Are you making a distinction between two starwood account, one for each of you and your spouse, and two credit cards. Opening a second starwood account is a two minute operation which you can do on-line. You do not have to open a second credit card in the spouse's name (you can continue to just use a secondary card). The starwood account allows you to transfer the cardholders points that get posted to his/her account into the spouse's account, and then the spouse can put those points into his/her ff#. I am puzzled as to why you wouldn't want to do this as this is such a simple solution to getting points one spouse earns at starwood to spouse.

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Ms.DtG