AT&T Universal Savings & Rewards Card

APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)*
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: Up to 10% Savings* + ThankYou Points®
Credit Line: Minimum $500

  Apply Here

Now for each dollar you spend on AT&T products and services that matches the amount you spend on other purchases, you will receive 10% savings in the first 12 months (and 5% thereafter). You also receive 1 ThankYou^SM Point for every dollar you spend on non-AT&T purchases. Rewards are offered through ThankYou^SM Network.*
*See Terms and Conditions.

Online Services

• Check your balance or available credit.
  
• Pay your credit card bill—faster.
  
• View unbilled activity and statements—even download for your records.
  
• Get statements online only with the All-Electronic Program.
  
• Transfer balances quickly and easily.
  

ThankYou^SM Network

• ThankYou^SM Network is offered to certain cardmemers ("you") at the sole discretion of Citibank (South Dakota), N.A. ("we"), the issuer of your card account ("Card Account"). ThankYou Network or any portion thereof may be revised or terminated with 30 days prior written notice. If ThankYou Network is terminated, you will only have 90 days from the termination date to redeem all your accumulated ThankYou Network points ("ThankYou Points"). ThankYou Network rewards and the ThankYou Point levels required for specific ThankYou Network Rewards are subject to change without notice.
  
  
• Unless you are participating in a limited-time promotional offer, you will earn one ThankYou^SM Point for every dollar you spend on purchases(no ThankYou Points are earned on AT&T spend and no other transactions qualify to earn ThankYou Points)
  
  
• We do not determine whether merchants appropriately identify all transactions you make on your Card Account, but do reserve the right to determine which purchases qualify for ThankYou Points. You can earn up to 50,000 ThankYou^SM Points during any calendar year (eligible purchases appearing on your January-December billing statements). You may only earn ThankYou^SM Points on your Card Account as long as it is open and current. ThankYou Points expire five years from the end of the calendar year in which they are earned unless ThankYou Network is terminated.
  
  
• If you are approved for a Card Account, a ThankYou^SM Network Member Account ("ThankYou Member Account") will be set up for you. ThankYou Points post to your Card Account at the close of each billing cycle, and at that time we will transfer the ThankYou Points you earned to your ThankYou Member Account. ThankYou Points are not eligible for redemption until they are transferred to your ThankYou Member Account.
  

Up to 10% savings for the first 12 months on AT&T purchases plus AT&T calling benefits: Up to 30 free phone minutes each month & 1 ThankYou^SM Point for every dollar you spend on non-AT&T purchases!


See web site for complete terms & conditions