AT&T Universal Card

AT&T Universal Card

The AT&T Universal Card, issued by Citibank, is designed for those with very good credit who desire a credit card with platinum cardholder benefits.

This card acts both as a reliable credit card and a calling card, but those who choose to use the card for calls may find the rates high compared to other calling card services. However, the card does provide two free directory assistance inquiries per month, up to 30 free phone minutes per month, and wireless phone loss and theft insurance.

The card has no annual fee, and the APR for purchases and balance transfers is reasonable for those who plan to carry a revolving balance. There is also a 0% introductory rate on balance transfers for twelve months. However, there is a minimum cap of 19.99% for cash advances, which means that no matter how low the LIBOR Rate falls (the APR is tied to the LIBOR )

In addition to the calling card benefits, the card offers a variety of platinum cardholder services that include up to $1,000,000 in travel accident insurance, auto rental insurance, lost and stolen card reporting, and fraud protection services.

Therefore, those who plan to take advantage of the calling card feature, the introductory rate on balance transfers, and the additional platinum services will benefit most from what the AT&T Universal Card has to offer.
Customized Card Finder Report

First you know which card best for you.

All questions must be answered to compile a list of care credit cards that you will most likely qualify for. The report will be created based on your answers, so please select the options as accurately as possible.

If you do not completely understand a question, click on the image for a pop-up explanation.
Personal Information

What is your estimated gross annual household income?

What is your current age?

Are you a U.S. Resident?

Are you a US Citizen?

Do you have a valid US SSN?

Have you ever filed for bankruptcy?

If yes, when did you file for bankruptcy?
Accounts / Credit History

How many credit cards, loans, or lines of credit have you applied for in the past six months?

Have you been denied car credit in the past?

Do you have any accounts currently past due?

How many times have you paid 30 days late in the past two years?

How many times have you paid 60 days late in the past two years?

How many times have you paid 90 days late in the past two years?

Do you have a bank account?

If yes, what type of bank accounts do you have?

How many credit cards do you have?

What percent of your total available credit is being used?
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Residency

What is your current state of residency?

What is your current home status?

How long have you lived at your residence?
Current Status

Are you a business owner and/or plan to use the card for business related expenses? (NOTE: If you choose this option then you will see only business cards.)

Are you currently enrolled in a university? (NOTE: Selecting this option will only display cards for students.)
Card Type

Do you have a card type preference?

do you like to know about any reward scheme in card?

Would you like to know if you could be considered for a lower status card?
*These options will not alter your search results. Instead, your report will include highlighted sections that will point out if the card offers one or more of the selected options.
What's Next?

Once you click on the "Create Your Customized Report" LINK below, an online report will display the credit cards you will most likely qualify for.
You will be provided with direct links to the applications to apply online.

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