AT&T Universal Business Rewards Card
AT&T Universal Business Rewards Card
AT&T Universal Business Rewards Card
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
AT&T Universal Business Rewards Card | ||
---|---|---|
Learn more | Learn more | |
Annual fee$0 | Annual fee$99 | Annual fee$199 |
Regular APR14.99% Variable | Regular APRSee Terms | |
Intro APRPurchase: 0% if you qualify for 6 mos | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 21.24%-29.99%. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By Tim Chen
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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 18.49%-24.49% Variable APR.