In our prior post we spoke about the free cell phone insurance benefit available with the new AT&T Universal Savings & Reward Card. That feature applies regardless of carrier.

However, for AT&T and former Cingular customers, there is an even better benefit. The card will reimburse you up to 10% of the cost of AT&T products and services, including your wireless phone bill, for 12 months; 5% thereafter.

The AT&T Universal card has no annual fee and offers a 0% introductory APR on balance transfers for 12 months. To apply, click here.