AT&T Universal credit card login and Pay Bill payment

AT&T is the largest telecommunication service provider and also the topmost mobile phone connection provider in the United States. Citi AT&T reward credit card is given out to customers and primarily serves as a reward credit card.

They offer two credit cards-

  • AT&T Universal Savings Platinum credit card and
  • Universal Savings and Rewards Card.

With this, you can enjoy 30 minutes of prepaid phone minutes along with free mobile insurance schemes. With it, you get two directory assistance calls per month free of cost. Call rates are low with a year of 0% APR for transferring a balance.

With this, you can get points even when you buy anything from non-AT&T sources. You can get a lot of gifts and rewards through this credit card and you can acquire 50,000 points every year. You also get a 12-month introductory promotional offer that can offer a 0% balance transfer APR.

AT&T Universal Savings Platinum credit cardUniversal Savings and Rewards Card
30 minutes of prepaid phone minutes30 minutes of prepaid phone minutes
mobile insurance for freeFree mobile insurance
Two directory assistance calls every monthTwo directory assistance calls every month
Call rates are lowAcquire 50,000 points every year
A year of 0% APR for transferring a balance12-month introductory promotional offer
 0% balance transfer APR annually
Essential FeaturesAT&T credit card
Annual Fee$0 for chartered members & $20 for those who use the credit card once a year
Late Payment Fee$35
Returned Payment FeeNo fee is mentioned
Interest13.99% and 23.99% (Variable)
Cardholder FeeNA
Cash Advance Fee5% or $10 whichever is greater

How to do AT&T universal card login?

The AT&T Universal credit card login process is being mentioned below.

Step 1: If you have a Universal credit card, you can visit their website i.e to start the login process.

Universal credit card

Step 2: Include your username and password in the given spaces and then press the Sign-on tab to get into your online account.

Step 3: If you do not have an account, you can create one by clicking on the Register for online access tab.

account information

Step 4: You will need to provide account information, and verification details, set up online access, and also go through the confirmation process.

AT&T credit card

Step 5: Add your account number, credit/debit card number, or the number of your paycheck protection program loan account to start the online registration process.

Universal credit card register

Include all relevant information to register an account by diligently following the prompts.

How to pay AT&T universal card bill Payment?

To pay the credit card bill, if you want to go online and pay it, you must do an AT&T Universal credit card login to your online account using the credentials that work for your credit card account.

Move through these tabs to pay your bill.

Payment>My Bills>Pay Bills.

  1. Add your billing amount and also your current account details.
  2. Include your payment details like your account and routing number.
  3. Add the bill amount and then go ahead and pay your bill.
  4. Allow some time for the bill to pass the payment gateway.
  5. You will receive an acknowledgment message in your account once your bill is paid.

Note: You could pay your bills using a credit card or debit card.

Payment Mailing Address & Phone Number

To pay your credit card payment via mail, you can use the address given here:  

AT&T Universal Card,
P.O. Box 183037,
OH 43218-3037.

Alternatively, you can query the call center if you can use P.O. BOX 9001037, Louisville, KY 40290-1037 as your payment address.

For making overnight or express payments, you must use the following address:

Citibank Express Payments,
6716 Grade Lane,
Building 9,
Suite 910,
City: Louisville,
KY 40213.

You could also set auto payments and also call them up for paying your bills.

The payment phone number for credit card contact and support is 800-423-4343. Keep your credit card close and also your payment account number.

Card Benefits

There are several benefits of having this credit card including;

  1. If you purchase products from AT&T you will get 2X points on them.
  2. With it, you also get access to a digital wallet where you can choose your dates for payments.
  3. You can ask for exclusive offers from Citi Entertainment.

Customer Service Number

The credit card customer service number is 1 877 288 4577 which you can call when you have doubts.

AT&T Universal Credit CardService Phone Numbers
Internet Security Contact detail1 888 285 9696
Business Cards1 866 422 3091 | 1 877 288 4577
Business Cards TTY1 800 325 2865
Customer Service Number1 800 423 4343
TTY/TDD1 800 367 8997
Technical Assistance1 866 422 3091
AT&T Access Card Live ChatChat here


If you are trying to take the AT&T Universal credit card, you must read all the information presented here. You will gain better from the credit card if you open an online account with them and know all the essential details about the credit card.


  • Raj Singh

    My name is Raj Singh. I am a Digital Marketer, Seo Consultant, and Entrepreneur. I have an experience of 7 years in the digital world and launched many digital products.

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