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Credit cards are a great way for businesses and individuals to purchase items and services that are needed, and pay off the debt in several installments. It is important to remember that the credit card is the same as a loan, and should be paid off as soon as possible. Business cards are likely to have lower interest rates than individual cards, due to the higher spending limit that is generally .

AT&T Universal Cards feature personal cards for both savings and rewards. Known as the AT&T Universal Savings Platinum card and the AT&T Universal Savings and Rewards card, both allow users to pay for purchases while gaining benefits. Each card features unique benefits, security options and extras that remain unseen throughout the card industry. Fortunately, users can apply for either one of these cards via the AT&T website.The AT&T Universal Savings Platinum card allows users to save while they spend. Depending on the dollar amount spent on the card within a month, users can gain a small percentage of cash rewards. Also, AT&T allows users with this particular card to manage their finances via a mobile device. An AT&T application provides users the access to their accounts in a quick, effortless manner. This remains a desired feature for people who often need to check their finances while traveling. Lastly, AT&T guarantees that no annual fees apply to the card.AT&T's second option, the AT&T Universal Savings and Rewards card, features similar benefits as the first option, but it also comes with a few extra aspects. This card allows users to gain a maximum of $350 per year in rewards based on the dollar amount of purchases that they apply to the card. Also, users can gain up to ten percent savings when they purchase products that AT&T deems as eligible. Unlike the first card option, the AT&T Universal Savings and Rewards card offers thank you rewards as well. These rewards accumulate as points throughout the year. Fortunately, points accumulate regardless of whether or not the user purchases AT&T products. Users redeem these points for all sorts of consumer goods and vacations.The AT&T Universal Card allows users the opportunity to pick from two card options that offer great benefits. Whether the individual prefers to focus on savings or rewards, AT&T offers a card that satisfies this need.