For people with small or medium-sized businesses and wanting a credit card that rewards spending, the AT&T Universal Business Rewards Card from Citi advertises no annual fee, 0% introductory APR for the first 6 months, and a generous rewards program that gives bonus ThankYou points on business-related purchases. Enabling you to earn up to 5X ThankYou points for each $1 spent on AT&T goods and service expenses and 3x and 1x ThankYou points elsewhere, these points are redeemable for cash, merchandise and gift cards, and travel benefits with the their ThankYou Rewards network.

Key Features:

• Designed for businesses with an established credit history
• 5 ThankYou Points for every $1 spent on eligible AT&T products and services purchased directly from AT&T
• 3 ThankYou Points for every $1 spent on purchases at certain office supply merchants, gas stations, and on professional services
• 1 ThankYou Point for every $1 spent on other purchases
• Earn up to 100,000 points in a calendar year
• Redeem your points for: air travel, statement credit, gift cards, merchandise and more
• 0% APR on purchases for the first 6 months. After, 14.24%. APR will vary with the market rate based on the Prime Rate.
• No annual fee
• Additional cards for employees with credit limits you set

Other benefits received using this card include prescription drug discounts (also available for employees for $10/mos.), optional vision and dental discounts for $8.95/mos, travel and emergency assistance, automatic travel accident insurance along with rental car insurance. Moreover, receive additional employee cards at no cost, get quarterly and annual spending statements, and free personal business assistance to help you make travel arrangements, gather business information and offer referrals for office and administrative needs. This card definitely appears to have the many perks and services essental to a small business wanting to improve the way it functions. Citi boasts that the AT&T Universal Business Rewards card was created to assist drive your business to work more proficiently, saving time and money, all the while rewarding you for it. Apply today and discover what it can do for your business.

Do you have a Citi Card? Then you must be familiar with using it rewards system whereas you earn thank you points through purchases. You then use your thank you points to get gift cards, gas card, or airline tickets.

Question is, what is the best way to use your thank you points?

Personally, with my student’s loan debt, all my points are going toward redeeming for student loan rebate. For every 2500 points, you get $25 toward your student loan. Also, I’m thinking of building up my points to get a free airline ticket in the Continental US for 25K points. Everybody situation is different, so use it to your advantage.

Check out their Thank You Network for more info.

Here are some ways to maximize your points:

• Use a multiple of Citi Cards to get the max points return.
• Go through their Thank You network when shopping online.
• Get more points from their banking products.