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AT&T Universal Savings&Rewards Card
and
Citi CashReturns(SM) Card
Side-by-Side Comparison

Here is the detailed comparison.
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AT&T Universal Savings&Rewards Card and Citi CashReturns(SM) Card

AT&T Universal Savings&Rewards Card Offer AT&T Universal Savings&Rewards Card  Official
Card
Name
Citi CashReturns(SM) Card  Citi CashReturns(SM) Card Offer
CitiBank Logo CitiBank 
 
Issuer
CitiBank  CitiBank Logo
 
MasterCard  Brand MasterCard 
$0  Annual Fee $0 
0*  Introductory
Rate
Up to 12 Mo.  Length of
Intro Period
Up to 12 Mo. 
As low as
9.99 
Go To Rate
(After Intro)
As low as
9.99 
Yes  Balance Transfer
Available
Yes 
Good  Credit Level
Required
Very Good 
1 ThankYou Point for every dollar you spend on non-AT&T purchases  Bullet Points:
1
Earn up to 6% Cash Back on purchases; a full 1% cash back on every purchase PLUS an average 5% additional cash back at 400 leading retailers within the Citi Bonus Cash Center. 
Up to 10% savings for the first 12 months on AT&T purchases  2 Earn a 20% bonus on the cash back earned on all purchases for the first 12 months 
Plus AT&T calling benefits: Up to 30 free phone minutes each month; 2 free directory assistance inquiries per month and other wireless benefits  3 Checks will be sent automatically every time you earn $50 - no calling necessary 
0% APR* on Balance Transfers for up to 12 months  4 0% APR* on balance transfers for up to 12 months 
No annual fee  5 No Annual Fee 
     



 


     


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