AT&T Universal Business Rewards Card: FAQs

How can the AT&T Universal Business Rewards Card help me manage my business?

Are there any fees associated with the AT&T Universal Business Rewards Card?

What kind of reports will I receive with my AT&T Universal Business Rewards Card account?

What are the hours of operation for Customer Service?

Can I reach a small business Customer Service Representative immediately?

How many employee cards can I have on my AT&T Universal Business Rewards Card account?

How can a Personal Business Assistant help me?

How does the AT&T Universal Business Rewards Card help protect me from fraud?

How does the Identity Theft Solutions program for small businesses help me?

What kind of coverage do I receive under Auto Rental Insurance^*?

What is Travel Accident Insurance^*?

What purchases earn ThankYou points?

How many ThankYou points can I earn?

How do I earn ThankYou Points?

Do ThankYou Points expire?

Do I lose my ThankYou Points if I close my ThankYou Member account?

How long will it take for my ThankYou points to appear on my account and online?

How do I redeem my ThankYou Points?

Can I redeem my ThankYou Points for cash?

When can I start redeeming my ThankYou Points?

Am I still in ThankYou Network if I redeem all of my ThankYou Points?

Can I redeem my ThankYou Points for travel?

Can I transfer my ThankYou Points to someone else?

Can I redeem a portion of my ThankYou Points and keep adding to the remaining points?

Who can I call with questions about ThankYou Rewards?

We're available 24/7 to help you find what you are looking for.

For information on our AT&T Universal Savings Cards, visit the Personal Card FAQs page.

The card comes with a variety of useful benefits for small businesses, including:

•	Ability to track business expenses by spend categories and by employee
•	Annual and quarterly account summaries to help expedite your expense reporting at tax time
•	Online account management tools available 24/7
•	Ability to make secure payments online, view statements and track unbilled activity
•	Controls for employee spending
•	Personal Business Assistant service available 24/7 for help with dinner and travel reservations, referrals for marketing/administrative help and more

	Pays for physical damage and theft to most rental vehicles when your eligible AT&T Universal Business Rewards Visa card is used to initiate and pay for the entire rental transaction. To be eligible for coverage, you must decline the collision/damage waiver insurance offered by the car rental company.
	^*Visa Auto Rental Insurance coverage is underwritten by Indemnity Insurance Company of North America. Certain conditions, restrictions and exclusions apply. Not all vehicles and countries are covered. Details of coverage will be provided upon cardmembership.

	The online travel booking tool available at thankyou.com gives you flexibility when redeeming your points for travel. You can redeem for flights, hotels, cars, travel packages and activities. When it comes to air travel, the travel booking tool eliminates hassles like limited seat availability, limited airline choices and black-out dates. Travel services are provided by Connexions Loyalty Travel Solutions.