AT&T Universal Savings Platinum Credit Card
- Minimum Credit Required:
Excellent, Good - Annual Fee:None
- Network: MasterCard
Cash Back
| Initial Bonus None |
Base Earn 0.5% |
Max Earn 1.5% |
Earn / Redeem Limit No |
- Earn up to 1.5% back on purchases, with no limit on the amount you can earn each year.
- Amount you save will be based on the amount of purchases you make each month:First $250 of spend will earn 0.5% back, Purchases above $250 will earn full 1% back, Purchases above $750 will earn a bonus savings - 1.5% back.
| Intro Rate Not Offered |
Intro Period N/A |
Regular Rate 12.99% |
| Intro Rate0% | Intro Period15 months | Regular Rate12.99% | Balance Transfer Fee 3% |
| Cash Advance Rate 25.24% |
Cash Advance Fee 5% (min $10) |
- 0% Intro APR on balance transfers for 15 months. After that, the variable APR will be 12.99%.
- No annual fee.
- Max Late Fee: $35
- Max Overlimit Fee: N/A
- Max Penalty APR: 29.99%
- Grace Period: 23 days
- Online Response: No
- Foreign Transaction Fee: 3%
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AT&T Universal Savings Platinum Credit Card is related to the following credit card categories:
- MasterCard Balance Transfer Credit Cards
- Credit Cards for Good Credit with No Annual Fee
- Excellent Credit Balance Transfer Credit Cards
- Citibank Balance Transfer Credit Cards
- Citibank Rewards
- Rewards Credit Cards for Excellent Credit
- Rewards Credit Cards with No Annual Fee
- MasterCard Rewards Credit Cards
- Cash Back
- Credit Cards for Good Credit
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The card information shown on this page was last updated: May 22nd, 2012 at 7:53 EDT
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The new iPhone is getting a lot of buzz these days, and since it is still pretty expensive, I thought I’d take a look at some credit cards to see if any were offering initial bonuses that could help consumers afford the phone. I started by looking at the card bearing the name of one of the main cell networks carrying the iPhone: the AT&T Universal Savings Platinum Credit Card. This AT&T credit card--which is issued by Citibank, offered on the MasterCard network, and requires good or excellent credit for approval—unfortunately does not offer an initial rewards bonus. What it does have is a rather interesting rewards structure. Instead of providing a set cash back rate across all purchases with potentially better rewards on certain spending categories, the AT&T Universal Savings Platinum Credit Card offers tiered rewards. Each month, you get 0.5% cash back for purchases up to $250 spent, 1% between $250 and $750, and 1.5% above $750. Considering that the Capital One Cash credit card offers 1.5% on all purchases, regardless of how much you spend, what the AT&T card has to offer in terms of rewards isn’t all that good. Neither card, by the way, has an annual fee. Interestingly, the AT&T Universal Savings Platinum Credit Card does have a pretty attractive balance transfer offer: 0% on transfers for 15 months with a 3% balance transfer fee. While there are at least nine other cards currently on the market offering 0% for at least that long (some as long as 21 months) at least the AT&T card is in the upper echelon. Still, I wouldn’t suggest going into debt to buy the iPhone and then transferring your balance to this card. The balance transfer fee makes this costly and not worth the risk, especially since you might not even get approved for a balance transfer.