AT&T Universal Savings and Rewards Card - Review | finder.com

Review: AT&T Universal Savings and Rewards

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Please note: This card has been discontinued, and it is not available on our site.

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Name Product Welcome Bonus Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
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Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
Earn 15,000 points after spending $1,000 in the first 3 months
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15,000 Membership Rewards points after you spend $1,000 in the first 3 months of opening your account
Earn 10,000 points after spending $1,000 in the first 3 months
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Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
Earn 200 cash back after spending $1,000 in the first 3 months
1% cash back
14.74% to 25.74% variable
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Earn 250 cash back after spending $1,000 in the first 3 months
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Earn $250 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $250 back in the form of a statement credit.
Earn 150 cash back after spending $500 in the first 3 months
1.5% cash back
16.74% to 25.49% variable
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Earn unlimited 1.5% cash back on every purchase - it's automatic. No minimum to redeem for cash back.

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You’ll also receive 1 ThankYou Point for every $1 spent on non-AT&T purchases of up to 50 points a year, and you can redeem your bonus points for $100 in gift cards. In addition you can save up to 10% on AT&T purchases and services for the first 12 months, and 5% afterward.

Things to consider about this card

The AT&T Universal Savings and Rewards is designed to help you save money, especially when enjoying AT&T products and services. You can get up to 10% of your money back on each dollar spent with the company. Buying the latest Apple, Android and Blackberry smart phones just got a little bit easier.

This card has no annual fee and has Intro APR on balance transfer for 12 months and great rewards and automatic savings exclusively for AT&T customers.

Features of the AT&T Universal Savings and Rewards

The AT&T Universal Savings and Rewards offers you these standard features.

  • No Annual fee: AT&T Universal Savings and Rewards offers no annual fee for you to become a member.
  • Balance Transfer APR: The company offers a balance transfer interest of 0% Intro APR on balance transfers for 12 months. Later the variable APR will be – which is based on your creditworthiness.
  • APR on purchases: AT&T Universal Savings and Rewards gives variable interest rates on your purchases of 13.99% to 23.99% variable , depending on your creditworthiness.
  • Interest-free period. The company offers you 23 days after the end of the billing cycle without charging you interest on your purchases and cash advances.

Complimentary insurances with this credit card

The AT&T Universal Savings and Rewards includes some helpful complimentary insurance policies when you use your card.

  • Extended Warranty Coverage: Underwritten by the Virginia Surety Company, Inc. this coverage provides doubling up of the manufacturer or store’s warranty for 12 months on most items you buy. It also gives limited repair or replacement of the lesser amount charged to your card or $10,000.
  • Retail Purchase Protection. This gives secondary coverage through Purchase Assurance®. Its coverage is limited to $1,000 per incident and $25,000 per cardholder account annually.
  • Automatic Travel Insurance. This is underwritten by National Union Fire Insurance Company of Pittsburgh, PA.
  • Lost Luggage Coverage. This is underwritten by Triton Insurance Company and gives coverage of up to $3,000 in Common Carrier Lost Luggage. Its coverage limitation to New York residents is $2,000, but coverage limitation to all cardholders is $10,000 in total per trip.

How to apply for this credit card

To be eligible to get your AT&T Universal Savings and Rewards you must have these following qualifications.

  • You must be 18 years or older, and applying for a new account.
  • You must have a good credit rating. This can be determined when the company will finish examining your annual salary, wages, other income and debt.

You should submit these following documents.

  • Personal details such as full name, street address, date of birth, and other identifying documents.
  • Financial details such as your employer, your bank, credit bureaus, details of income, assets and liabilities, etc.

When you finish submitting your application you’ll receive a reply within 60 seconds. Please take note that this online approval is essentially an ‘an approval in principle’ which is based on the information you have submitted. This will further require authentication of the documents and its final approval will be done after your personal identity is verified which must be done in person in a branch nearest you.

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