AT&T Universal Savings & Rewards Card

Credit Card Rate Information:

Purchase

Balance Transfer

Cash Advance

Index:

Prime

Margin:

9.74

9.74%

21.99%

APR:

12.99% Variable

25.24% Variable

APR Floor:

None

Intro Rate:

None

0.00%

N/A

Intro Period:

None

15 months

N/A

Finance Calculation Method:

Daily Balance

Purchase Grace Period:

23 days

Default/Penalty APR:

Up to 29.99% Variable

Default/Penalty Margin:

26.74

Default/Penalty APR Floor:

None

Maximum Default APR:

29.99%

Penalty/Default Trigger:

Penalty APR may be applied to your account if you make a late payment or make a payment that is returned.

Credit Card Fee Information:

Annual Fee:

$0

Foreign Transaction Fee:

3%

Late Fee:

Over-the-limit Fee:

N/A

Balance Transfer Fee:

Cash Advance Fee:

Notes:

Rebate Description:

Save up to 10% on eligible AT&T products and services for the first 12 months; 5% thereafter up to $350 a year. Earn 1 ThankYou Point for every $1 spent on non-AT&T products and services. ThankYou Points can be redeemed for gift cards, travel, electronics and more.

Special Notes:

Your due date is at least 23 days after the close of each billing cycle. Citibank will not charge you any interest on purchases if you pay your entire balance by the due date each month. Citibank will begin charging interest on cash advances and balance transfers on the transaction date. This offer is only valid for new accounts. You must be at least 18 years of age. Cash advances may be limited to a portion of your credit limit. The default APR is up to 29.99%, based on your creditworthiness, and will vary based on the Prime Rate.

Card Issued By:

Citibank

General Correspondence Address:

200 Brookstone Centre Ste 110, Columbus, GA, 31904

Card Type:

MasterCard

Card Class:

Classic/Standard

Card Category:

Balance Transfer, Low Intro Rate, Reward

States Available In:

ALL