It's no secret why the ATT Universal Card is one of the most desired credit cards available online. Is it because of the no annual fee? Or perhaps it's because of the 0% introductory interest rate on balance transfers? Or is it possibly because of the unique rewards and cash back programs? Wait, it's probably because as a CitiBank customer, cardholders enjoy security protection against unauthorized purchases and identity theft. Actually, it must be because the ATT Universal Card is the only card that gives cardholders the convenience of a phone card and a credit card in a single source.

So what's the real answer? It's that all of these features are why the AT&T Universal Card is one of the most desired, and welcomed, family of credit cards in the world. Choose the best card for you: the AT&T Universal Platinum, the AT&T Universal Cash Back, or the AT&T Universal Rewards Card, and start experiencing your AT&T Universal Card advantage today!

AT&T Universal Platinum Card

• No annual fee
• 0% Intro APR on balance transfers
• Credit card can be used as a calling card.
• Up to 30 free phone minutes per month, anytime, anywhere.
• Secure, free online account
• Citi Identity Theft Solutions.
• $0 Liability Protection on unauthorized purchases
• Fraud Early Warning

AT&T Universal Cash Card

• No annual fee
• 0% Intro APR on balance transfers
• 5% cash back on purchases made at supermarkets, drugstores and gas stations.
• 5% cash back on certain AT&T consumer products and services.
• 1% cash back on all other purchases
• Citi Identity Theft Solutions.
• $0 Liability Protection on unauthorized purchases
• Fraud Early Warning

AT&T Universal Rewards Card

• No annual fee
• 0% Intro APR on balance transfers
• Earn up to 5 times the points on eligible purchases.
• 5 thank you points^SM on purchases made at supermarkets, drugstores and gas stations with your AT&T Universal Credit Card
• 5 thank you points^SM on certain AT&T consumer products and/or services
• 1 thank you points^SM on all other purchases
• Up to 30 free phone minutes per month, anytime, anywhere.
• Citi Identity Theft Solutions.
• $0 Liability Protection on unauthorized purchases
• Fraud Early Warning