The AT&T Universal Rewards Card is a mastercard that is issued by Citibank, and caters for those with average or fairly good credit. This is a rewards credit card, which offers a one percent rebate to cardholders on general purchases made through the credit card. There is also a five percent rebate offered on all credit card purchases made at drugstores, supermarkets, and gas stations. Rebates can also be earned on balance transfers and cash advances, and there is no expiry on rebates earned. However there is a limit of $300 on rebates earned in any one year.
With this credit card, an introductory rate of 0% is offered on all balance transfers made during the first twelve months. The variable interest rate charged on purchases made on the credit card is 13.82%. There is no annual fee charged for this card, and cards for additional cardholders are available at no extra cost.
Late repayment fees on this Citibank credit card range from $15 to $29 depending on the balance of the credit card. Unauthorized borrowing that takes the account over the limit is charged at $35, and there is a three percent or five dollar fee on cash advances. Balance transfers are charged at three percent or five dollars minimum, with a $75 maximum charge per balance transfer transaction.
This credit card also offers a range of additional cardholder benefits, and these include: Internet account management, calling card facility, automatic bill payment service, fraud and security protection, purchase protection, extended warranty for purchases, protection on unauthorized transactions, travel accident insurance, car rental insurance and discounts, and year end financial statements.
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