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Earn 10,000 Bonus ThankYou® Points plus our lowest intro APR

Earn 10,000 bonus ThankYou® Points after you make $500 in purchases within 3 months of account opening.

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.1

Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.1

1 ThankYou® Point for every $1 spent on non-AT&T purchases1

Purchase APR: 13.99% - 23.99% variable APR based on your creditworthiness.1

No Annual Fee.1

Save up to 10% on AT&T purchases and service for the first 12 months; thereafter 5%.1

Great rewards and automatic savings exclusively for AT&T customers1

AT&T Universal Savings and Rewards Card

Overview
Features

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

Services

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.

Extended Warranty2
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
Many 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.

1Pricing & Information
Apply Now 1Pricing & Information 2Additional Information
2Additional Information

Additional Information - AT&T Universal Savings and Rewards Card


10,000 Bonus ThankYou® Points Offer
You will receive 10,000 bonus ThankYou® Points after $500 in purchases are made with your AT&T Universal Savings and Rewards Card within 3 months of account opening. Once these points post to your account, you may redeem them for your choice of $100 in gift cards good at leading national merchants or save them to use for other great rewards.


Extended Warranty Coverage
Extended Warranty coverage (duplicates the manufacturer or store warranty up to a maximum of 12 months on most items you purchase and is limited to repair or replacement of the lesser of the amount charged to your card or $10,000) is underwritten by Virginia Surety Company, Inc. Certain conditions, restrictions and exclusions apply.  Details of coverage will be provided upon cardmembership.


Retail Purchase Protection
Purchase Assurance® coverage (Coverage is limited to $1,000 per incident and $25,000 per cardmember account per year) is secondary coverage and is underwritten by Virginia Surety Company, Inc.  Certain conditions, restrictions and exclusions apply.  Details of coverage will be provided upon cardmembership.


Travel & Emergency Assistance 
Travel Assistance Services are provided at no charge; however, you may be responsible for associated costs. (For example, legal referrals are free, but the lawyer's fee is your responsibility.) Certain conditions, restrictions and exclusions apply. Program details will be provided upon cardmembership.


Automatic Travel Accident Insurance
Automatic Travel Accident Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, PA. Certain conditions, restrictions and exclusions apply. Complete program details, including coverage amounts, will be provided upon cardmembership.


Auto Rental Insurance
MasterRental® Insurance coverage (up to $50,000 per incident) is secondary coverage and is underwritten by Virginia Surety Company, Inc. Certain conditions, restrictions and exclusions apply. Not all vehicles and countries are covered. Details of coverage will be provided upon cardmembership.


Lost Luggage Coverage
Up to $3,000 in Common Carrier Lost Luggage Coverage is underwritten by Triton Insurance Company. (Coverage is limited to $2,000 to New York residents, coverage for all cardmembers is limited to $10,000 in the aggregate per trip.) Certain conditions, restrictions and exclusions apply. Details of coverage will be provided upon cardmembership.


Citi® Price Rewind
Prices are tracked for 30 days from the original purchase date. Citi Price® Rewind only tracks online prices. In order to be eligible for a refund, the price difference must be at least $25. Price Rewind refunds are limited to $250 per item and $1,000 per calendar year. Multiple purchases of the same item are limited to a $250 maximum claim payment per sales receipt. The entire purchase amount for the item must be made with your Citi card to be eligible for a refund. Items purchased with Thank You® Points are not eligible for this program. For customers who qualify for benefits for the same transaction under Citi Price Rewind, Internet Price Protection and Price Protection coverages, or any combination of those coverages, the Company will only pay under the coverage providing the highest benefit and no benefits will be due under the other coverages. Additional limitations and exclusions apply. Not every product found on this site qualifies for coverage so please see the Description of Coverage for program details and to learn what items are covered.

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