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    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 phon

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    If you are a fan of all things AT&T then you'll love the range of credit cards they have to offer. Even if you don't use AT&T, after I show you the benefits of the ATT credit cards, you just might want to switch.

    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

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    ard 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 phon

    Market Your Book
    Book as industrial product, science product, and intellectual product, needs to market to get support from the society. This is very important because from there we will get money to develop knowledge and science. Without this, our culture and society never change from bad to the best hope.Our book needs marketing to share our thinking and knowledge become enlightenment to human and societ
    >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 phon

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    e 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 phon

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    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

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