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AT&T Universal Business Rewards Card
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Annual Fee
No Annual Fee1
Purchase APR
0.00% Intro APR on Purchases for 6 months; After that, 16.99%. This APR will vary with the market based on the Prime Rate1  
Balance Transfer APR
N/A

AT&T Universal Business Rewards Card

Earn 5 ThankYou® Points for every $1 spent on eligible products/services purchased directly from AT&T2 

Earn 3 points for every $1 spent on purchases at certain office supply merchants, gas stations and on professional services2  

  • Earn 1 point for every $1 you or your employees spend on other purchases2
  • Control spending with individual credit limits
  • Quarterly & annual account summaries separated by employees & purchase category
  • 24/7 Personal Business Assistant to arrange business dining, travel & entertainment

Reward Details

Now it’s easy to get rewarded faster on your eligible AT&T purchases.2 And that’s just the beginning. With rewards starting at just 1,000 points, you’ll be rewarding your business in no time.

With your AT&T Universal Business Rewards Card, you earn:

  • 5 ThankYou® Points for every $1 spent on eligible AT&T products and services purchased directly through AT&T2
  • 3 ThankYou® Points for every $1 spent on purchases at certain office supply merchants, gas stations and on professional services2
  • 1 ThankYou® Point for every $1 you or your employees spend on other purchases2

Cardmember Benefits

Personal Business Assistant

Our Personal Business Assistant service is available 24/7 to help with:

  • Gathering business information
  • Obtaining referrals for marketing and administrative needs
  • Office management
  • Travel arrangements
  • Hotel accommodations
  • Dining arrangements
  • Entertainment and more

Quarterly & Annual Summaries at no Additional Cost

Simplify the management of your expenses with quarterly and annual account summaries broken down by employees, spending category and amount.

Manage your account online

Manage payments, view statements, track activity, request a credit line increase and add employees.

Reach a Customer Service Representative Immediately

Questions about your card? Call Customer Service and press "2" to bypass pre-recorded phone menu options and reach an associate.

Save 10% to 60% on Many Prescription Drugs3

Get automatic savings from 10% to 60% on many prescription drugs at over 60,000 pharmacies nationwide (program not available in all states). Shortly after you get your credit card, watch for your Prescription Discount card in the mail, then go to www.prescriptiondiscountbenefit.com to find a pharmacy near you and for information on the mail order program.

  • Use your card for instant savings when you fill your prescriptions
  • Extend this benefit to non-cardmember employees for just $10 per year
  • Upgrade your coverage to include vision and dental discounts for just $8.95 a month

Additional Cards

Getting cards for your employees is easy, plus you can set individual credit limits to control spending.

Travel & Emergency Assistance3

You're protected when you’re traveling in the U.S. and abroad. Travel & Emergency Assistance services include medical and legal referrals, lost luggage assistance, emergency transportation, translation services and more.

Automatic Travel Accident Insurance3

Charge plane, train or bus tickets to your AT&T Universal Business Rewards Card and you are automatically covered for Common Carrier Travel Accident Insurance at no additional cost.

Auto Rental Insurance3

You're automatically covered when you reserve and rent a vehicle with your AT&T Universal Business Rewards Card and decline the car rental company's collision loss/damage waiver insurance.

Optional Services

Morgan Stanley Smith Barney Business Financial Management Account®

For business owners who have business banking needs, Morgan Stanley Smith Barney Business FMA offers banking services for small businesses to help manage cash and for their investing needs. Get Details


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$50 Gift Card: Earn 6,000 bonus ThankYou® Points when you spend $300 within the first 3 months, redeemable for a $50 Gift Card at select national merchants3

Citi® Platinum Select® MasterCard®

0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate1.

Sears Card®

Shop at Sears family of businesses on your card & enjoy exclusive sales & special financing offers2

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