AT&T Universal Savings Platinum Card

APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Ongoing APR: As low as Prime + 3.99% (Currently 8.99%)*
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Reward Program: Up to 10% Savings*
Credit Line: Minimum $500
Issuer: Citibank

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With the AT&T Universal Savings Platinum Card consumers can earn up to 10% savings for the first 12 months on AT&T purchases*, plus receive AT&T calling benefits*: up to 30 free phone minutes each month.

AT&T Calling Benefits*:

• Wireless phone loss & theft insurance
  
• 2 free directory assistance inquiries per month
  
• Up to 30 free phone minutes each month
  

*See Terms and Conditions.

Online Services

• Check your balance or available credit.
  
• Pay your credit card bill—faster.
  
• View unbilled activity and statements—even download for your records.
  
• Get statements online only with the All-Electronic Program.
  
• Transfer balances quickly and easily.
  

AT&T Universal Savings Card Program Information

• Your AT&T Universal Savings and Rewards Card account (Card Account) will receive a savings based upon eligible transactions appearing on your current month's billing statement. The savings will show on your Card Account as a statement credit as long as your Card Account is open and current. However, if your Card Account is no longer open or current, you will not be able to earn these savings
  
  
• The only eligible transactions for which you earn savings are AT&T consumer products and/or services and Cingular bill payments. AT&T consumer products and services must be purchased through 1-800-222-3111, 1-866-246-4852, www.att.com, www.telephones.att.com, www.cingular.com, Cingular Company owned stores or AT&T customer service centers. Purchases from independent Cingular dealers are not eligible, unless they are for payment of Cingular service. We do not determine whether AT&T consumer products and/or services are correctly identified and billed to us as qualifying transactions, but we do reserve the right to determine which purchases qualify for the savings. Returned purchases, disputed or unauthorized/fraudulent transactions, finance charges, and Card Account fees do not earn any savings unless otherwise specified.
  
  
• Unless you are participating in a limited-time promotional offer, you will earn 5% on each dollar you spend on eligible AT&T purchases that is matched by the amount you spend on other purchases. However, for the first 12 months of cardmembership, you will earn 10% on each dollar you spend on eligible AT&T purchases that is matched by the amount you spend on other purchases.
  
  
• You may save a maximum of $350 in any calendar year (eligible transactions appearing on your January-December billing statements).
  
  
• You have no property rights or other legal interest in the savings. Savings have no cash value until such time as they are posted to your account as a statement credit.
  
  
• We may revise any of these AT&T Universal Card Savings at any time with 30 days prior written notice. In addition, we may also terminate the AT&T Universal Card Savings Program with 30 days prior written notice.
  
  
• Citibank (South Dakota), N.A. is the issuer of the AT&T Universal Savings and Rewards Card and provides all savings associated with this program.
  

See web site for complete terms & conditions