The AT&T Universal Card is a credit card offered by AT&T that has no annual fee and a variety of benefits and savings. Cardmembers can choose from either the AT&T Universal Savings Platinum Card or the AT&T Universal Savings and Rewards Card.
According to the AT&T website, the two AT&T Universal Cards are beneficial to the card member in several ways. The card allows the owner to enjoy up to 10 percent in savings on all eligible AT&T products and purchases for the first 12 months, and then 5 percent thereafter. This equals up to $350 per calendar year. According to an AT&T press release, holders of the AT&T Universal Savings and Rewards Card also are able to earn and redeem points through the Citi's ThankYou Rewards Network. Those points can be used to obtain merchandise, travel and gift cards at restaurants and leading retailers.
As of 2015, the AT&T Universal Savings Platinum Card combines a relatively low rate with a 12-month 0 percent APR on balance transfers, according to the press release. Other benefits for the Savings Platinum Card include two free directory assistance calls each month, up to 30 prepaid phone minutes per month and free mobile phone insurance.