AT&T Universal Rewards World Mastercard®
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How we calculate effective rate →
The AT&T Universal Rewards World Mastercard® from Citi earns up to 2.4% effective value on gas in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Gas
- Effective value
- 2.4%
- Annual fee
- $0
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in gas and can earn 3% back.
What does the AT&T Universal Rewards World Mastercard earn in each category?
Gas is the strongest category at 2.4% effective value (3% back). That gas rate ranks higher than about 81% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how AT&T Universal Rewards World Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight office supplies at 3x among.
Gas is the strongest category at 2.4% effective value (3% back). That gas rate ranks higher than about 81% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how AT&T Universal Rewards World Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 0.8% |
| Grocery Supermarkets and grocery stores | 1% back | 0.8% |
| Gas Gas stations and fuel | 3% back | 2.4% Top category |
| Travel Flights, hotels, transit | 1% back | 0.8% |
| Other General everyday spend | 1% back | 0.8% |
Madeen values cash back at about 0.8 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the AT&T Universal Rewards World Mastercard?
The AT&T Universal Rewards World Mastercard fits spenders who put meaningful volume in gas and can earn 3% back. Best for spenders who put meaningful volume in gas and can earn 3% back.
AT&T Universal Rewards World Mastercard fits spenders who put meaningful volume in gas and can earn 3% back. Madeen ranks its gas effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 3% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is gas at about 2.4% effective (3% back).
- That gas rate ranks higher than about 81% of cards we track in the category.
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the AT&T Universal Rewards World Mastercard have an annual fee?
The AT&T Universal Rewards World Mastercard has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
Related encyclopedia topics
Common questions about the AT&T Universal Rewards World Mastercard
Where do cardholders spend most with the AT&T Universal Rewards World Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on office supplies (3x), gas (3x) for the AT&T Universal Rewards World Mastercard. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is a universal rewards credit card worth it?
The AT&T Universal Rewards World Mastercard® from Citi earns up to 2.4% effective value on gas in Madeen's catalog snapshot. It has no annual fee.
Does the AT&T Universal Rewards World Mastercard have an annual fee?
The AT&T Universal Rewards World Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the AT&T Universal Rewards World Mastercard?
Gas is the strongest Madeen category for the AT&T Universal Rewards World Mastercard at about 2.4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the AT&T Universal Rewards World Mastercard charge foreign transaction fees?
The AT&T Universal Rewards World Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the AT&T Universal Rewards World Mastercard?
Madeen's catalog lists a typical credit range of Excellent for the AT&T Universal Rewards World Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the AT&T Universal Rewards World Mastercard compare to similar cards?
Compare the AT&T Universal Rewards World Mastercard against Citi Simplicity Cash (5% on Gas, $0 fee); Shop Your Way Mastercard (5% on Gas, $0 fee); Costco Anywhere Visa (4% on Gas, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
AT&T Universal Rewards World Mastercard This card | Gas | 2.4% | $0 |
| Gas | 5% | $0 | |
| Gas | 5% | $0 | |
| Gas | 4% | $0 | |
| Gas | 4% | $0 |
Side-by-side comparisons
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Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for gas spend to see which cards win at checkout.
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Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure