Citi AT&T Universal

[wall9910]

I'm interested in this card for the 5% discount (initially 10%) on AT&T services. Does anyone have any experience with the card?

[longtime_lurker]

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@wall9910 wrote:
I'm interested in this card for the 5% discount (initially 10%) on AT&T services. Does anyone have any experience with the card?

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I was interested too but I opted against it for the sole reason that I didn't want to app for the card and only ever use it for my cell phone bill. Lol but I would imagine it would should have similiar U/W as the Dividend or Forward.

[Ron1]

I have had the card for almost six months Nothing special about this card. It has the same program as Citi TY MC except few beneits (celluar protection).  I got denied. I called Citi EO and they recon.  I got approved for $5K. By the way, they took portion of CL from Citi Cash Returns MC to  get approved. I reached rhe max exposure with Citi.

Ron.

[gnarlycow]

I would keep this card for only the first year, and then PC it to another card like Dividend.

The first year, you have to match your AT&T charges with purchases elsewhere. So it's like 5.5% cash back on average. You could also overpay your AT&T bill if you want to make a large purchase somewhere else. The cap, I believe, is $350 per calendar year. To reach that, you'll have to spend $3500 at AT&T and $3500 elsewhere.

[wall9910]

Thanks for the info. So are you saying that if my monthly AT&T bill is $100, I HAVE to use the card for an additional $100 that month to receive the 10% discount?

[gnarlycow]

Yes. AT&T purchases must be matched with purchases elsewhere to be eligible for the 10% statement credit. All purchases other than at AT&T earn 1TYP/$

[FinStar]

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@gnarlycow wrote:

Yes. AT&T purchases must be matched with purchases elsewhere to be eligible for the 10% statement credit. All purchases other than at AT&T earn 1TYP/$

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+1