Benefits of the AT&T Universal card include saving on AT&T purchases, earning a credit based on all purchases and accumulating ThankYou Points, as reported by the card issuer, Citibank, as of July 2015. Benefit amounts vary between the AT&T Universal Savings Platinum card and AT&T Universal Savings and Rewards card.
Cardholders also receive identity theft protection, zero liability on unauthorized purchases, emergency card replacement, fraud warnings and free virtual account numbers, states Citibank. The AT&T Universal MasterCard provides up to $250,000 in global travel insurance, up to $50,000 in rental car loss/damage insurance and up to $10,000 per year in extended warranties.
