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.

Another rewards card

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
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Name Product Welcome Offer Rewards Annual Fee
$150 statement credit after spending $1,000 in the first 3 months
3% at US supermarkets on up to $6,000 per year, then 1%. 2% at US gas stations and select US department stores and 1% on all other purchases
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
3% cash back on all purchases in your first year up to $20,000 spent, then unlimited 1.5% cash back on all purchases
3% cash back on all purchases in your first year up to $20,000 spent, then unlimited 1.5% cash back on all purchases
$0
Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
3% cash back bonus on up to $10,000 in the first 12 months, then 1.5%
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$150 after spending $1,000 in the first 3 months
Earn unlimited 1.5% cash back on your purchases
$0
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
$150 cash back after spending $500 in the first 3 months
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
60,000 points after spending $5,000 in your first 3 months
5x points on flights booked directly or flights and hotels booked through American Express Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees
N/A
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
$0 to $99
Get 1% cash back rewards on eligible purchases.
35,000 points after spending $2,000 in the first 3 months
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & fees
25,000 points after spending $2,000 in the first 4 months
2x points on gas, groceries and airlines, whichever you spend the most on each month, 2x points on cell phone services and charities and 1x points on all other purchases
$0 intro annual fee for the first year ($49 thereafter)
Earn 25,000 enrollment FlexPoints worth $375 in travel after spending $2,000 in the first 4 months. Rates & Fees
30,000 miles after spending $1,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & fees
40,000 miles after spending $2,000 in the first 3 months
$0 intro annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
10,000 miles after spending $500 in the first 3 months
2x miles at US restaurants and on purchases made directly with Delta and 1x miles on all other purchases
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & fees
$250 statement credit after spending $1,000 in the first 3 months
6% at US supermarkets (on up to $6,000 annually, then 1%), 6% on select US streaming services, 3% on transit, at US gas stations and 1% on all other purchases
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
70,000 miles after spending $5,000 in the first 90 days
2x miles on all purchases
$0 intro annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
$150 after spending $500 in the first 90 days
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore
$0 to $99
Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
125,000 points after spending $2,000 in the first 3 months
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees

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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 13.99% to 23.99% variable – 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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