AT&T Universal Savings Platinum Card

Issued by Citibank, the AT&T Universal Savings Platinum Card is designed for those with good credit who are looking for a credit card with platinum benefits and plan to take advantage of AT&T savings plan.

	Intro APR  APR Annual Fee  0%* as low as P + 3.99%* $0.00*
Basic Information
Issuer:	CitiBank
Card Network:	MasterCard®
Card Category:	Consumer (Premium)
Card Type:	- Co-Branded Card - Low Interest Credit Card
Credit Needed:	Good*
Top Card Review
Card rating:	(3.5 out of 5)
Most attractive features:	- High introductory savings rates - Long term 0% Intro APR rate on balance transfers - Reasonable low APR thereafter - No annual fee
Least attractive features:	- High rates for calling card usage - Minimum APR cap for cash advances
Top Rewards & Benefits
Rewards:	There is no reward program for this card* Visit Citi AT&T Universal Rewards Credit Card offer or reward credit cards page for card offers with reward programs.
Other Benefits:	- Card can be used as a calling card - 2 free directory assistance inquiries per month - Up to 30 free phone minutes per month - Wireless phone loss & theft insurance reimbursement for replacement coverage - Lost luggage assistance - Auto rental insurance - $1,000,000 travel accident insurance - Emergency card and cash replacement - Lost & stolen card reporting - Medical & Legal referral services - Travel & emergency assistance services - Identity theft solutions - Fraud & security protection services - No liability for unauthorized transactions - Automatic bill payment - Year-end financial statement See website for additional benefits**
Online Account Access:
Top Card Finance & Rates
Introductory APR (%):	0%*
Applied Towards:	Balance Transfer
Introductory Period:	Up to 12 months*
APR on Purchases (%):	as low as P + 3.99%*
APR Type:	variable
Annual Fee:	$0.00*
Grace Period:	20 days*
Minimum Finance Charge:	$0.50
Minimum Credit Line:	$500
Late Payment Fee:	$39.00*
Over Limit Fee:	$35.00
Top Balance Transfers
Balance Transfer:
Transfer Fee (%):	3.00%
Minimum Fee:	$5.00
Top Cash Advances
APR on Cash Advances (%):	19.99%
Cash Advance Fee (%):	3.00%
Minimum Fee:	$5.00
Top Other Fees
Additional Fees	3% of each purchase after it is converted into US dollars
Top Comments
To receive an AT&T Universal Savings Platinum Card, you must have an annual income of at least $12000 and you must meet our credit qualification criteria. Your credit line will be determined by your yearly income and a review of your credit report. You will be informed of the amount of your credit line when you receive your card. Some credit lines may be as low as $500. Please note that cash advances may be limited to a portion of your credit line. Your APRs may vary each billing period.
Top Action
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* The information provided for AT&T Universal Savings Platinum Card is believed to be accurate at the time of evaluation (Sep 28, 2008). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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