Credit, Personal Finance, Reviews, Shopping 

Cashback/Rewards Card Review – AT&T Universal Cash Rewards

Email  Print Print  

ATT Universal Cash Rewards CardThis offer has expired.

Do you buy groceries? Have you seen the skyrocketing price of gasoline? This card gives you 5% cashback on both. It also gives you 1% on everything else, 30 free phone minutes a month, and a whole host of other random credit card protections that you probably don’t care about.

Everything I’m going to tell you in terms of benefits is available from their application page, but keep reading for my personal experiences with them.

The 5% for gasoline is clutch, especially with gas over $2 a gallon. With 5% you are getting over ten cents back, which pushes the price under $2 (my psychological break point). I used to get gas at Costco because it was about 5 cents cheaper than the closest Exxon, but after 10 cents off the Exxon gasoline is cheaper.

The cash-back process is a little strange. The max cash-back is $300 (boo!) and you have to specifically request your checks (why?) and they have to be greater than $50. The cap isn’t the strange part, it’s the specific requesting of your check that doesn’t make sense to me. Just do it automatically so you don’t have to pay someone to take my call. A little known fact is that you also get 5% back on “eligible AT&T consumer products and/or services.” I have an AT&T Wireless cell phone plan and hopefully this will cover it, otherwise I get the typical 1%.

The free minutes and the other telephone stuff is pretty useless because I have a cell phone so that’s not a good reason to get the card. There is also an free annual review of your purchases which breaks down the categories in which you spent your money. You probably should run a budget and use that as an accurate measure of your spending, not this free annual review.

Also, Citi is very aggressive in trying to keep people on the program. I threw out the $15 check (I regret it because $15 is more than the typical $3 for signing up) so I’ll have to wait until they send it out again. I called and asked but the only thing the CSR can offer is a “rebate check” where you purchase something, send in a receipt, then get a check… too much hassle.

As always, comments are great appreciated.

{ 13 comments, please add your thoughts now! }

Related Posts

RSS Subscribe Like this article? Get all the latest articles sent to your email for free every day. Enter your email address and click "Subscribe." Your email will only be used for this daily subscription and you can unsubscribe anytime.

13 Responses to “Cashback/Rewards Card Review – AT&T Universal Cash Rewards”

  1. Amy says:

    I had the Citibank Credit protector, also. The last time I tried to cancel it they offered $50 in rebate certificates (in $10 increments!) that were good as long as you were enrolled in CP. I faithfully sent in my $10 rebate request every month for 5 months. I made sure not to charge anything in my Citicard during that time, too. When I had received my last $10 check, I called to cancel CP and they let me. I guess they don’t want to entice me to stay again!

  2. Tim says:

    I doubt the card will hook you with a 5% cash back for your cell phone since Cingular acquired ATT Wireless.

  3. jim says:

    I double checked it, I do get 5% on payment of my ATT Wireless bill because it’s still billed at ATT Wireless… I don’t know when it’ll switch over to say Cingular.

  4. Jonathan says:

    Still jealous that you get Costco gas… I’m dying over here, and Arco charges extra for credit cards…


  5. Iain says:

    I have the cash back rewards card. But they are only paying 4% on gas, although the website clearly advertises 5%.

    Why the difference? I have not yet got a satisfactory reply from them. An error, or consumer fraud by the company? Please check your statements and see if they are giving you 5% or 4%.

  6. jim says:

    I have no idea, but I’d call them and let them know!

  7. Norm says:

    I’ve had AT&T Universal cash rewards for a couple of years. I received my $300 back each of the first two or more years. so far I’ve collected about $150 back this year. Problem is I pay off my balance monthly. They’ve made no interest from me. Yesterday I get a notice they are cancelling my card and did not and will not give a reason. I had the same trouble with the GE cash rewards card several years back.

  8. Joel says:

    I was a charter member of AT&T Universal and have always used it as a ‘backup’ for when Amex isn’t accepted. I also got the ‘you’re cancelled’ notice. I guess I just wasn’t generating enough cash for them—maybe $5K a year of charges. Gosh. It’s like the very end of a long era: AT&T used to be the high end of customer service, and now it’s just a trade name used by SBC. So much for the promise of a lifetime relationship. Sic transit gloria … I guess I could call and spend 30 minutes talking to someone overseas who would read me useless data off of a script… or take my business somewhere else. Hmmm. I’ll take option B, Norm.

  9. Mark says:

    Yes, that’s it! AT&T has become a front to cover the incredibly bad service and products of SBC.

    Another one bites the dust…

  10. Anonymous says:

    Yep, I got the same cancellation notice from AT&T Universal. I guess if you pay your balance, they don’t make enough money from your account. I wasn’t concerned I have more than enough credit cards that aren’t being used already. BTY- I too was a charter member having received the card when it was first issued. Many of these company’s sell/buy/discontinue accounts, so much so that there is no brand loyalty anymore. They will reap what they sow. Which are people that only look at the bottom line– offer me no interest for 6 or 12 mo.’s and I’ll take the money and pay it back before the interest kicks it. Offer me cash back I’ll take it as long as the offer is good. You see you can’t buy loyalty you have to establish a relationship over generations. Something that many large companies lose sight of, such is life today.

  11. James says:

    I got the cancellation letter also in mid-May. Funny though, no follow-up letter nor any notice in my monthly bills. I thought all cards were being cancelled – the letter was a little vague – maybe only some people’s cards. For previous poster: don’t criticize SBC too much, the ATT card is owned by CitiBank. Anyway I just replaced the ATT card with a CitiBank card with the same cash rewards.

  12. Blew says:

    I too got the infamous cancellation letter. I have, or rather had, the cash reward card and I paid the card off every month….no interest from me either. I called to find out why AT&T cancelled my card and I was informed that AT&T is no longer is promoting the cash reward card. I asked why the cash reward card is still (july 19, 2006) being offered at their web site and I was told that no one has gotten around to changing the site yet. LOL! I was further told that my account cancellation became effective on June 30, 2006. Guess what!!! Three July 2006 charges were posted to my ex account! DUH! AT&T couldn’t explain that either.

  13. says:

    Hey i just went to know that when i get dis card is it going to be anymoney on it

Please Leave a Reply
Bargaineering Comment Policy

Previous Article: «
Next Article: »
Advertising Disclosure: Bargaineering may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website.
About | Contact Me | Privacy Policy/Your California Privacy Rights | Terms of Use | Press
Copyright © 2016 by All rights reserved.