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Marriott announced earlier Friday that as many as 500 million guests of Starwood hotels may have had their data stolen by hackers.  This was no garden-variety hack. Credit card data may have been stolen along with passport data, names, email addresses, dates of birth and stay history. Data breaches are nothing new if you pay attention to the news. In fact, just last week Amazon, one of the largest merchants in the world, disclosed a breach of customer data, though on a smaller scale. Today, we again find ourselves asking the same question:

How Do We Protect Ourselves?

There are a number of ways you can protect yourself from losing your money, miles and mind with this most recent hack, and some are easier than others. Here’s a quick look at some ways to keep your personal data safe:

Sing Up For Free Protection From Marriott

Marriott hired a firm called Kroll to provide a product called WebWatcher to anyone who had a Starwood reservation. However, the website setup for this purpose doesn’t appear to require you to prove you had a reservation during the period where data was leaked. Here’s what Kroll says WebWatcher offers:

WebWatcher monitors internet sites where personal information is shared and generates an alert if evidence of your personal information is found. Due to regulatory and other reasons, WebWatcher or similar products are not available in all countries.

For residents of the United States, enrolling in WebWatcher also provides you with two additional benefits: (1) a Fraud Loss Reimbursement benefit, which reimburses you for out-of-pocket expenses totaling up to $1 million in covered legal costs and expenses for any one stolen identity event. All coverage is subject to the conditions and exclusions in the policy; and (2) unlimited access to consultation with a Kroll fraud specialist. Consultation support includes showing you the most effective ways to protect your identity, explaining your rights and protections under the law, assistance with fraud alerts, and interpreting how personal information is accessed and used, including investigating suspicious activity that could be tied to an identity theft event.

What’s my opinion on WebWatcher? Well, this is the first time I’ve come in contact with them. They do have an A+ rating with the Better Business Bureau. There are a few complaints on their website, but that’s not abnormal.

Purchase Identity Protection

My father has never heard of identity protection, but it’s a fact of life our generation can’t avoid. Things may look more secure by the time my children are entering the credit card world, but for now, having some extra protection can be prudent and doesn’t have to break the bank.

If you’re a Costco member or hold the Costco Anywhere Visa Card by Citi, you may want to consider CompleteID, a partnership between Experian and Costco. Costco Executive Club members pay a reduced rate of $8.99 per month. The service provides identity protection along with other services like insurance against fraud (up to $1 million) and credit report monitoring.

If you’re not a Costco member, you can sign-up directly with Experian. They have different products from the Costco partnership, starting at $9.99 per month.

Lifelock is another popular service that starts at $9.99 per month, though the price goes up after the first year.

Change Your Password

(Photo by Hero Images/Getty Images)
Changing your Marriott password is the simplest thing you should do right now. (Photo by Hero Images/Getty Images)

Sounds simple, right? But be honest: when was the last time you changed your Marriott Rewards password? You should change your Marriott/SPG password immediately, and ideally this should be unique from passwords on other online accounts. While you can do this manually, we recommend a password manager. 1Password is my favorite, though there are several others out there. These programs allow you to create strong, unique passwords for all of your accounts, while you remember just one password to login to the secure app of your choosing.

1Password charges roughly $5 per month, and you can store and protect all the passwords for your entire family. 1Password also works with biometric features on the Apple platform like fingerprint and FaceID, adding another level of security for your passwords. Hackers are less likely to be able to figure out a unique, 25-character password with letters, numbers and symbols. In an odd bit of symbolism, the company Marriott hired to monitor your identity for free won’t let you create a 25-character long password, instead allowing a somewhat less secure 14-digit version.

Monitor Your Activity

At TPG, we hear frequently from readers who have had points stolen. Our very own Summer Hull recently dealt with a thief clearing out the Ultimate Rewards account of one of her family members. Even though most of these stories have a happy ending (where the program puts the points back in the account), it can be a major hassle. And you don’t want to end up needing to book a last-minute flight or hotel room only to find out your account was wiped out by hackers.

Check your balances once a month (at the very least) to make sure you don’t see any fraudulent activity. I’m a bit more obsessive, so I check my accounts at least once a week. A service like Award Wallet can also help track your balances for free.

Bottom Line

If you haven’t been thinking about protecting your identity, the size and scope of the Marriott breach should open your eyes. There’s no need to be paranoid, but there is a need to protect yourself. Along with the tips above, you can also freeze your credit for free if you want to take a more active approach on protecting fraud.  And, you’ll also find plenty of sites that have enabled two-factor authentication, where you use an app on you phone to help prove you’re … well, you. I’m using the Google version right now for two-factor authentication.

At TPG, we preach that your points and miles are really another currency with value, like the dollars or euros in your pocket. You probably guard your bank passwords pretty carefully, and the same holds true with your credit or debit card PIN. It may be time to start thinking about your hotel and airline loyalty programs the same way (if you’re not doing this already).  And you should definitely be making sure nobody is using your identity.

The Platinum Card® from American Express

The American Express Platinum card has some of the best perks out there: cardholders enjoy the best domestic lounge access (Delta SkyClubs, Centurion Lounges, and Priority Pass), up to a $200 annual airline fee credit as well as up to $200 in Uber credits, and mid-tier elite status at SPG, Marriott, and Hilton. Combined with the 60,000 point welcome offer -- worth $1,140 based on TPG's valuations -- this card is a no-brainer for frequent travelers. Here are 5 reasons you should consider this card, as well as how you can figure out if the $550 annual fee makes sense for you.

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More Things to Know
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
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  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
Intro APR on Purchases
N/A
Regular APR
N/A
Annual Fee
$550
Balance Transfer Fee
See Terms
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.