AT&T Universal Savings & Rewards Card  Apply Online Up to 10% savings for the first 12 months on AT&T purchases 1 ThankYou Point for every dollar you spend on non-AT&T purchases 0% APR* on Balance Transfers for up to 12 months No Annual Fee Plus AT&T calling benefits: Up to 30 free phone minutes each month; 2 free directory assistance inquiries per month and other wireless benefits Intro APR Intro Period Annual Fee Balance Transfer APR Credit Required 0% On Balance Transfers Up to 12 Months $0 Yes As low as 9.99% Good