AT&T Universal Savings Platinum Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The AT&T Universal Savings Platinum Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHub
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
We're sorry, but the AT&T Universal Savings Platinum Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-423-4343
AT&T Universal Savings Platinum Credit Card has a rating of 3.5/5 according to our proprietary credit card rating system. This rating reflects how appealing AT&T Universal Savings Platinum Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Lower Cost of Existing Debt'. To break it down further, AT&T Universal Savings Platinum Credit Card earned a score of 5.0/5 for Fees, 3.2/5 for Cost, 3.8/5 for APR, and 3.0/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
3.0/5
375 reviewsRead and write reviews
Market Comparison
Market Comparison
3.6
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Lower Cost of Existing Debt” for this card.
Fees
5.0
Cost
3.2
APR
3.8
3.6/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
13.99% - 23.99% (V)
Balance Transfer
0% intro APR for 15 months, 13.99% - 23.99% (V) APR after that
Balance Transfer Fee:3%
Rewards
Earn up to 1.5% back on purchases, with no limit on the amount you can earn each year.
For the first $250.00 in purchases you make on your Card Account, you will earn 0.5% of that amount, between $250.01 and $750.00, you will earn 1% of that amount and over $750.01, you will earn 1.5% of that amount.
Statement Credits are posted to your account automatically each month – no paperwork, no minimum, no waiting.
AT&T Universal Savings Platinum Credit Card's Additional Info
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.0
Market Comparison
3.6
fees: 5.0
cost: 3.2
APR: 3.8
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.6
Market Comparison
4.3
fees: 5.0
rewards: 5.0
cost: 4.3
APR: 3.8
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.8
User Reviews
3.6
Market Comparison
4.2
fees: 5.0
rewards: 3.9
cost: 4.5
Other Features: 0.0
(375)
(5,039)
(321)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
Purchase Intro APR0% for 15 months
transfer intro apr0% for 15 months|Transfer Fee:3%
transfer intro apr0% for 15 months|Transfer Fee:3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
transfer intro apr0% for 15 months|Transfer Fee:3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
Can't find what you are looking for? Submit your question about AT&T Universal Savings Platinum Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
You can report a lost AT&T Universal Savings Platinum card by calling customer service toll-free at 800-950-5114.
You should also check the recent transactions that have posted to your account, so you can make sure no one else used the card before you reported it missing.
You can view your AT&T Universal Savings Platinum activity from your account here.An alternative would be to download the Citi app to your smartphone and log in to your account from there.
Share your insights and review for the AT&T Universal Savings Platinum Credit Card
5
7%
4
11%
3
68%
2
10%
1
4%
3.0
375 reviews
375 reviews
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Phillip @pjnewman09
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5 Star Rating
Verified Customer
Always trying to upsell me through mailings and emails. Other than that, it's fine. I use it then pay it off - it serves it's purpose.
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0
0
John @johnh_741
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5 Star Rating
Verified Customer
Lost a card & they were professional, and helped me make a payment & replace the card . I have had this card for years & it has worked well for me
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0
1
Aubrey S @aubreysullivan549
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5 Star Rating
Verified Customer
Great card I love this card. Customer service was awesome and they were always ready to help. Plus my credit score went up by 13 points just by this 1 catd
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0
0
Kevin @kevinstrexler
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3 Star Rating
Verified Customer
As soon as covid hit my card of 18 years changed all policies and quit giving me help even though I've always paid in full or on time, never missed.
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Comment
0
0
Edra L Bullock Case @edrab
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1 Star Rating
Verified Customer
At a time when interest rates are low, this card carries a hefty interest rate by the end of all the promotions from opening it. Not good. I keep this one paid off all the time.
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0
0
Ramon Morales @ramon.morales.9022
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4 Star Rating
The At&T Universal Savings Credit Card has a top notch points system. The points system seems to be better than any other card on the market, despite what other posters are saying. 10,000 for spending $500 in three months makes it a top notch incentive program. 1 point for every dollar spent is also quite amazing, and it is usable on pretty much anything, as they state, from electronics, to music, to travel. There's also no annual fee, and the rates, while high, are nothing higher than the norm.
The only thing I would really change about the card and its terms is give it a lower interest rate, but, all in all, it is a great card with really favorable terms.
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0
0
Liz Morgan @liz15
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5 Star Rating
The AT&T Universal Savings Credit Card is a points based rewards system, as opposed to cash back or airline miles. It is an excellent card for saving 5-10% on AT&T products and services. I use it to pay my cell phone bill, and my internet bill. This beats my normal credit card, AMEX Blue, of 1% cash back for the same purchase. On top of that, you also earn points towards rewards that can be redeemed at their store. For a bill, or service that I'd normally receive zero rewards for this card can't be beat!
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0
0
Jaron Castilleja @jcastilleja
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3 Star Rating
This card (AT&T Credit Card) has a rather large difference in rates, from 13.99 to 23.99 percent, and it makes me wonder if the rate itself fluctuates more according to the wishes of the credit card company than what I actually do with the card. The points system is a joke; spend $50,000 and get a $500 gift card for music and games? That seems outrageous, and I'd personally rather stick with a card that allows a person to get points toward travel, like the JetBlue card. All in all this seems like a decent card if you're a heavy AT&T user, but there doesn't seem to be much else going on here in the way of rewards.
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0
0
Sarah Bolton @sarah_bolton_5201
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5 Star Rating
I think this card has pretty great terms. The first thing that I like is no annual fee. I don't like feeling like even if I don't use my card, I still have to pay a fee to use it. This card has great rewards like 1 point for every dollar spent, and if you're already an AT&T customer, this money would probably already be spent, so why not earn points for it! I love that you get discounts on phones and AT&T services, I have not seen another card that offers that. The 0% introductory interest rate is awesome, and even after that, the rates are very reasonable.
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0
0
Robin Shearer @doragdiva67
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4 Star Rating
The AT&T Credit card offers some decent rewards! You can get 10,000 reward points just for spending $500 in the first 3 months! You also get one reward point for every dollar spent. You can cash your points in for great rewards including $100 in gift cards! Who doesn't like a free gift card!? The card also offers 10% off a lot of AT&T products for the first 12 months! All in all, this isn't a super fantastic rewards program, but is pretty decent!
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