AT&T Universal Credit Card Review, Login Guide, Payment Process and Customer Service

AT&T Universal Credit Card

AT&T is an international telecommunications company, providing television, phone and internet packages and services for millions of people. AT&T Universal Credit Card is one of the credit cards issued by Citi Bank. This credit card offers reasonable interest rates and a solid rewards program that allows cardholder to earn extra points for purchasing. Through this credit card, you could be able to gas, office supplies, professional services, and purchases from AT&T while easily tracking business expenses.

AT&T also provides a range of competitive credit cards for a wide range of consumers, including both personal and business use.

Now you are looking to make your AT&T Universal credit card payment. Log-in to view your statement or manage your account online? AT&T is an international telecommunications company, providing television, phone and internet packages and services for millions of people.

This guide details the most popular cards offered by AT&T, with card and payment information to help you make payments. To make a payment online or manage your account, follow the link provided below on this page to the AT&T credit card login.

You will also find useful payment methods to pay your bill via AT&T Universal Credit Card. You will also have access to information such as the credit card customer service number and billing phone number below.

Meanwhile, before we run through details, we need to go through the features of this amazing credit card. We will kick start with the features of AT&T Universal Card.

Features of AT&T Universal Credit Card

These features make this credit card outshine other credit cards in the market. You will be rewarded through may action you take via AT&T credit card.

====> You will be able to redeem your points. That is a very great one about the credit card, once you accumulate 8000 points, you will be given $50 with a value of 0.8 cents per point. This is called Citi ThankYou points. You will be able to redeem points for merchandise, gift cards, and travel which return 0.8 to 1.0 cent in value per point.

====> Introductory financing on purchases, cardholders receive a 0% introductory financing offer on purchases for the first six months. This promotional rate does not apply to balance transfers, however.

====> As an AT&T credit cardholder, you earn 1point on every dollar you spent on the most purchase. You also earn 3 points per dollar charged at office supply stores, gas stations, and professional services.

Not only that, AT&T Universal credit card holder earn 5 points per dollar spent on qualifying purchases from AT&T. in a simple language, this is best translated to 1%, 3% and 5% returns respectively on purchase

====> This credit card will charge a 3% foreign transaction fee on all purchases processed outside of the United States. Hum, this could not be the best about the credit card, but you can still carry out a foreign transaction via the credit card.

====> In addition to the rewards program listed in the article, cardholders have access to numerous benefits which include quarterly and annual summaries of spending. This card also features travel and emergency assistance and travel accident insurance.

====> This card has no annual fee, this is another important feature of AT&T Universal credit card. You don’t need to worry about annual fee, it is zero annual fee credit card.

====> After the introductory period expires, charges incur interest at a variable rate of 14.24%. This is not too bad compared to other interest rates of other credit cards. This is simply called a standard interest rate.

Merits and Demerits of AT&T Universal Card

This part of the article will talk about the merits and demerits of this credit card. We are very sure, the merits will out power the demerits. You will only understand these by reading through this part of the article.

Merits of AT&T Universal Credit Card

Without wasting our time, we move straight to the points, that is, we list out the advantages of AT&T credit card.

====> With some redemption opportunities valued at one cent per point as stated above, businesses can earn the equivalent of a 5% return for AT&T purchases including telephone equipment and cell phone service. Cardholders can also earn 3% returns on purchases such as office supplies and gas

====> Businesses can use the quarterly and annual summaries to track expenses for tax purposes

====> This card comes with a range of complementary travel assistance features and insurance policies that benefit people who travel for business.

These services include medical and legal referrals, lost luggage assistance, and accident insurance for any injuries sustained on a scheduled plane, train, or bus service.

Companies that need short-term financing assistance benefit from the six-month 0% introductory rate on purchases. The standard interest rate is also competitive for a rewards card.

As mentioned above, unlike many rewards credit cards, the Citi AT&T Universal Business Rewards Card has no annual fee.

Demerits of AT&T Universal Card

We will not be justified without list out its negative aspect as well. This part of the article will quickly run through the cons of the credit card.

====> Many cards return the equivalent of 2% cash back, while most purchases made with this card only receive a 1% return.

====> This card has a high 3% foreign transaction fee. Many other banks have stopped charging customers foreign transaction fees altogether.

====> Cardholders might appreciate the five points returned per dollar spent on AT&T purchases, but other cards return 5% cash back for all wireless bills.

AT&T Universal Credit Card Login Process

You will have access to your account only when you log in to your account. To do this is very simple, you need to follow the steps in this article to access your online account

Step 1 ====> You need to visit the official login page or copy and paste

Step 2 ====> On this page, enter your login details (username and password) in the space provided

AT&T Universal Card

Step 3 ====> Finally on this part, locate and click on the sign on button

NOTE: If you are able to enter the correct login details, you will access your online account without any issue. If not, you will not be able to access your account online.

AT&T Universal Card Activate Process

You need to activate this credit card before you can make use of it. Without activation, AT&T Universal Credit Card remains useless in your wallet. On receipt of your credit card via the mail, the first thing to do before using it is to activate the card. This card can be activated through two different means, the online activation process and phone call activation process.

Online Activation Process

The online activation is most active means to activate your new credit card. The steps required are very simple and easy to go about. Here is what you need to do:

AT&T Credit Card

Step 1 ====> Visit the login page as explained above

Step 2 ====> On the page, locate and click on the Active New Card link

Step 3 ====> Follow the onscreen step to complete the activation through the online portal

Phone Call Activation Process

This part of the article will cover activation through a phone call. You need to put a call through the credit card provider’s helpline on 1 800 347 4934

Then, You will be asked to provide certain details on the credit card, once these details are correct, your card will be ready for use or may take few days to be completely good to go.

Reset Forgotten Login Details

It is common for you to forget your login details, this is your username or password which you need to access your online account. In case you don’t have access to your login details, this part of the article will cover that.

Step 1 ====> You need to visit the online login page of AT&T Universal Credit Card

Step 2 ====> On the page, locate and click on Look up User ID or Reset Password

Step 3 ====> After you have clicked on the reset password as directed above, a new page will open where you are to provide your Debit or ATM Card number

Step 4 ====> Follow the onscreen steps or instruction to complete the process

AT&T Universal Credit Card Payment Process

Now, we need to run through the payment process. You will be able to pay your bill via AT&T Universal Card in various ways. Each of these methods is active, it depends on you to choose the method that suits you the most.

Online Bill Payment Method

With the help of the online portal provided by the credit card company, customers can pay their credit card bills from the comfort of their homes, simply by following the few guidelines.

Step 1 ====> You need to login to your account as explained above in the article.

Step 2 ====> Now steps on how to pay your bills will be provided as soon as you are logged in.

Step 3 ====> You can also advise an auto-debit from your bank and your credit card company will be collecting the money straight from your bank, saving you the stress off you going to the bank yourself.

Mail Bill Payment Method

You may decide to pay your bills through the mail method. Please include your AT&T account number on your check. Your account number is located on your statement.

To ensure your AT&T payment is received on time it is recommended that you mail your payment at least 5 business days prior to the due date shown on your monthly billing statement.

This method is active and save, you only need to send your payment to the AT&T credit card payment mailing address as follow:

AT&T Universal Card

P.O. Box 183037

Columbus, OH 43218-3037

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Phone Bill Payment Method

The AT&T credit card payment phone number is 1 877 288 4577. Dial the phone number to pay your bills.

AT&T Credit Card Customer Service

The AT&T credit card customer service number is 1 877 288 4577.For technical assistance contact 1 866 422 3091.


This article has covered many things on AT&T Universal credit card. You have learned how you can log-in to your account, payment methods were discussed in the article. We also run through the password reset process among others.

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About the Author: Gadgetsright

Adeola (Jasper) is someone who loves everything about technology. He devoted to everything that is tech-related and tries his best to produce useful and quality articles about mobiles, computers and other related products.

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