• Summary: This card from AT&T and Citibank is a great convenience for those who want to carry fewer cards and have one card to use for their credit card and calling card all in one. No more hassling with having to go to your local convenience store and purchasing an over-priced calling card. You also have a few other options to pick from with the ATT Universal Card - one of the cards you may choose from is for Thank You Points.  One of the disadvantages of this card is the maximum per year and of course the hassle with the Thank You network.  Thank You Redemptions Network online catalog let you pick from many great rewards including Ipods and cool electronics. The 0% APR on balance transfers for up to 12 months is the best in the credit card business. Citibank lets you know upfront that you will pay for balance transfer fees with this offer initially.  That is what makes this ATT Universal card so popular with consumers!
• Another neat feature to carry this card in your wallet is the FREE Phone Services with this card: Up to 30 free phone minutes per month, anytime, anywhere!

• Up to 10% savings for the first 12 months on AT&T purchases
• 1 ThankYou Point for every dollar you spend on non-AT&T purchases
• 0% APR* on Balance Transfers for up to 12 months
• No Annual Fee
• Plus AT&T calling benefits:  Up to 30 free phone minutes each month; 2 free directory assistance inquiries per month and other wireless benefits
• Compare ATT Universal Card to the Chase Rewards program
• Apply Now for the AT&T Universal Rewards Card

*Balance transfer fee applies with this offer

Do you have to select AT&T as your long distance provider to benefit from this rewards credit card?

No. You can use this card to pay your Bell South, SBC, Sprint, Tmobile, Verizon, PacBell, or any other telecommunications bills that you can pay via credit card. Although, the calling card part of the credit card only uses access to AT&T's international calling network.

How to use your new ATT Universal Credit Card and use it as a Calling Card:

Dial 1 800-CALL-ATT® and enter the calling card number on your AT&T Universal Card and your 4-digit PIN.

Then just pay 35 cents per minute with no monthly charge for domestic calling card calls. AT&T will add a surcharge for calling card calls originating from pay phones. Call 1 800-CALL-ATT® for the current pay phone surcharge amount. Universal Connectivity charge also applies.

ATT Universal Cash Card Review

We are now only offering the ATT Universal Card with "thank you" points instead of cash. ATT Universal Cash Card offers cash back rewards starting at 5% cash back on purchases almost until the end of the year. AT&T and Citibank will then send you a $100 check once you have reached $100 in rewards points. I would suggest you transfer any outstanding balances to this card and use this card until the end of the 12 month period until you max out your benefits for this card. You can now save money at gas stations qualifying this card for one of our favorite gas rebate cards but there is one bad point about this card: the maximum savings allowed per account is $350 per calendar year. You can earn 1 ThankYou Point for every dollar spent on non-AT&T purchases, up to 50,000 per calendar year, that can be redeemed for gift cards, travel, electronics and more.