 AT&T Universal Rewards Card
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Intro APR: Prime + 5.49%
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Issuer: Citibank
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What can you do with the all-new
AT&T Universal Rewards Card?
A whole lot, actually. Rewards, Connection, Protection, Convenience.
Plus, 0% APR* on balance transfers for 12 months.3
REWARDS - Earn up to times the points on eligible purchases
- Redeem your points for a variety of great rewards with the ThankYou Redemptions Network, an exciting network of retail stores, restaurants, travel providers and much more.
- 5 ThankYou Points for every dollar you spend at supermarkets, drugstores and gas stations
- 5 ThankYou Points for every dollar you spend on eligible AT&T products and/or services
- 1 ThankYou Points for every dollar you spend on all other purchases
CONNECTION - save on the phone service you use every day
2 free directory assistance inquiries per month1
Up to 30 free phone minutes per month, anytime, anywhere1
PROTECTION - enjoy fraud protection
Wireless phone loss and theft insurance reimbursement for replacement coverage2
Citi® Identity Theft Solutions
Fraud Early Warning
$0 Liability Protection on unauthorized purchases
CONVENIENCE - keep things simple with these helpful options
Online account management
24/7 Customer Service
Free Annual Account Summary
$Additional information
1., Rewards are offered through ThankYou Redemptions Network. You may earn up to 75,000 points in a calendar year (eligible transactions appearing on your Jan-Dec billing statements). Please see the Terms and Conditions of ThankYou Redemptions Network.
2., Consumer AT&T products and/or services must be purchased through an AT&T customer service center or purchased at att.com to qualify for the 5x points. For complete details, please see the Terms and Conditions of ThankYou Redemptions Network.
3., As long as first balance transfer is completed within 12 months of date of account opening, the balance transfer APR is 0% for 12 months from the date of the first balance transfer. After the promotional period, your standard APR for purchases will be applied to all remaining balance transfer and promotional purchase balance amounts. As of February 5, 2005, the standard variable APR for purchases is 10.24%. The standard variable APR for cash advances is 20.49%. However, if you default under any Card Agreement that you have with us, we may immediately increase the APR on all balances (including any promotional balances) to a variable default rate of 29.24%. The minimum finance charge is $.50. The transaction fee for cash advances is 3% of the amount of each cash advance, but not less than $5. The transaction fee for balance transfers is 3% of the amount of each balance transfer; minimum of $5 and $50 maximum. However, there is no balance transfer fee for balances transferred in response to this offer. The annual membership fee is $0.
4., A surcharge of at least 5 minutes (subject to increase) applies to pay phone calls. International flat rates are higher than U.S. domestic flat rates, differ according to destination called and are subject to change without notice. Rates may be higher for calls made to or from mobile phones. For complete details, please see the AT&T PrePaid Phone Service Terms and Conditions Agreement.
5., Certain conditions, restrictions and exclusions apply to Lost or Stolen Wireless Cellular Phone Insurance Coverage, provided by Virginia Surety Company, Inc. Lost or Stolen Wireless Cellular Phone Insurance Coverage is subject to a maximum reimbursement amount of $100 in excess of the $50 deductible you are required to pay (New York coverage varies, please see your Summary of Additional Program Information). Refer to your Summary of Additional Program Information for complete program details. If you become a new cardmember, you will receive your Summary within the next few weeks.
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 Apply for AT&T Universal Rewards Card
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- Transfer your balance to AT&T Universal Rewards Card
Be alert for companies offering a great interest rate for transferring your balance to their card. Usually these rates are only in effect for a short time, often six months. At the end of this time, the rate can revert to a much higher permanent rate. Keep your eye on the Annual Percentage Rate (APR); this is the figure that counts in the long run. Balance transfer credit cards are .
- Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews
- Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.
The best is the 0 APR of course.
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