AT&T Universal Savings and Rewards Card
- Up To 10% Savings for the First 12 Months on AT&T Purchases
- 1 ThankYou® Point for Every Dollar You Spend on Non-AT&T Purchases
- 0% APR* on Balance Transfers for up to 12 Months
- No Annual Fee
- Plus AT&T Calling Benefits: Up To 30 Free Phone Minutes Each Month; 2 Free Directory Assistance Inquiries Per Month and Other Wireless Benefits
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% APR for up to 12 Months | As low as 9.49% | Very Good | $0 |
AT&T Universal Savings and Rewards Card Review
Card Rating: 
This Citibank card gives individuals with good credit access to a unique rewards program. In addition to being a credit card, cardholders can also use their AT&T Universal Savings and Rewards Card as a calling card, though rates are more expensive than regular calling cards. Users get up to 30 minutes of phone minutes a month, two free directory assistance calls a month and loss or theft insurance for wireless phones. The card also lets users earn one point on the dollar for AT&T purchases and one point per dollar on all other purchases. In addition to the point system, cardholders will receive up to 10% savings on AT&T purchases for the first year. Cardholders have up to five years to redeem their points for merchandise and gift cards and only 50,000 points can be earned each year. This card also has no annual fee and an average APR. Extra benefits include identify theft solutions, lost luggage assistance, travel accident insurance and more.
» Click here to apply online now at Citibank's Web site
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