Card Benefits

Calling & Phone

These calling benefits are available to you at no additional cost:

  • Receive 2 free directory assistance inquires per month.1
  • Get up to 30 free phone minutes each month good toward U.S. Domestic and International calls.

Terms & Conditions

AT&T Universal MasterCard® PayPassTM

Put it on your keychain so you can zip through checkout lines without having to reach for your credit card.

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Worldwide Acceptance

Use your AT&T Universal Card at millions of locations around the globe.

24-Hour Customer Service

Got questions? Call AT&T Universal Card Customer Service at 1-800-423-4343, anytime, 365 days a year.

Worldwide Travel Accident Insurance

Travel with more peace of mind when you pay for your trip with your Citi card. Worldwide Travel Accident Insurance is a type of coverage that you hope to never need, but it may offer some financial help to you or your loved ones if a tragic accident does occur, up to $250,000 in compensation.1

Travel & Emergency Assistance Services

If you need assistance before or during a trip, services are available 24/7 for emergency travel arrangements, travel issues, medical and legal referrals and much more. You won't have to scramble to find services close to your location or worry about asking for help when you don't speak the language.1

Worldwide Car Rental Insurance

You may be covered against theft or damage up to $50,000 for any rental car in any country when you pay with your Citi card and decline the rental company's collision loss/damage insurance.1

Damage & Theft Purchase Protection

You're covered up to $1,000 per item, up to $50,000 per year if purchases made with your Citi card are damaged or stolen within 120 days of purchase (90 days for New York residents).1

Extended Warranty

Adds up to a year on your warranty of five years or less so you can feel more confident when you make purchases with your Citi card. You're covered for up to $10,000 per year.1

Customize your card

Select your own PIN, payment method and statement date.

Convenience checks

Access the cash advance portion of your credit line when you prefer to pay by check.2

Additional Cards

Receive additional cards for family and household members at no extra cost.

Annual Account Summary Option

To help with your personal financial planning and record keeping, we'll provide you with an Annual Account Summary, which tracks your spending by month and category. 3

Billing dispute resolution

Encounter a billing issue with merchandise you charged? We'll work with you and the merchant to settle the dispute.

1 Please refer to your Guide to Protection Benefits to learn more. It includes important details you should be aware of, such as Who's Covered, What's Covered, What's Not Covered and coverage amounts or visit

2Please refer to your Card Agreement for specific interest charges associated with cash advances. Your AT&T Universal Card Convenience Checks cannot be used to make a payment on an AT&T Universal Card account.

3To request an Annual Account Summary, contact Customer Service. There may be a fee associated with this service.

Have questions? Check out our FAQs.