must match.

Instead, you can earn the sign-up bonus in your own account.  Then, transfer the points to someone else according to the hotel chain’s policy.

For example, you can transfer points from Hilton, Hyatt, and IHG to anyone.  You’ll pay a small fee to transfer points with Hilton and IHG.  But it might be worth it to make an award booking possible.

You can also consider using points from your account to book an award stays for others.

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