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AT&T Universal Savings and Rewards Card
Issued By: Citibank |
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Plus AT&T Calling Benefits: Up To 30 Free Phone Minutes Each Month; 2 Free Directory Assistance Inquiries Per Month and Other Wireless Benefits
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No Annual Fee
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0% APR* on Balance Transfers for 12 Months
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1 ThankYou Point for Every Dollar You Spend on Non-AT&T Purchases
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Up To 10% Savings for the First 12 Months on AT&T Purchases
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CreditCard49 Rating
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Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Intro Good On |
Credit Needed |
0.00% |
12 months |
999.000% |
none |
Balance Transfers |
Very Good |
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Card Info Last Reviewed 2007-09-07 |
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Our 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. 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. 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. 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. There is also a 0% introductory rate on balance transfers for 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.
Additional Perks
$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.
Notations
The APR for purchases and balance transfers varies according to the applicant's credit history and will be 5.99%, 8.99%, or 10.99% + Prime Rate.
The minimum APR for cash advances is 19.99%.
See website for complete terms and conditions of card usage and application disclosure.
View Website Details
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