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.

Automatic Travel Accident Insurance

Charge plane, train or bus tickets to your AT&T Universal Platinum or AT&T Universal Rewards Card and you are automatically covered for Common Carrier Travel Accident Insurance at no additional cost.2

Travel Assistance Services

Get help in replacing lost or stolen airline tickets and travel documents, as well as emergency cash.3 Medical and Legal referrals are available worldwide.4

Auto Rental Insurance

Pays for covered damages (physical damage and theft) to an eligible rental vehicle when your AT&T Universal Platinum or AT&T Universal Rewards Card is used to initiate and pay for the entire rental transaction and you decline the car rental company's collision, loss/damage waiver.

Retail Purchase Protection

Protects many items purchased against theft or accidental damage, up to $1,000 on AT&T Universal Platinum or AT&T Universal Rewards MasterCard cards and up to $500 on AT&T Universal Platinum or AT&T Universal Rewards Visa cards, for up to 90 days from date of purchase.6

Extended Warranty

Extends the manufacturer's original U.S. warranty (of one year or less) up to one additional year for most items purchased entirely with an AT&T Universal Savings MasterCard and up to one additional year on eligible warranties of 3 years or less for most items purchased entirely with your AT&T Universal Savings Visa Card. 7

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.8

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. 9

Billing dispute resolution

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


1 This feature can only be accessed by calling 1-800-308-6537. Minute value applies to state-to-state calls only. Rates may be higher for in-state calls and calls made to or from mobile phones. International rates are higher than state-to-state rates, differ according to destination called and can change. A surcharge not to exceed 7 minutes applies to U.S. pay phone calls. One minute billing increments. Partial minutes used are billed as full minutes. If calling from a wireless phone, airtime charges may apply. Visit www.universalcard.com or call Customer Care at 1-800-303-9189 for details.

2Automatic Travel Accident Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. Certain conditions, restrictions and exclusions apply. For complete program details, including coverage amounts, refer to your Summary of Additional Program Information.

3Subject to your available credit line.

4Provides assistance and referrals only. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided. Certain conditions and exclusions apply. For complete program details refer to your Summary of Additional Program Information.

5MasterRental® Insurance coverage (up to $50,000 per incident) is secondary coverage and is underwritten by Virginia Surety Company, Inc. Visa Auto Rental Collision Damage Waiver coverage is underwritten by Indemnity Insurance Company of North America. For both programs, certain conditions, restrictions and exclusions apply. You must decline the car rental company's collision loss/damage insurance (CDW). Not all vehicles and countries are covered. For complete program details refer to your Summary of Additional Program Information.

6Purchase Assurance® coverage on MasterCard accounts (Coverage is limited to $1,000 per incident and $25,000 per cardmember account per year) is secondary coverage and is underwritten by Virginia Surety Company, Inc. Buyer's Security coverage applicable on Visa accounts (Coverage is limited to $500 per incident and $25,000 per cardmember account per year) is excess coverage and is underwritten by Triton Insurance Company. For both programs, certain conditions, restrictions and exclusions apply. For complete program details refer to your Summary of Additional Program Information.

7Extended Warranty coverage on MasterCard accounts (Coverage is limited to repair or replacement of the lesser amount charged or $10,000) is underwritten by Virginia Surety Company, Inc. Extended Warranty coverage on Visa accounts (Coverage is limited to repair or replacement of the lesser amount charged or $10,000 and a maximum of $50,000 per cardmember) is underwritten by Indemnity Insurance Company of North America. For both coverages, certain conditions, restrictions and exclusions apply. For complete program details refer to your Summary of Additional Program Information.

8Please 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.

9To request an Annual Account Summary, contact Customer Service. There may be a fee associated with this service.

Have questions? Check out our FAQs.


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