AT&T Universal Savings Platinum Card Issued by Citibank. This card received a rating of 3.50 out of 5.00

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Basic Credit Card Information

Introductory Rate:	0% APR for up to 12 Months
Time Period:	See Terms
Rate Applied To:	Balance Transfers
Additional Details:	The introductory rate is available on balance transfers for up to twelve months.
Regular APR:	As low as 8.99%
Variable or Fixed:	Variable
Annual Fee:	$0
Annual Fee Details:	None
Application Fee:	n/app
Participation Fee:	n/app
Reload Fee:	n/app
Inactive Fee:	n/app
Total First Year Fees:	n/app
Type Of Rewards:	n/app
Be sure to read the card's Terms and Conditions before applying!

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. 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 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.

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.

This review was updated 2008-08-20T00:00:00.0000000-07:00

Reward Program Information

Type Of Rewards:	n/app
Reward Program Optional:	n/app
	Optional programs may have a fee. See Terms and Conditions for details.

For Cards with Cash Back Incentives
Lowest Possible Rebate:	n/app
Highest Possible Rebate:	n/app
Additional Rebates:	n/app
Rebate Details:	n/app

For Cards with Point Incentives
Points Per Dollar Spent:	n/app
Additional Points:	n/app
Point Details:	n/app

For Cards with Airline Incentives
Miles Per Dollar Spent:	n/app
Additional Miles:	n/app
Program Details:	n/app

Rewards Expiration Period: n/app

Annual Limit: n/app

Additional Credit Card Perks

$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.

Special Notations about the 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 10.99% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.

Always read the credit card's Terms and Conditions before applying!