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Credit Card Rewards Wizard: Discover the Best Credit Card Reward Deals

Note: The default US Consumer Monthly Expenditure Amount refer to Consumer Expenditure Survey (CE) program

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Total you spend per month:	$	Gas Stations:	$
Restaurants:	$	Supermarkets and Drug Stores:	$
Convenience Stores:	$	Warehouse Clubs or Featured Stores:	$
Utilities (including TV):	$	Phone and Internet:	$
Wireless Phone Services:	$	Home Improvement Stores:	$
Airlines, Hotels, Cruises, and Tours:	$	Auto/Vehicle Rentals:	$
Book/Music/Video Stores, Movies:	$	Office Supply Stores:	$
Tax, Accounting, and Legal Services:	$	Web Advertising and Hosting:	$
Computer and Electronics Stores:	$	U.S. Postal Services:	$

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AT&T Universal Savings and Rewards Card Rewards Earning Details

Estimated Monthly Spent Summary:

U.S. Postal Services: $12
Auto/Vehicle Rentals: $157.5
Phone and Internet: $78.7
Utilities (including TV): $154.4
Supermarkets and Drug Stores: $242.2
Restaurants: $166.5
Gas Stations: $165.2
Total you spend per month: $1284.95

Annually Spent in Total: $15419.4

Gas Rewards

$1,982.40 * 5.00 point(s) = $9,912

Total Gas Points Earning in 12 month(s): 9,912 point(s)

Restaurant Rewards

$1,998.00 * 5.00 point(s) = $9,990

Total Restaurant Points Earning in 12 month(s): 9,990 point(s)

Foodndrug Rewards

$2,906.40 * 5.00 point(s) = $14,532

Total Foodndrug Points Earning in 12 month(s): 14,532 point(s)

Utility Rewards

$1,852.80 * 1.00 point(s) = $1,853

Total Other Points Earning in 12 month(s): 1,853 point(s)

Telecom Rewards

$944.40 * 1.00 point(s) = $944

Total Other Points Earning in 12 month(s): 944 point(s)

Autorental Rewards

$1,890.00 * 1.00 point(s) = $1,890

Total Other Points Earning in 12 month(s): 1,890 point(s)

Postal Rewards

$144.00 * 1.00 point(s) = $144

Total Other Points Earning in 12 month(s): 144 point(s)

Other Rewards

$3,701.40 * 1.00 point(s) = $3,701

Total Other Points Earning in 12 month(s): 3,701 point(s)

Bonus: 6000 bonus point(s) when the first time using the Card

Total Estimated Points Earnings Annually: 48,967 point(s)

AT&T Universal Savings and Rewards Card Review:

The AT&T Universal Savings and Rewards Card, issued by Citibank, is designed for those with good credit who desire a credit card with an excellent reward program.

This card acts both as a 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.

Through the reward program, cardholders earn 1 point per dollar on AT&T purchases and one point per dollar on all other purchases. AT&T Spend and any other transactions do not qualify to earn ThankYou® Points. Cardholders will also receive up to 10% savings for the first 12 months on AT&T purchases. Points can be redeemed for various merchandise, travel, experiences, gift cards, and more. The maximum number of points that can be earned per year is 50,000, and points expire in five years.

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 Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap.

In addition to the calling card benefits and the reward program, 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 reward program, the introductory rate on balance transfers, and the additional platinum services will benefit most from what the AT&T Universal Savings and Rewards Card has to offer.

(Review Updated: May 05, 2008)

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