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AT&T Universal Platinum Card Review

att universal credit card

Summary - The ATT Universal Savings Platinum Card is a prepaid phone card and credit card combined into one. This card was designed for those who wants the convenience of using AT&Ts' prepaid phone card service with a credit card. We recommend the AT&T Universal Savings Platinum Card to an AT&T user, or those looking for either a low interest credit card because

AT&T Universal Savings Platinum Card
Minimum Income Required is $12,000
Other Benefits
Wireless phone theft and loss insurance
Free online account management
Zero liability on authorized purchases
24 hour customer service
Lost wallet service Free convenience checks
Free additional cards
Cost/Fees/Interest rates
Introductory rate 0% APR for FIRST balance transfer for 12 months
Annual Fee No annual fee
Purchase APR As low as Prime Rate Plus 3.99%
Balance Transfer APR As low as Prime Rate Plus 3.99%
Cash Advance APR Prime Rate plus 14.99%, min 19.99%
Penalty/Default Rate APR 28.99%
Min Finance Charge $0.50
Grace Period 20 days
Balance Calculation Method Average Daily Balance (including new purchases)
Balance Transfer Fee 3%, min $5.00
Cash Advance fee 3% min $5.00
Over-the-credit-limit fee $39.00
Late Payment fee $15.00 - up to $100
$29.00 - $100 up to $250
$39.00 - $250 and greater