Card Features:  

The AT&T Universal Business Rewards Card has an abundance of card features, but, perhaps its most attractive remains its generous rewards programs offerings. With 5:1 rewards points to dollars available for eligible AT&T purchases and 3:1 available for purchases on select office supply, gas stations and other professional services, points accrual takes place at an accelerated pace, with points also being accrued through employee spending.

Business Features:  

The AT&T Universal Business Rewards Card's Personal Business Assistant remains one of the most adept and useful business-related feature offered in the industry, enabling cardholders a one-stop destination to business-related functions like marketing and administrative referrals, office management needs, travel arrangements, hotel reservations, as well as a variety of dining, entertaining and shopping services. Couple these features with impressive management and reporting tools, such as full online account management functionality and quarterly summaries, and you have business credit card that never neglects to care of its business.

The AT&T Universal Business Rewards Card also offers optional Smith Barney Business Financial Management Accounts, allowing business owners additional aid in managing immediate finances and short and long-term investments.

Membership Features:  

As an AT&T Universal Business Rewards cardholder, members enjoy not only access to a variety of rewards programs that span the entire spectrum from business to pleasure and back again, they also enjoy some impressive everyday benefits like discount prescriptions and dental and health benefits, making it even more versatile.

In addition to prescription discounts, cardholders also enjoy automatic travel accident insurance for all plane, train and bus tickets purchased on the account, as well as automatic car rental insurance and travel and emergency assistance for medical, legal, emergency transportation, lost luggage and even translation services when traveling abroad or at home.

Security Features:  

Citigroup offers a wide breadth of identity theft prevention materials for users in addition to built-in security features designed to protect against unauthorized account use, both from employees and outsiders, and other services designed to protect purchases, extend warranties on select products and lend cardholders additional tools for safe and secure use and satisfactory purchase experience.

Account Access/Customer Service:  

AT&T Universal Business Rewards Card are given complete access and management online, letting business owners view and manage expenses, monitor employee spending and set limits, add cardholders, make payments and receive notifications. And unlike many credit card issuers, AT&T Universal Business Rewards cardholders can bypass the "phone trees" and speak directly to a customer service representative by simply pressing "2." Too few credit card companies offer such ease-of-access to human representatives.

The AT&T Universal Business Rewards Card is the ideal option for small and medium-sized businesses, established or otherwise. While its business features might not benefit smaller operations with only a handful of employees, its account management, expense monitoring and employee-related tools and features make it ideal for businesses with successful and fiscally responsible strategies that want a card that will allow them to remain flexible for everyday expenses, both planned and unplanned, whether they are for business travel, client entertainment, office supplies or other incidental expenses. Also, with a rewards accrual system that heavily favors all cardholders, both primary and secondary, members can quickly make accumulate and make use of rewards for office supplies, travel, hotel reservations, entertainment and other outlets. It is for these reasons and many more that AT&T Universal Business Rewards Card stands atop the business credit card pile.