AT&T Universal Savings and Rewards Card issued by Citibank
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. The AT&T Universal Savings and Rewards Card, issued by Citibank, is designed for those with good credit who desire a credit card with an excellent reward program. This card acts both as a credit card and a calling card, but those who choose to use the card for calls may find the rates high compared to other calling card services. However, the card does provide two free directory assistance inquiries per month, up to 30 free phone minutes per month, and wireless phone loss and theft insurance. Through the reward program, cardholders earn 1 point per dollar on AT&T purchases and one point per dollar on all other purchases. AT&T Spend and any other transactions do not qualify to earn ThankYou® Points. Cardholders will also receive up to 10% savings for the first 12 months on AT&T purchases. Points can be redeemed for various merchandise, travel, experiences, gift cards, and more. The maximum number of points that can be earned per year is 50,000, and points expire in five years. The card has no annual fee, and the APR for purchases and balance transfers is reasonable for those who plan to carry a revolving balance. There is also a 0% introductory rate on balance transfers for twelve months. However, there is a minimum cap of 19.99% for cash advances, which means that no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap. In addition to the calling card benefits and the reward program, the card offers a variety of platinum cardholder services that include up to $1,000,000 in travel accident insurance, auto rental insurance, lost and stolen card reporting, and fraud protection services. Therefore, those who plan to take advantage of the calling card feature, the reward program, the introductory rate on balance transfers, and the additional platinum services will benefit most from what the AT&T Universal Savings and Rewards Card has to offer. Most Attractive Feature: Long term 0% introductory rate; no annual fee; access to rewards program; bonus points. Least Attractive Feature: Yearly limit on points; five year expiration applied to earned points; minimum APR cap for cash advances. Apply Now For AT&T Universal Savings and Rewards Card Note: The review of this Citibank card was updated on 05/05/2008 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Introductory Rates and Terms
Intro Rate:	0% APR for 12 Months
Applied Towards:	Balance Transfers
Details:	The introductory rate is available on balance transfers submitted during the first twelve months.
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum) / $500 (Minimum)
Purchases APR:	As low as 10.99%
Cash Advance APR:	19.99% There is a minimum APR on cash advances.
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	20 Days (Min.)
Fees Associated with this Card
Annual Fee:	$0
Add. Cardholders:	$0
Late Payment Fee:	$15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over
Over-the-Limit Fee:	$39
Cash Advance Fee:	3%, $5 minimum
Balance Transfers:	A balance transfer fee applies with this offer* (see site for details).

The Rewards Program Highlights
Optional Reward:	No
Points Per Dollar:	1 Point
Additional Points:	Earn 1 point per dollar on all non-AT&T purchases. AT&T Spend and any other transactions do not qualify to earn ThankYou® Points.
	Points are redeemable for various merchandise, travel, experiences, gift cards, and more. See www.thankyouredemptions.com for more information.
Expiration:	5 Years
Yearly Limit:	50,000 Points
Other Bonus:	Up to 10% Savings on AT&T Purchases
	*Cardholders will receive up to 10% savings for the first 12 months on AT&T purchases.

Additional Highlights of Interest

Special Card Benefits and Features $0 liability protection on unauthorized purchases. Instant online decision. Card can be used as a calling card. Receive 2 free directory assistance inquiries per month. Receive up to 30 free phone minutes per month. Wireless phone loss and theft insurance reimbursement for replacement coverage. Various Internet account related services. Identity theft solutions. Fraud and security protection services. Year-end financial statement. Up to $1,000,000 in travel accident insurance. Lost luggage assistance. Auto rental insurance. Emergency card replacement. Emergency cash replacement. Lost and stolen card reporting. Medical referral services. Legal referral services. Various travel and emergency assistance services. Automatic bill payment. Up to 10% Savings on AT&T Purchases. See website for additional benefits. Important Notes Regarding This Offer *Cardholders will receive up to 10% savings for the first 12 months on AT&T purchases and 5% thereafter on each dollar spent on eligible AT&T purchases that is matched by the amount spent on other purchases. The APR for purchases and balance transfers varies according to the applicant\'s credit history and will be 5.99%, 8.99%, or 10.99% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.