The AT&T Universal Rewards Card by Citibank is designed for those with very good credit who may also be looking for a card that offers rewards.

Through the reward program, cardholders earn five points for every dollar spent on purchases made at supermarkets, drugstores, gas stations, and through AT&T. For all other general purchases, one point is earned for every dollar spent. Points can be redeemed for various items or services. The maximum number of points that can be earned per year is 75,000, and points expire in five years.

Aside from the reward program, cardholders can expect access to a variety of platinum benefits that include up to $1,000,000 in travel accident insurance, purchase protection, and various travel and emergency assistance services.

This card has no annual fee and offers a reasonably low interest rate for purchases and balance transfers. There is also an attractive 0% introductory rate available for balance transfers for the first twelve months of membership. However, there is a minimum cap for cash advances; so no matter how low the LIBOR Rate falls (the APR is tied to the LIBOR Rate), the interest rate will not go below the minimum cap.

Therefore, those who will be able to take advantage of the reward program and the additional services available will benefit most from what the AT&T Universal Rewards Card has to offer.

 
Please be sure to read the issuer's Terms and Conditions