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AT&T Universal Rewards Card

• Earn 5 ThankYou Points for every dollar you spend in eligible AT&T purchases
• Earn 1 reward point for every dollar you spend on all other purchases
• 0% APR on balance transfers for 12 months
• Save on phone services you use every day
• $0 Liability Protection on unauthorized purchases
• Instant online decision

The AT&T Universal Rewards Card wants to know what it can do for you.  Many options are available with use of this card to earn rewards from a variety of companies.  The AT&T Universal Rewards Card is specifically designed for those individuals who have handled their financial resources well in the past and have a good credit history.

 

Rewards offered

1. You can earn up to 5 Thank YouSM points on qualifying purchases – Choose to use your points in a variety of methods and at numerous merchants.

2. You earn 5 Thank You points for every dollar you spend on applicable AT&T services or products.

3. You earn 1 Thank You point for every dollar you spend on other purchases.

4. You will receive 6,000 bonus Thank You points after you make your first purchase with your AT&T Universal Rewards Card in the first three months you have it – Choose among many great rewards, including a $50 gift card.

 

Merchant opportunities for rewards use

1. Alamo – Up to 20% off car rentals

2. Alamo – Complimentary car rental upgrade or Complimentary day usage

3. CrutchfieldElectronics.com—$20.00 off an order of $100.00 or more

4. Kosta Boda – 10% off glassware purchase of $100.00 or more

5. iSeatz (New Orleans, LA) – 23% off dinner at the Bombay Club

6. 1-800-Book-A-Limo – 20% off your reservation

7. The Wall Street Journal – Special subscription rate

8. Sun Village Resort and Spa (Puerto Plata, Dominican Republic – Complimentary room upgrade and many extra services

9. The Stein Group Hotels – 5% off best available rate and more services

 

The Thank You Network has some terms and conditions which must be met.  The list below includes some of the criteria :

1. The Thank You Network of merchants and programs may be revised or eliminated with 30 days prior written notice.  You will have 90 days from that point to use any accumulated points at that merchant

2. You earn one Thank You dollar for every dollar you spend on everyday purchases and five Thank You dollars for every dollar spent on an AT&T product or service

3. You can earn up to 75,000 points in one calendar year.  You can carry your Thank You points for up to five years before using.

4. Returned purchases, cash advances, balance transfers, and disputed purchases do not earn Thank You dollars.

 

Because AT&T is a leader in the communications industry, this rewards card also arrives with the option of the card acting as a calling card.  It provides the following:

1. Two free directory assistance calls

2. Up to 30 free minutes per month

3. Theft insurance and coverage for wireless phone loss.

 

The AT&T Universal Rewards Card has no annual fee and a 0% introductory annual percentage rate (APR) on balance transfers for a 12-month period.  Cash advances will incur a minimum 19.99% APR for usage.

The AT&T Universal Rewards Card also offers some of the exceptional services offered by the Platinum card choice.  These extras include:

1. Up to $1,000,000 in travel accident insuranc

2.
Fraud protection

3.
Lost or stolen credit card assistance

4.
Car rental insurance at no extra cost to you

Summary of rates and fees

1. Introductory rate for 12 months on balance transfers: 0% APR

2. Annual Percentage Rate (APR) for purchases: as low as 13.24% variable rate

3. Method used to calculate APR: APR is based on the London InterBank Offered Rate (or LIBOR).  Calculation is on the average daily balance, including new purchases

4. APR for cash advances: 23.31% variable

5. Annual fee: $0.00

6. Grace period for payment: A minimum of 20 days

7. Minimum credit line:  $500.00

8. Fee for late payment:  $15.00 on balances up to $100.00; $29.00 on balances of $100.00 to $250.00; $39.00 on balances over $250.00

9. Fee for over-the-limit charge:  $39.00

10. Fee for cash advance:  3% of transaction, $5.00 minimum

Summary of additional benefits available

1. Calling card option – AT&T Universal Rewards card can also be used to make phone calls

2. Fraudulent account activity – You have 0 liabilities on unauthorized charges.

3. Identity theft assistance – Bank representatives are specially trained to help you and to answer your questions.

4. Security and fraud protection services – Customer service representatives watching your account 24 hours-a-day, 7 days-a-week, scrutinizing any suspicious activity to alert you as soon as possible to any pending problems.

5. Financial statement summary – You receive an annual report of your account activity.

6. Lost luggage assistance.

7. Credit card replacement services in case of an emergency.

8. Legal and medical referral services – Customer service representatives are available to assist you in any way they can.

9. Online account management – Pay your bill online, look at your unbilled charged amounts, ask for a credit line increase, ask for help with balance transfer options.

 

The AT&T Universal Rewards Card offers rewards for good management of your finances.  Customer service representatives are available 24/7 to help answer any question you might have about your account and assist you in your needs.  The AT&T Universal Rewards Card also offers an easy online application process.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Balance Transfers	12 months	as low as 13.24%	None	Yes	Good Credit