|
AT&T Universal Savings and Rewards Card Issued by Citibank. CREDIT CARD REVIEW
 | This review was last updated on 1/11/2008 12:00:00 AM | Overall Rating: 4.0
Ratings are on a scale of 1 to 5 based on customers who successfully applied for this card. | | The AT&T Universal Savings and Rewards Card, issued by Citibank, is designed for those with good credit who desire a credit card with an excellent reward program. 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. Through the reward program, cardholders earn 1 point per dollar on AT&T purchases and one point per dollar on all other purchases. AT&T Spend and any other transactions do not qualify to earn ThankYou® Points. Cardholders will also receive up to 10% savings for the first 12 months on AT&T purchases. Points can be redeemed for various merchandise, travel, experiences, gift cards, and more. The maximum number of points that can be earned per year is 50,000, and points expire in five years. 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 and the reward program, 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 reward program, the introductory rate on balance transfers, and the additional platinum services will benefit most from what the AT&T Universal Savings and Rewards Card has to offer. | | |
REWARD PROGRAM INFORMATION
 | Type Of Rewards: Point | Reward Program Optional: No
Optional programs may have a fee. See Terms a for details. | | | | For Cards with Rebates Incentives | | Lowest Possible Rebate: n/app | | Highest Possible Rebate: n/app | | Additional Rebates: n/app | | Rebate Details: n/app | | | | For Cards with Points Incentives | | Points Per Dollar Spent: 1 Point | | Additional Points: Earn 1 point per dollar on all non-AT&T purchases. AT&T Spend and any other transactions do not qualify to earn ThankYou® Points. | | Point Details: Points are redeemable for various merchandise, travel, experiences, gift cards, and more. See www.thankyouredemptions.com for more information. | | | | For Cards with Miles Incentives | | Miles Per Dollar Spent: n/app | | Additional Miles: n/app | | Program Details: n/app | | | Rewards Expiration Period: 5 Years
This period applies to all rebate, point and reward programs. | | Annual Limit: 50,000 Points | | |
ADDITIONAL PERKS
 | $0 liability protection on unauthorized purchases. Instant online decision. 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. |
BASIC INFORMATION
 | Introductory Rate: 0% APR for 12 Months | | Rate Applied To: Balance Transfers | | Additional Details: The introductory rate is available on balance transfers submitted during the first twelve months. | | Regular APR: As low as 13.24% | Variable or Fixed: Variable
Variable APR's are based on the Prime Rate. | | 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: Point | | Be sure to read the card's Terms a for more details. |
Special Notations:
The APR for purchases and balance transfers varies according to the applicant's credit history and will be 5.99%, 8.99%, or 10.99% + Prime Rate. The minimum APR for cash advances is 19.99%. See website for complete terms and conditions of card usage and application disclosure.
Always read the credit card's Terms a before applying! |