AT&T credit card rewards any good?

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amitgupta0707
 
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AT&T credit card rewards any good?

Postby amitgupta0707 » Mon Aug 06, 2012 10:06 pm

Hi there, I have AT&T wireless family plan, ATT Uverse digital TV and internet service. I recently came across this Citi credit card called "AT&T Universal Savings and rewards credit card". With this card I can get upto 10% cash back on ATT bills (bill is going to be about 170$ each month), that's a 17$ saving each month (not bad for me).

I just wanted to know if anybody has/had any experience with this card; and/or what kind of credit score are they looking for for approval of this card.

Any comments are highly appreciated.


trumpet-205
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Postby trumpet-205 » Thu Aug 09, 2012 12:36 pm

I have that card. Be aware with that AT&T CC, you need matched spending from other categories to recevie discount.

Example,

I spent $170 on AT&T bills. To receive $17 discounts (10% off), I need to spend $170 on other things (not AT&T related).

If I only spent $50 on other categories, then I'll only get $5 discount. Spent $55 then I'll get $5.5 discount.
In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)

Money card
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Postby Money card » Thu Aug 09, 2012 9:56 pm

I would assume you need to make more than 15,000 annual salary, I would think 2 credit cards of a higher level
example a chase, citibank or Capitol1 , Bank of America or wells fargo or chase.

not really a orchard visa, not a M&T bank, citizens or key bank these are lower level cards.

but American express, Discover or a Major bank this is what I think.

trumpet-205
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Postby trumpet-205 » Fri Aug 10, 2012 1:14 am

Money card wrote:I would assume you need to make more than 15,000 annual salary, I would think 2 credit cards of a higher level
example a chase, citibank or Capitol1 , Bank of America or wells fargo or chase.

not really a orchard visa, not a M&T bank, citizens or key bank these are lower level cards.

but American express, Discover or a Major bank this is what I think.


??

ATT Universal CC is backed by Citibank, and it is a prime CC.
In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)

Gothicmoocow
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Postby Gothicmoocow » Sun Aug 19, 2012 9:35 pm

trumpet-205 wrote:??

ATT Universal CC is backed by Citibank, and it is a prime CC.

I dont think you got what he meant...
Money card wrote: I would think 2 credit cards of a higher level example a chase, citibank or chase.


Anyway. I wouldn't get it... but I base this only on having AT&T cell phone service. So disregard :)

jeffysdad
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Postby jeffysdad » Mon Aug 20, 2012 6:28 am

The AT&T Univesal Card from Citi is a fine choice if you spend a lot with AT&T. However, the matched spending requirement (as wisely pointed out above), might be a deal breaker for you as it was for me.

When you calculate your potential rewards from AT&T spending. Figure out what rewards you would be giving up on the required matched spending as I assume you would be diverting that from another card. I found the whole thing to be too much hassle to bother with, frankly, and opted to give up the small profit from AT&T rewards for simpler account management.

On another note, AT&T U-Verse and landline phone service, both of which I have, are pretty good. However, if you ever need to make a change to your service or have a problem, AT&T is the absolute worst company in the world to deal with. They are completely incompetent at fixing the most minor things and will drive you insane with their multiple attempts. It took them weeks to iron out a simple problem with my land phone line that they created. I absolutely hate AT&T and would switch except for all the hassle that would involve.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.



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