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AT&T Universal Savings & Rewards Card

Credit Card Rate Information:

Balance Transfer
Cash Advance

 10.74 - 20.74
 10.74 - 20.74
  13.99% - 23.99% Variable
 13.99% - 23.99% Variable
 25.24% Variable
APR Floor:
Intro Rate:
 0% Fixed
Intro Period:
 12 months

Finance Calculation Method:
 Daily Balance
Default/Penalty APR:
 Up to 29.99% Variable
Default/Penalty Margin:
 Up to 26.74
Default/Penalty APR Floor:
Maximum Default APR:
 29.99% Variable
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:
Foreign Transaction Fee:
Late Fee:
Over-the-limit Fee:
Balance Transfer Fee:
3% ($5 min. )  


Rebate Description:
 Earn 10,000 bonus ThankYou® Points after you make $500 in purchases within 3 months of account opening. Earn 1 ThankYou® Point for every $1 you spend on non-AT&T purchases, up to 50,000 points a year. Redeem your points for gift cards or music downloads, merchandise, electronics, travel and more. Save up to 10% on AT&T purchases and service for the first 12 months; thereafter 5% – up to $350 per calendar year.
Special Notes:
 This offer is only valid for new accounts. You must be at least 18 years of age. APR for Balance Transfers: 0% introductory APR for 12 months from date of first transfer when transfers are completed within 4 months from date of account opening. Grace Period: 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. Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater. Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee: 3% of each transaction in U.S. dollars. Penalty APR: Up to 29.99%, based on your creditworthiness. If your APRs are increased for the stated reasons, the Penalty APR may apply indefinitely.
Card Issued By:
General Correspondence Address:
 200 Brookstone Centre Ste 110, Columbus, GA, 31904
Card Type:
Card Class:
Card Category:
 Balance Transfer, Low Intro Rate, Reward
States Available In:
Minimum Credit Limit:
Maximum Credit Limit:
Credit Limit Notes:

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