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If you really are a fan of everything AT& T then you'll love the number of credit cards they need to offer. Even if you do not use AT& Capital t, after I show you the advantages of the ATT charge cards, you just may want to switch. There are 2 main options to select from if you are buying ATT credit credit cards, the first may be the AT& T Universal Platinum eagle Card and the second reason is the AT& Capital t Universal rewards greeting card. The good thing is that every card has students option, with rates and benefits which are more suited towards the student life. For ease of reading all the details is listed below to help you compare the benefits instantly. General OptionsAT& Capital t Universal PlatinumAnnual Feeo NoneAPRo 0% with regard to 12 Months after that 11. 33%Balance Transfero 0% with regard to 12 MonthsBenefitso two free directory help inquiries per montho As much as 30 free telephone minutes monthlyo Reduction and theft insurance for the w ireless phoneo $0 legal responsibility on unauthorized purchaseso Free of charge Online servicesAT& Capital t Universal RewardsAnnual Feeo NoneAPRo 11. 57%Balance Transfero 0% with regard to 12 MonthsBenefitso 6000 free of charge first purchase reward pointso 5 points for each $1 spent upon AT& T serviceso 1 point for each $1 on additional purchaseso Plus all the advantages of the Universal PlatinumStudent OptionsAT& T Universal PlatinumAnnual Feeo NoneAPRo 0% for six months then 17. 81%Balance Transfero 0% with regard to 6 MonthsBenefitso two free directory help inquiries per montho As much as 30 free telephone minutes monthlyo Reduction and theft insurance for the wireless phoneo $0 legal responsibility on unauthorized purchaseso Free of charge Online servicesAT& T Universal RewardsAnnual Feeo NoneAPRo 0% for six months then 17. 81%Balance Transfero 0% with regard to 6 MonthsBenefitso Unique student discountso 5 points for each $1 spent upon AT& T servi ceso 1 point for each $1 on additional purchaseso Plus all the advantages of the Universal PlatinumThere tend to be maximum limits on the quantity of points you can earn every year which is seventy five, 000. This may be the major downfall of the card. With a lot of other reward charge cards offering unlimited generating potential, the ATT charge card would have been much more competitive if these people offered this feature too. Saying that, the rates about the general cards are very good, and since the card supports something that you make use of everyday, it should not really take long that you should build up individuals points. Like other rewards credit cards you are able to redeem points with regard to: o Travelo Present certificateso Rebateso ProductsThe Common Rewards card has the better benefits in both student and common categories so you might like to consider this 1 first. I think ATT delivers with this particular card, it is among the best rates and listing of b enefits I have experienced combined, but don't consider my word for this, compare other reward charge cards and general charge cards for yourself prior to making your ultimate decision. This article was delivered courtesy of Anthony Samuel, the actual webmaster of http: //www. apply-for-a-credit-card-now. com. Credit cards directory where searching, compare and make an application for credit card offers from leading credit card issuers as well because find tools and charge card articles [http://www.apply-for-a-credit-card-now.com/articles.php] that will help you choose the right charge card. View this post on my blog: http://cardcompare.valuegov.com/att-universal-credit-card-review/