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| Credit Card Review |
The AT&T Universal Savings Platinum Card, issued by Citibank, is designed for those with good credit who desire a credit card with platinum cardholder benefits.
This card acts both as a credit card and a calling card, but those who choose to use the card for calls may find the rates high compared to other calling card services. Get detailed information about the AT&T Universal Savings Platinum Card, issued by Citibank . However, the card does provide two free directory assistance inquiries per month, up to 30 free phone minutes per month, and wireless phone loss and theft insurance.
The card has no annual fee, and the APR for purchases and balance transfers is reasonable for those who plan to carry a revolving balance. Citibank offers some of the best credit card rewards and benefit programs. There is also a 0% introductory rate on balance transfers for up to twelve months. However, there is a minimum cap of 19.99% for cash advances, which means that no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap. Citibank credit cards are the most trusted credit cards that ever existed.
In addition to the calling card benefits, the card offers a variety of platinum cardholder services that include up to $1,000,000 in travel accident insurance, auto rental insurance, lost and stolen card reporting, and fraud protection services.
Therefore, those who plan to take advantage of the calling card feature, the introductory rate on balance transfers, and the additional platinum services will benefit most from what the AT&T Universal Savings Platinum Card has to offer.. . View the specifics of the AT&T Universal Savings Platinum Card, including intro APR, duration, regular APR, reward programs, etc
Most Attractive Feature: Long term 0% introductory rate on balance transfers; no annual fee.
Least Attractive Feature: High per minute rates for calling card usage; minimum APR cap for cash advances.
Apply Now For AT&T Universal Savings Platinum Card
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Note: The review
of this AT&T Universal Savings Platinum Card from Citibank was updated on June 26, 2008
*Terms and Conditions
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| Key Card Information |
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Introductory Rate: |
0% APR forup to 12 Months |
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Time Period: |
12 Months |
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Applied Towards: |
Balance Transfers |
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APR (Purchases): |
As low as 11.74% |
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APR (Cash Advances): |
22.74% |
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Finance Configuration: |
Average Daily Balance (including new purchases) |
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Annual Fee: |
$0 |
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Additional Cardholders: |
$0 |
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Grace Period: |
20 Days (Min.) |
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Minimum Credit Limit: |
$500 |
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Maximum Credit Limit: |
n/a |
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Late Payment Fee: |
$15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over |
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Over-The-Limit Fee: |
$39 |
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Cash Advance Fee: |
3%, $5 minimum |
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Balance Transfer Fee: |
A balance transfer fee applies with this offer* (see site for details). |
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Introductory Rate Details: |
The introductory rate is available on balance transfers for up to twelve months. |
| The Rewards Program
Highlights |
| Additional Highlights of Interest |
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Special Card Benefits and Features
$0 liability on unauthorized purchases.
Secure, free online account management.
Card can be used as a calling card.
Receive 2 free directory assistance inquiries per month.
Receive up to 30 free phone minutes per month.
Wireless phone loss and theft insurance reimbursement for replacement coverage.
Various Internet account related services.
Identity theft solutions.
Fraud and security protection services.
Year-end financial statement.
Up to $1,000,000 in travel accident insurance.
Lost luggage assistance.
Auto rental insurance.
Emergency card replacement.
Emergency cash replacement.
Lost and stolen card reporting.
Medical referral services.
Legal referral services.
Various travel and emergency assistance services.
Automatic bill payment.
Up to 10% Savings on AT&T Purchases.
See website for additional benefits.
Important Notes Regarding This
Offer
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Apply Now For AT&T Universal Savings Platinum Card
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