2013 ATT Universal Card - Business vs. Personal Version

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2013 ATT Universal Card - Business vs. Personal Version

Postby CreditCardGuru » Sat Mar 16, 2013 3:02 pm

AT&T Universal Card Review: Before you apply find out the benefits. Here are the pros and cons for the Citi AT&T credit card.

[IMGA=AT&T Universal card]http://creditcardforum.com/images/cards/att-universal-card.jpg[/IMGA]
The Universal Card was the “granddaddy” of the rewards credit card revolution. It’s been around since 1992 and while the program has been tweaked over the past couple decades, it still remains one of the most popular. Why? Because the AT&T Universal Card benefits on the business version are hard to beat. Just take a look at what it offers…

2013 Update: The older (lucrative) rewards program is no longer available. As an alternative, I suggest you check out these:

I'll go ahead and leave the old review up of the AT&T offers for reference.
What's the annual fee? The AT&T Universal Business Card has no annual fee! However the non-business version does charge $60.

What are the benefits? First and foremost would be the rewards program, but the business card also comes with the gamut of benefits. Some you would expect, while others will come as a pleasant surprise:
  • Auto Rental Insurance - surprisingly this is primary coverage, NOT secondary
  • Purchase Security - covers eligible new purchases for 90 days if they are damaged or stolen
  • Account Summaries - both annual and quarterly, if desired
  • Concierge - 24/7 service
  • Employee Cards - no cost for these
  • Common Carrier Travel Accident Insurance - up to $1 million in coverage during travel via qualifying plane, bus, and train tickets charged to your card
How do the rewards work?
The AT&T Universal Card's Thank You Points will be familiar to you if you already have a Citi credit card.

In a nutshell, it’s probably the most diverse rewards program on the market. Your Thank You points can be redeemed for almost anything you can think of including cash, gift cards, merchandise, entertainment, travel, charitable donations, statement credits, mortgage payments, and much more.

How much is each Thank You Point worth?
Like just about any credit card rewards program, points can vary in value depending on what you’re redeeming them for. However when you redeem them for gift cards, I’ve found that usually 10,000 points can get you a $100 gift card. That’s good news because it equals out to a penny per point (you should never settle for less).

Business versus Regular?
The business version of the AT&T credit card offers a far superior rewards system than the regular card. Here’s what you get…
5 Thank You Points per dollar on AT&T products/services
Yes, it gives a whopping 5 points for ever $1 spent on eligible AT&T products and services purchased directly from AT&T. Pay your iPhone bill with the AT&T credit card and these savings add up fast!

3 Thank You Points per dollar at office supply merchants, gas stations, & professional services
Pay for gas, trips to Staples, and your tax preparer with the card (professional services) and because it’s 3x the earning power, you can save a lot of money even if you don’t spend that much.

1 Thank You Point per dollar on your other purchases
On the other hand, the personal version of the Universal Card only gives the 5% on AT&T spending and 1% on other purchases. It does NOT give the 3x points on those other categories.

Applying for the AT&T Universal Card for business?
You can apply as an individual (sole proprietor). In that case the “Legal Name of Business” will be the same as your regular name, and you will use your Social Security as the Tax ID number.
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