AT&T Universal Business Rewards Card

The AT&T Universal Business Rewards Card helps your small business work smarter, save time and earn extensive ThankYou rewards points in the process!!

• • Introductory 0% APR on Purchases for the first 6 months
  
• • Earn at LEAST 1 point per $1 spent on purchases
  
• • Earn 3 points per $1 in specific spending categories
  
• • Earn 5 points per $1 on AT&T products and services
  
• • Secure online card and account management services
  
• • No Annual Fee

Introductory 0% APR Offer lets you pay Less for Purchases

The Citi ThankYou Rewards Program

• Earn 5 ThankYou® points per $1 with AT&T - When you use your card to pay for products and services that come directly from AT&T, you'll earn 5x ThankYou® points for every $1 you spend.
  
• Earn 3 ThankYou® points per $1 in Various Spending Categories - You'll earn triple ThankYou® points for every dollar you spend on office supplies, gas station purchases and professional services!
  
• Earn 1 ThankYou® point per $1 - For every other purchase you make, you'll earn 1 ThankYou® point per $1 spent. ThankYou® points add up quickly, especially when you're shopping for your business!

The ThankYou Rewards System

• Rewards by Category - Search dozens of rewards categories to find the perfect prize for your ThankYou rewards points! Books, computers and electronics, tools and automotive, home and garden and much, much more.
  
• Social Games - You can redeem your rewards points for social and online games. Everything from in-games goodies like items, pets, in-game currency to the games themselves.
  
• Prepaid cards and Gift Cards - You can turn your ThankYou rewards points into gift cards or prepaid Visa cards for brand-name restaurants, retail and clothing stores and more.
  
• Cash and Charity - You can redeem your reward for CASH, mortgage payments, charitable donations, student loan rebates, or credit towards the outstanding balance of your account!
  
• Your Wish Fulfilled - If you have a minimum balance of 10,000 ThankYou points, you can contact a Wish Specialist who will try to make even those hard-to-find wishes come true!

Reward Yourself with Travel and Once-a-Lifetime Experiences

• Travel Center - Redeem your points for free flights, hotels, cars, travel packages and activities, all without blackout dates or seat restrictions.
  
• Travel Certificates - Starting at only 2,500 ThankYou rewards points, travel certificates make an excellent addition to any trip. This is because you can use these certificates towards your cruise, car rentals, and even hotel accommodations.
  
• Cruises - You can redeem your points and send yourself on a high-seas adventure from a wide selection of cruise lines around the world.

Great Business Benefits to Having an AT&T Universal Business Rewards Card

• Online Banking - Check your balance or available credit, pay your credit card bill faster, view unbilled activity and even download your statement records.
  
• Impressive Security - Secure Socket Layer (SSL) technology encrypts your personal data using a 128-bit encryption, one of the highest levels generally available.
  
• Additional cards for Employees - Give your trusted employees duplicate cards from your account. Monitor and set spending limits individually from your account!
  
• Customer Service - Reach a live customer service agent immediately when you call!
  
• Account Summaries - Quarterly and account summaries itemized by spending categories and employee accounts.
  
• Personal Assistant Services - This 24-hour concierge service assists you with travel and dining arrangements, business contacts, and even helps you find and purchase office supplies and equipment!

Additional Visa Business Benefits

• Citi Identity Theft Solutions - Get assistance in the event of identity theft or fraud.
  
• Early Fraud Warning - You'll be contacted to verify suspicious activity before any further charges are authorized.
  
• Purchase Security - Most items purchased with your cards are covered against damage or theft within 90 days of the purchase date.
  
• Auto Rental Insurance - Reserve your rental with your card and you'll receive collision, loss and damage protections.
  
• Travel and Emergency Assistance - Be protected at home and abroad with medical and legal referrals, emergency transportation, lost luggage assistance, translation services, and more.
  
• Automatic Travel Accident Insurance - Charge your fare to your card and you're covered up to 1 million dollars.
  
• The Lost Wallet Service - If you lose your wallet (or just your card) you can receive a new card at no cost, emergency cash when applicable, and more.

Final Considerations