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AT&T Universal Savings&Rewards Card
and
Starwood Preferred Guest® Credit Card from American Express
Side-by-Side Comparison

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AT&T Universal Savings&Rewards Card and Starwood Preferred Guest® Credit Card from American Express

AT&T Universal Savings&Rewards Card Offer AT&T Universal Savings&Rewards Card  Official
Card
Name
Starwood Preferred Guest® Credit Card from American Express  Starwood Preferred Guest® Credit Card from American Express Offer
 Logo  
 
Issuer
American Express  American Express Logo
 
  Brand American Express 
$0  Annual Fee $45 
0*  Introductory
Rate
2.90 
Up to 12 Mo.  Length of
Intro Period
6 Mo 
As low as
8.24 
Go To Rate
(After Intro)
13.99 
Yes  Balance Transfer
Available
Yes 
Good  Credit Level
Required
Good 
1 ThankYou Point for every dollar you spend on non-AT&T purchases  Bullet Points:
1
Earn 10,000 Starpoints® with your first purchase - enough for up to 3 free nights 
Up to 10% savings for the first 12 months on AT&T purchases  2 Use Starpoints for free nights and upgrades at over 825 participating Starwood hotels and resorts in 95 countries 
Plus AT&T calling benefits: Up to 30 free phone minutes each month; 2 free directory assistance inquiries per month and other wireless benefits  3 Transfer Starpoints - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines 
0% APR* on Balance Transfers for up to 12 months  4 Earn one Starpoint for every dollar of eligible spending and double Starpoints at participating Starwood properties and retail outlets 
No annual fee  5 First year fee-free and only $45 thereafter 
     



 


     


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