Annual Fee: No Annual Fee
Purchase APR: 13.99% - 23.99% variable APR based on your creditworthiness.1
Balance Transfer APR: Balance Transfer APR: 0% Intro APR on balance transfers for 12 months. After that the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater1
Earn 10,000 bonus ThankYou® Points after you make $500 in purchases within 3 months of account opening
0% Intro APR on balance transfers for 12 months
After that, the variable APR will be 13.99%-23.99% variable APR, based on your creditworthiness1
Great rewards and automatic savings exclusively for AT&T customers1
Save up to 10% on AT&T purchases and service for the first 12 months; thereafter 5%1
1 ThankYou® Point for every $1 spent on non-AT&T purchases1
Earn 10,000 bonus ThankYou® Points after you make $500 in purchases within 3 months of account opening2
Bonus points are redeemable for $100 in gift cards2
Earn 1 ThankYou® Point for every $1 you spend on non–AT&T purchases, up to 50,000 points a year1
Redeem your points for great rewards. For example, 50,000 points is enough for $500 in gift cards or music downloads, and more than enough for great rewards in popular categories such as Electronics and Travel. Redeem your points by visiting thankyou.com or by calling 1–800–THANKYOU (1–800–842–6596)
With rewards starting at just 100 points, you’ll be rewarding yourself in no time
Earn up to 10% back on each dollar you spend on eligible AT&T purchases and services that is matched by the amount you spend on other purchases for the first 12 months, and 5% thereafter – up to $350 per calendar year1
Earn savings on AT&T products and services, including the latest Apple, Android, Blackberry, and Windows smart phones1
Savings post automatically on your billing statement each month, no waiting and no minimum redemption
Help stay in control while on the go with free account alerts and mobile banking tools
Share more than just minutes and maximize your rewards with free cards for authorized users at no additional cost
Manage Your Account Online and On The Go
Enjoy 24/7 access to your account online. Check your balance, view transactions, and even make a payment using free online and mobile banking tools. Get free accounts alerts delivered right on your mobile device.
$0 Liability on Unauthorized Charges
Shop anywhere and never lose a penny on unauthorized charges. With $0 Liability you won’t pay for any unauthorized charges made with your card.
The terms of the original manufacturers’ U.S. warranties (one year or less) may be extended up to one additional year on most items purchased on your card.
Citi® Price Rewind2
Buy now. Save later. Register your covered purchases at citi.com/pricerewind. Citi Price Rewind will search hundreds of retailers’ sites for 30 calendar days from the date of purchase to help find a lower price. If one is found that’s lower by at least $25, you can get the price difference back.
Retail Purchase Protection2
Most items purchased with your Citi card are eligible for protection against theft, fire or accidental breakage of up to $1,000 for up to 90 days from the date of purchase.
Travel & Emergency Assistance2
You’re protected when you’re traveling in the U.S. and abroad. Travel & Emergency Assistance services include medical and legal referrals, lost luggage assistance, emergency transportation, translation services and more. Included in this service are MasterTrip® Travel Assistance, Travel Services Medical Assistance and MasterLegal® Referral Service.
Automatic Travel Accident Insurance2
Charge plane, train or bus tickets to your Citi card and you, your spouse and eligible dependent children are automatically covered for Common Carrier Travel Accident Insurance at no additional cost.
Virtual Account Numbers
Now, with Virtual Account Numbers you never have to give out your real credit card number online. With one click, you can generate a substitute credit card number and make it virtually impossible for anyone to steal your account number while shopping online.
Tap and Go with "PayPass"
Request an AT&T Universal credit card "PayPass" payment tag and you can tap and go wherever "PayPass" is accepted.
Free Calling Benefits2
Take advantage of free calling benefits that come only with the AT&T Universal card. Get 2 free directory assistance calls per month, plus up to 30 free phone minutes that can be used to make long distance calls in the U.S., and internationally.