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| Credit Card Review |
The AT&T Universal Savings and Rewards Card, issued by Citibank, is designed for those with good credit who desire a credit card with an excellent reward program.
This card acts both as a credit card and a calling card, but those who choose to use the card for calls may find the rates high compared to other calling card services. The AT&T Universal Savings and Rewards Card is a good card. However, the card does provide two free directory assistance inquiries per month, up to 30 free phone minutes per month, and wireless phone loss and theft insurance.
Through the reward program, cardholders earn 1 point per dollar on AT&T purchases and one point per dollar on all other purchases. Get your AT&T Universal Savings and Rewards Card and enjoy the power of plastic. AT&T Spend and any other transactions do not qualify to earn ThankYou® Points. Cardholders will also receive up to 10% savings for the first 12 months on AT&T purchases. See AT&T Universal Savings and Rewards Card Terms and Conditions. Points can be redeemed for various merchandise, travel, experiences, gift cards, and more. The maximum number of points that can be earned per year is 50,000, and points expire in five years.
The card has no annual fee, and the APR for purchases and balance transfers is reasonable for those who plan to carry a revolving balance. AT&T Universal Savings and Rewards Card - compare Citibank credit card offers online. There is also a 0% introductory rate on balance transfers for up to twelve months. However, there is a minimum cap of 19.99% for cash advances, which means that no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap.
In addition to the calling card benefits and the reward program, the card offers a variety of platinum cardholder services that include up to $1,000,000 in travel accident insurance, auto rental insurance, lost and stolen card reporting, and fraud protection services.
Therefore, those who plan to take advantage of the calling card feature, the reward program, the introductory rate on balance transfers, and the additional platinum services will benefit most from what the AT&T Universal Savings and Rewards Card has to offer.
Most Attractive Feature: Long term 0% introductory rate; no annual fee; access to rewards program; bonus points.
Least Attractive Feature: Yearly limit on points; five year expiration applied to earned points; minimum APR cap for cash advances.
Apply Now For AT&T Universal Savings and Rewards Card
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Note: The review
of this AT&T Universal Savings and Rewards Card from Citibank was updated on June 26, 2008
*Terms and Conditions
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| Key Card Information |
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Introductory Rate: |
0% APR for up to 12 Months |
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Time Period: |
12 Months |
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Applied Towards: |
Balance Transfers |
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APR (Purchases): |
As low as 13.74% |
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APR (Cash Advances): |
22.74% |
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Finance Configuration: |
Average Daily Balance (including new purchases) |
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Annual Fee: |
$0 |
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Additional Cardholders: |
$0 |
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Grace Period: |
20 Days (Min.) |
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Minimum Credit Limit: |
$500 |
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Maximum Credit Limit: |
n/a |
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Late Payment Fee: |
$15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over |
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Over-The-Limit Fee: |
$39 |
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Cash Advance Fee: |
3%, $5 minimum |
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Balance Transfer Fee: |
A balance transfer fee applies with this offer* (see site for details). |
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Introductory Rate Details: |
The introductory rate is available on balance transfers for up to twelve months. |
| The Rewards Program
Highlights |
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Expiration: |
5 Years |
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Yearly Limit: |
50,000 Points |
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Points per Dollar: |
1 Point |
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Additional Points: |
Earn 1 point per dollar on all non-AT&T purchases. AT&T Spend and any other transactions do not qualify to earn ThankYou® Points. |
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Point Details: |
Points are redeemable for various merchandise, travel, experiences, gift cards, and more. See www.thankyouredemptions.com for more information. |
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Bonus Points: Other: |
Up to 10% Savings on AT&T Purchases |
| Additional Highlights of Interest |
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Special Card Benefits and Features
$0 liability protection on unauthorized purchases.
Instant online decision.
Card can be used as a calling card.
Receive 2 free directory assistance inquiries per month.
Receive up to 30 free phone minutes per month.
Wireless phone loss and theft insurance reimbursement for replacement coverage.
Various Internet account related services.
Identity theft solutions.
Fraud and security protection services.
Year-end financial statement.
Up to $1,000,000 in travel accident insurance.
Lost luggage assistance.
Auto rental insurance.
Emergency card replacement.
Emergency cash replacement.
Lost and stolen card reporting.
Medical referral services.
Legal referral services.
Various travel and emergency assistance services.
Automatic bill payment.
Up to 10% Savings on AT&T Purchases.
See website for additional benefits.
Important Notes Regarding This
Offer
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Apply Now For AT&T Universal Savings and Rewards Card
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