The recently upgraded AT&T Universal Savings & Reward Card offers up to $100 reimbursement (after a $50 deductible) if your cell phone (any carrier) is lost or stolen. This won’t fully cover you if you have an expensive phone, but it could be useful for many of us. This benefit comes at no cost when you get the Card. Some restrictions apply; see the offer for full details.

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.