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Credit Card Reviews » AT&T Universal Savings Platinum Card |
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In-Depth Credit Card Review: |
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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. 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. There is also a 0% introductory rate on balance transfers for 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.
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.
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| (Review Updated: May 05, 2008) |
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0% Intro APR on Balance Transfers for up to 12 months
as low as 8.99% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances |
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20 days Grace Period |
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| (* 0% APR on Balance Transfers for up to 12 months) |
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| Finance Configuration: Average daily balance. This includes new purchases. |
| Additional Cardholders: $0 |
| Late Payment Fee: $15 on balances up to $100, $29 on balances of $100 up to $250, $39 on balances of $250 and over |
| Over-The-Limit Fee: $39 |
| Cash Advance Fee: 3% of each cash advance; $5 minimum. |
| Balance Transfer Fee: 3% of each balance transfer; $5 minimum. |
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| Minimum Credit Limit: n/a |
| Maximum Credit Limit: n/a |
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| Type of Reward: None |
| Additional Nones: n/a |
| Bonus Nones First Purchase: n/a |
| Bonus Nones Other: n/a |
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| Additional Features for AT&T Universal Savings Platinum Card: |
$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. |
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| Important Notes for AT&T Universal Savings Platinum Card: |
The APR for purchases and balance transfers varies according to the applicant's credit history and will be 3.99%, 6.99% or 8.99% + Prime Rate.
See website for complete terms and conditions of card usage and application disclosure. |
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| Notes: The review on AT&T Universal Savings Platinum Card was updated on May 05, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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