AT&T Universal Savings & Rewards Card $50 Bonus
The AT&T Universal Savings and Rewards Card from Citibank, which was the first ever credit card I got more than 13 years ago, is a credit card that’s designed for those with good credit who desire a credit card with an excellent rewards 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 rewards program, cardholders earn 1 point per dollar spent 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 eligible AT&T purchases. Points can be redeemed for various merchandise, travel, experiences, gift cards, and more. There’s, however, a limit on the rewards points you can accumulate in one year. 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.
In addition to the calling card benefits and the rewards program, the card offers a variety of platinum cardholder services that includes 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 rewards 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.
The following is a quick summary of the card’s main benefits:
- 1 ThankYou Point for each dollar spend on eligible purchases
- Save up to 10% on eligible AT&T purchases for the first 12 months
- 2 free directory assistance calls and 30 prepaid calling minutes per month
- Zero liability on unauthorized purchases
- No annual fee
Right now the AT&T Universal card is having a promotion to let you earn $50 statement credit after making $50 purchase within the first 3 months of becoming a card member.
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