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Save Up To $350 With AT&T Credit Card

You'll save 10% on AT&T purchasesCo-branded credit cards — those created when a company partners with a bank — are generally not the best choice for everyday use because only certain purchases qualify for maximum rewards.

However, if you’re an AT&T subscriber, the AT&T Universal Savings and Rewards Card from Citibank is an exception.

A card designed only for an AT&T member with excellent credit, the Universal Savings and Rewards Card offers 10% cash back on AT&T purchases for the first 12 months and 5% cash back after that.

You can save a maximum $350 per year on phone bills, utility bills or purchases from

It’s important to note that only direct costs from AT&T are included, so purchases from independent carriers are not eligible.

Since it’s also a Citibank rewards card, you’ll earn one ThankYou point for every dollar spent on non-AT&T purchases.

The ThankYou rewards program isn’t quite as good as many other points programs because every 100 ThankYou points is worth roughly 60 cents.

Still, this card is all about the AT&T bonus.

To make up for the small disadvantage, the card also offers:

  • Extended warranties on merchandise for up to one additional year.
  • Automatic travel insurance so you, your spouse and your children are financially protected while on vacation.
  • An optional PayPass payment tag that you can use to tap and go wherever PayPass is accepted.

The Universal Savings credit card has a purchase APR of 12.99% variable (prime rate plus 9.74%) and a 0% intro APR on balance transfers for 15 months.

Once the introductory rate expires, the balance transfer APR becomes a very low 12.99% variable. You’ll pay a 3% fee on all transfers, with a $5 minimum.

Compare this card with cash-back credit card offers in our extensive database.

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