AT&T Universal Business Rewards Card

AT&T Universal Business Rewards Card

AT&T Universal Business Rewards Card

AT&T Universal Business Rewards Card

AT&T Universal Business Rewards Card

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Card details

  • Designed for businesses with an established credit history

  • 0% APR* on Purchases for 6 Months. After that, 14.24% variable*

  • Earn 5 ThankYou Points® For Every Dollar You Spend On Eligible AT&T Products and Services

  • Earn 3 ThankYou Points® For Every Dollar Spent On Purchases at Certain Office Supply Merchants, Gas Stations, and On Professional Services and 1 ThankYou Point® For Every Dollar Spent On Other Purchases

  • Additional Cards For Employees With Credit Limits You Set

  • No Annual Fee*

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.00%

  • Bonus offer

    None

  • Intro APR

    Purchase: 0% if you qualify for 6 mos

    Transfer: None

  • Ongoing APR

    Purchase: 14.99%, Variable

    Penalty APR: Up to 30.74%, Variable

    Cash Advance APR: 22.74%, Variable

  • Balance transfer fee

    3%

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

Citibank AT&T Universal Business Rewards Business Credit Card

AT&T Universal Business Rewards Card

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0

Annual Fee

$95

Annual Fee

$0 intro for the first year, then $95

Regular APR

14.99% Variable

Regular APR

15.99% - 22.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Intro APR

Purchase: 0% if you qualify for 6 mos

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Just tell us some details and see which card matches your needs most.

Just tell us some details and see which card matches your needs most.

NerdWallet review

By Tim Chen

Rating details

3.5

Editor's overall rating

Pros and cons

Pros
  • No annual fee

Cons
  • Needs excellent credit

Verdict - The AT&T Universal Business Rewards Card is probably not as good as the Ink Business Cash® Credit Card.

The AT&T Universal Business Rewards Card offers 5% back on AT&T services, 3% back on gas, office supplies, and professional services, and 1% back elsewhere. While these are great benefits, you're most likely better off with Ink Business Cash® Credit Card. The Ink Business Cash® Credit Card offers 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year. Plus, you'll get 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Also, the AT&T Universal Business Rewards Card maxes out at 100,000 points a year while the Ink Business Cash® Credit Card has no rewards limit. On top of that, the Ink Business Cash® Credit Card also offers a much lower minimum APR: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 13.24% - 19.24% Variable APR.