There are two main options to choose from if you are shopping for ATT credit cards, the first is the AT&T Universal Platinum Card and the second is the AT&T Universal rewards card.
The good thing is that each card has a student option, with rates and benefits that are more suited to the student life.
For ease of reading all the information is listed below so you can compare the benefits at a glance.
General Options
AT&T Universal Platinum
Annual Fee
? None
APR
? 0% for 12 Months then 11.33%
Balance Transfer
? 0% for 12 Months
Benefits
? 2 free directory assistance inquiries per month
? Up to 30 free phone minutes monthly
? Loss and theft insurance for your wireless phone
? $0 liability on unauthorized purchases
? Free Online services
AT&T Universal Rewards
Annual Fee
? None
APR
? 11.57%
Balance Transfer
? 0% for 12 Months
Benefits
? 6000 free first purchase bonus points
? 5 points for every $1 spent on AT&T services
? 1 point for every $1 on other purchases
? Plus all the benefits of the Universal Platinum
Student Options
AT&T Universal Platinum
Annual Fee
? None
APR
? 0% for 6 Months then 17.81%
Balance Transfer
? 0% for 6 Months
Benefits
? 2 free directory assistance inquiries per month
? Up to 30 free phone minutes monthly
? Loss and theft insurance for your wireless phone
? $0 liability on unauthorized purchases
? Free Online services
AT&T Universal Rewards
Annual Fee
? None
APR
? 0% for 6 Months then 17.81%
Balance Transfer
? 0% for 6 Months
Benefits
? Special student discounts
? 5 points for every $1 spent on AT&T services
? 1 point for every $1 on other purchases
? Plus all the benefits of the Universal Platinum
There are maximum limits on the amount of points you can earn each year which is 75,000. This is the major downfall of this card. With so many other reward credit cards offering unlimited earning potential, the ATT credit card would have been even more competitive if they offered this feature as well.
Saying that, the rates on the general cards are quite good, and because the card supports a service that you use everyday, it should not take long for you to build up those points.
Like most other rewards credit cards you can redeem points for:
? Travel
? Gift certificates
? Rebates
? Products
The Universal Rewards card seems to have the better benefits in both the student and general categories so you might want to consider this one first.
I think ATT delivers with this card, it is one of the best rates and list of benefits I have seen combined, but don't take my word for it, compare other reward credit cards and general credit cards for yourself before making your final decision.
