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 2008-05-14T00:00:00.0000000-07:00
| Type Of Rewards: |
n/app |
| Reward Program Optional: |
n/app |
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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!
