shade45 said:The AT&T Universal Cash Rewards Card does not have as many benefits as the AT&T Universal Cash Rewards Card." funny they sound like the exact same card?

didYOUsearch said:shade45 said:The AT&T Universal Cash Rewards Card does not have as many benefits as the AT&T Universal Cash Rewards Card." funny they sound like the exact same card?
When my wife got her old (non-5% card) card changed over to the 5% on everyday, the letter said "We have changed your AT&T Universal Cash Rewards Card to the AT&T Universal Cash Rewards Card".
-Mike

Thanks OP for posting this.

Applied online and like the vast majority I have to play the waiting game! Will update once I hear anything.

I believe you have to pay the transaction fee (3% or $75). In previous offers, no BT fee printed on the ad.
0% apr on BT until May 1, 2006.

storkbud said:I have a question: with the above referenced offer, is there a balance transfer fee (max $75) on the promotional 0% until 5/1/06 (for those that spoke to a CSR?), as it appears to me there is?

Because at www.universalcard.com, the terms and conditions for its offer (no 5% on everything, just 5% grocery, gas, supermarket, and 1% everything else) says: "Transaction fee for balance transfers: 3% of the amount of each balance transfer, $5 minimum, $75 maximum. However, there is no fee with the 0.00% APR balance transfer offer described above." In addition, you get 0% for 12 months, but the 12 months doesn't start until you initiate the BT (which can be anytime within the first 12 months the card is open).

I'm just trying to decide which route to go....and want to make sure I'm reading this all correctly --

shade45 said:"To receive a AT&T Universal Cash Rewards Card, you must have an annual income of at least $12000 and you must meet our credit qualification criteria for the AT&T Universal Cash Rewards Card. Otherwise, you may receive a AT&T Universal Cash Rewards Card, provided you meet our credit qualification criteria for the AT&T Universal Cash Rewards Card. The AT&T Universal Cash Rewards Card does not have as many benefits as the AT&T Universal Cash Rewards Card."

i don't make that much money a year (you must have an annual income of at least $12000) since i'm a student and i work part-time. If i apply for it i might not get those benefits?'

Thanks


can anyone answer my question?

apply for charity

come on ! unless u are a foreign student, I can understand that !

I noticed on the application webpage there is a "short cut" link for folks that are already an AT&T cardmember, which I read as they don't mind giving out more than one card per household as it were. Since I just maxed out mine for this year I was thinking of opening another and this moght be the opportunity. Does anyone else actually have more than one Universal card in their name? This seems really strange for the company to offer this. I could see if you and your spouse were separate primary card holders but two cards for the same primary card holder is hard to understand from their end.

I guess I will apply online and see what happens, but I just thought I could ask. This card is great for getting 5% off at WalMart and Sams club (as previously posted- buy WalMart/Sams giftcards at WalMart Supercenters since the transaction is treated as a grocery store purchase.) all year long.


Itsagame

itsagame said:Does anyone else actually have more than one Universal card in their name?
Does anyone else actually have more than two Universal cards? (Plus one more Citi)

I got this ad from my sunday paper also. I just applied online and got approved at once. This is my first AT&T card.

I still think there should be more validation on offer specifics.

I again maintain what I posted earlier that I was told (pretty definitively) that it's 5% on Grocery/Drug/Gas only, & only for 3 mos. A radical departure from prior deals if this is the case.

Validation for this offer comes in two forms:

First, the offer in the newspaper says 5% Cash Back on Purchases for 3 months, not eligible purchases.

Second, call the number 800-462-4031 and confirm the offer details. I was asked where I live and I said upstate NY and she said it is 5% on ALL purchases.

If it was any different I wouldn't have posted.