The content is accurate at the time of publication and is subject to change.

This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the Citi.

Citi is a advertising partner.

If you are planning on taking this credit card just for the sake of paying AT&T bills, then it's virtually useless. The Citibank AT&T Universal Savings Platinum card offers 0.5% back on the first $250 in purchases you make; if you make purchases of between $250.01-$750, you earn 1% back on that amount and purchases over $750, you will earn 1.5% of that amount. That means that the maximum you can earn is 1.5%, this is pretty low for the rewards card. If you want rewards, better try general rewards credit cards.