AT&T Universal Business Rewards Card

AT&T Universal Business Rewards Card Sponsored Card
  • Minimum Credit Required:Excellent, Good
  • Annual Fee:None
  • Network: VISA
  • Rating:
    3.63.6 / 5 from 28 votes - Cast your vote!
 
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Rewards: Yes Type:  Points - Generic
Initial Bonus None Base Earn 1 point / $1 Max Earn 5 points / $1 Earn / Redeem Limit Yes
Reward Details:
  • Earn 5 ThankYou Points for every dollar spent on eligible AT&T products and services purchased directly from AT&T.
  • Earn 3 ThankYou Points for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services and 1 ThankYou point for every dollar spent on other purchases.
 
 
Purchases:
Intro Rate 0% Intro Period 6 months Regular Rate 14.24% (V)
Balance Transfers: Not Allowed  Cash Advances:
Cash Advance Rate 21.99% Cash Advance Fee 3% (min $5)
 
 
Additional Info:
  • 0% Intro APR on Purchases for 6 months. After that, 14.24% variable.
  • Additional cards for employees with credit limits you set.
  • Designed for businesses with an established credit history.
  • Max Late Fee:  $39
  • Max Overlimit Fee:  $39
  • Max Penalty APR:  29.99%
  • Grace Period:  20 days
  • Online Response:  No
  • Foreign Transaction Fee:  3%
Proceed
 
 
Your Recommendation
3.6
Your Rating: 1 2 3 4 5  
Overall Rating: 3.6 / 5 from 28 users

If you currently have the AT&T Universal Business Rewards Card and are satisfied or you like the terms of this credit card offer please let your friends know.

 
 
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About the Issuer: Citibank

Based on their website: "Citi is today's pre-eminent financial services company and was built to create a highly diversified financial services company that could act as one to deliver solutions to clients throughout the world.
With the most diverse array of products and the greatest distribution capacity of any financial firm in the world, their 350,000 employees manage 200 million customer accounts across six continents in more than 100 countries."

 
 
back to top Discussion

Share your experiences, thoughts or just ask a question:

  • Joe Weider:
    Shortly after the new iPhone dropped, I reviewed the AT&T Universal Savings Platinum Credit Card, and it just occurred to me that I should take a look at what its business cousin, the AT&T Universal Business Credit Card, has to offer. The AT&T Universal Business Card is for small business owners who have good or excellent personal credit scores (very important to realize). It’s a Citicard on the Visa network and doesn’t have an annual fee, but you’re obviously going to be most interested in the rewards it does have. This card offers 5 Citi ThankYou points for each dollar you charge on AT&T-related purchases, 3 points for purchases made through certain office suppliers, gas stations and professional services companies, and 1 point on everything else. You might be wondering what “certain” means, and according to the card’s rewards program details, “Office supply merchants are defined as stand-alone merchants that primarily sell stationery and office supplies for business consumption. Gas stations are defined as stand-alone merchants that primarily sell vehicle fuel for consumer use. Professional services are defined as standalone tax preparation, accounting, bookkeeping, and legal services providers that provide their respective services to businesses.” Apparently warehouse clubs, discount stores and convenience stores don’t count. The above might all seem like a lot to keep track of and for that exact reason, I’d stay away from the AT&T Universal Business Credit Card. I’m not a small business owner, but I know a few people who are and they have more than enough to worry about without fussing over what types of purchases qualify for X or Y amount of rewards. If I had to choose, I’d probably go with the Capital One cash business credit card over the AT&T business credit card cause it gives you 2% on all purchases, making it a whole lot simpler.
 
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The card information shown on this page was last updated: May 23rd, 2012 at 12:33 EDT

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