AT&T Universal Savings and Rewards Card Issued by Citibank. This card received a rating of 4.00 out of 5.00

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Basic Credit Card Information

Introductory Rate:	0% APR for up to 12 Months
Time Period:	See Terms
Rate Applied To:	Balance Transfers
Additional Details:	The introductory rate is available on balance transfers for up to twelve months.
Regular APR:	As low as 8.99%
Variable or Fixed:	Variable
Annual Fee:	$0
Annual Fee Details:	None
Application Fee:	n/app
Participation Fee:	n/app
Reload Fee:	n/app
Inactive Fee:	n/app
Total First Year Fees:	n/app
Type Of Rewards:	Point
Be sure to read the card's Terms and Conditions before applying!

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. 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. However, there is a minimum cap 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. There is also a 0% introductory rate on balance transfers for up to the first twelve months.

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.

This review was updated 2008-11-03T00:00:00.0000000-07:00

Reward Program Information

Type Of Rewards:	Point
Reward Program Optional:	No
	Optional programs may have a fee. See Terms and Conditions for details.

For Cards with Cash Back Incentives
Lowest Possible Rebate:	n/app
Highest Possible Rebate:	n/app
Additional Rebates:	n/app
Rebate Details:	n/app

For Cards with Point Incentives
Points Per Dollar Spent:	1 Point
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.
Point Details:	Points are redeemable for various merchandise, travel, experiences, gift cards, and more. See www.thankyouredemptions.com for more information.

For Cards with Airline Incentives
Miles Per Dollar Spent:	n/app
Additional Miles:	n/app
Program Details:	n/app

Rewards Expiration Period: 5 Years

Annual Limit: 50,000 Points

Additional Credit Card 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.

Special Notations about the AT&T Universal Savings and Rewards Card

*Cardholders will receive up to 10% savings for the first 12 months on AT&T purchases and 5% thereafter on each dollar spent on eligible AT&T purchases that is matched by the amount spent on other purchases. The APR for purchases and balance transfers varies according to the applicant's credit history and will be 4.99%, 8.99%, or 12.99% + Prime Rate. The minimum APR for cash advances is 19.99%. See website for complete terms and conditions of card usage and application disclosure.

Always read the credit card's Terms and Conditions before applying!