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

Review: AT&T Universal Savings and Rewards Card – February 2018

Get 10,000 after you spend $500 or more using the AT&T Universal Savings and Rewards Card.

Go shopping using your AT&T Universal Savings and Rewards Card and Earn @cc_bonus_points_signup@ bonus ThankYou Points after you spend $500 in the first 3 months.

Product NameCitibank AT&T Universal Savings and Rewards Card
Intro APR for Balance Transfer0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
Balance Transfer Rate (not intro)13.99% to 23.99% variable
APR for Purchases ( Purchase Rate )13.99% to 23.99% variable
Annual fee$0
Cash Advance Rate25.24% variable
Card TypeMastercard
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 23 days
Foreign Currency Conversion Fee (MC)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Minimum Credit ScoreFair (660-699)
Minimum Age18 years of age
Annual fee$0
Late Payment Fee$35
Cash Advance Fee$10 or 5% of the transaction, whichever is greater
Rewards ProgramThankYou Rewards
Bonus Points on Sign-up10,000
Rewards Points per $ spent (VISA/MC)1
Rewards Points per $ spent (AMEX)0
Rewards Points per $ (VISA/MC) Cap0
Rewards Points per $ (AMEX) Cap0
Points ExpiryNever

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 card 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 months and great rewards and automatic savings exclusively for AT&T customers.

Features of the AT&T Universal Savings and Rewards Card

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

  • No Annual fee: AT&T Universal Savings and Rewards Card offers no annual fee for you to become a member.
  • Balance Transfer APR: The company offers a balance transfer interest of Intro APR on balance transfers for months. Later the variable APR will be 13.9923% p.a. – which is based on your creditworthiness.
  • APR on purchases: AT&T Universal Savings and Rewards Card gives variable interest rates on your purchases of 13.9923% p.a., 18.99%, or 23.99%, 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 Card 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 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.

Compare other Citi credit cards

Rates last updated February 18th, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Citi® Double Cash Card
14.74% to 24.74% variable
0% Intro APR for 18 months (with the amount of each transfer, $5 or 3% balance transfer fee)
$0
Earn 1% cash back for payments on purchases, on top of the 1% cash back on purchases. No annual fee.
Citi ThankYou® Preferred Card
14.74% to 24.74% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Enjoy our low intro APR for 15 months on purchases and balance transfers.
Citi® Secured Mastercard®
23.74% variable
$0
Start building credit for tomorrow with a secured credit card.
AT&T Access Card from Citi
15.24% to 24.24% variable
$0
Get rewarded for purchases you're already making with the AT&T Access Card, a top rewards credit card from Citi. Apply for the AT&T credit card today and start earning ThankYou® Points redeemable for gift cards, travel rewards electronics and much more.
Citi Simplicity® Card
15.24% to 25.24% variable
0% Intro APR for 18 months from date of first transfer; completed within 4 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
This is the only card with No Late Fees, No Penalty Rate and No Annual Fee - Ever. Give it a try and apply to find out what the Citi Simplicity® Card can do for you.
Citi Prestige® Card
16.99% to 24.99% variable
$450 for the primary cardmember
Complimentary 4th night stay at any hotel of your choice after a minimum 4-consecutive night booking through ThankYou.com
Costco Anywhere Visa® Card by Citi
16.49% variable
$0
Earn Costco cash rewards everywhere Visa® is accepted.
Citi® Diamond Preferred®
14.24% to 24.24% variable
0% Intro APR for 21 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Lowest intro APR for 21 months plus VIP Access.
Citi® / AAdvantage® Executive World Elite™ Mastercard®
16.99% to 24.99% variable
$450
Earn 50000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening.
Citi® / AAdvantage®  Platinum Select®  World Elite™ Mastercard®
17.24% to 25.24% variable
$0 annual fee for the first year ($95 thereafter)
Earn 60000 AAdvantage® bonus miles after you spend $3,000 in the first 3 months.
Citibank AT&T Universal Savings and Rewards Card
13.99% to 23.99% variable
0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn 10000 bonus ThankYou Points after spending $500 in your first 3 months.
Citibank AT&T Universal Savings Platinum Card
13.99% to 23.99% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Citi ThankYou® Preferred Card for College Students
15.74% to 25.74% variable
$0
Earn 2500 bonus points after spending $500 within the first 3 months of account opening.
Citi Gold / AAdvantage World Mastercard
16.99% to 24.99% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0 annual fee for the first year ($50 thereafter)
Earn 25000 American Airlines AAdvantage® bonus miles after you spend $750 in purchases within the first 3 months of account opening.
Citi ThankYou® Premier Card
15.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy Great Rewards and Earn ThankYou® Points on Dining, Entertainment, Travel and more

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How to apply for this credit card

To be eligible to get your AT&T Universal Savings and Rewards Card 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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