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Our lowest intro APR for 15 months on balance transfers

0% Intro APR on balance transfers for 15 months. After that the variable APR will be 13.99% - 23.99%, based on your creditworthiness1

Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater1

Purchase APR: 13.99% - 23.99% variable APR based on your creditworthiness.1

No Annual Fee1

Up to 1.5% back on purchases, with no earning limits1

Savings credits posts automatically to your account each month

AT&T Universal Savings Platinum Card

Overview
Features

Earn automatic savings on every purchase, up to 1.5 % with no limit1

Statement Credits are posted to your account automatically each month – no paperwork, no minimum, no waiting1

Stay in control while on the go with free mobile account alerts and mobile banking tools

Amount you save will be based on the amount of purchases you make each month1

  • For the first $250.00 in purchases you make on your Card Account, you will earn 0.5% of that amount.
  • If you make purchases on your Card Account of between $250.01 and $750.00, you will earn 1% of that amount.
  • If you make purchases on your Card Account over $750.01, you will earn 1.5% of that amount.
Services

Manage Your Account Online and On The Go
Enjoy 24/7 access to your account online. Check your balance, view transactions, and even make a payment using free online and mobile banking tools. Get free accounts alerts delivered right on your mobile device.

$0 Liability on Unauthorized Charges
Shop anywhere and never lose a penny on unauthorized charges. With $0 Liability you won’t pay for any unauthorized charges made with your card.

Extended Warranty2
The terms of the original manufacturers’ U.S. warranties (one year or less) may be extended up to one additional year on most items purchased on your card.

Citi® Price Rewind2
Buy now. Save later. Register your covered purchases at citi.com/pricerewind. Citi Price Rewind will search hundreds of retailers’ sites for 30 calendar days from the date of purchase to help find a lower price. If one is found that’s lower by at least $25, you can get the price difference back.

Retail Purchase Protection2
Many items purchased with your Citi card are eligible for protection against theft, fire or accidental breakage of up to $1,000 for up to 90 days from the date of purchase.

Travel & Emergency Assistance2
You’re protected when you’re traveling in the U.S. and abroad. Travel & Emergency Assistance services include medical and legal referrals, lost luggage assistance, emergency transportation, translation services and more. Included in this service are MasterTrip® Travel Assistance, Travel Services Medical Assistance and MasterLegal® Referral Service.

Automatic Travel Accident Insurance2
Charge plane, train or bus tickets to your Citi card and you, your spouse and eligible dependent children are automatically covered for Common Carrier Travel Accident Insurance at no additional cost.

Virtual Account Numbers
Now, with Virtual Account Numbers you never have to give out your real credit card number online. With one click, you can generate a substitute credit card number and make it virtually impossible for anyone to steal your account number while shopping online.

Tap and Go with "PayPass"
Request an AT&T Universal credit card "PayPass" payment tag and you can tap and go wherever "PayPass" is accepted.

1Pricing & Information
Apply Now 1Pricing & Information 2Additional Information
2Additional Information

Additional Information - AT&T Universal Savings Platinum Card


Extended Warranty Coverage
Extended Warranty coverage (duplicates the manufacturer or store warranty up to a maximum of 12 months on most items you purchase and is limited to repair or replacement of the lesser of the amount charged to your card or $10,000) is underwritten by Virginia Surety Company, Inc.  Certain conditions, restrictions and exclusions apply.  Details of coverage will be provided upon cardmembership.


Retail Purchase Protection
Purchase Assurance® coverage (Coverage is limited to $1,000 per incident and $25,000 per cardmember account per year) is secondary coverage and is underwritten by Virginia Surety Company, Inc.  Certain conditions, restrictions and exclusions apply.  Details of coverage will be provided upon cardmembership.


Travel & Emergency Assistance  
Travel Assistance Services are provided at no charge; however, you may be responsible for associated costs. (For example, legal referrals are free, but the lawyer's fee is your responsibility.) Certain conditions, restrictions and exclusions apply. Program details will be provided upon cardmembership.


Automatic Travel Accident Insurance
Automatic Travel Accident Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, PA. Certain conditions, restrictions and exclusions apply. Complete program details, including coverage amounts, will be provided upon cardmembership.


Auto Rental Insurance
MasterRental® Insurance coverage (up to $50,000 per incident) is secondary coverage and is underwritten by Virginia Surety Company, Inc. Certain conditions, restrictions and exclusions apply. Not all vehicles and countries are covered. Details of coverage will be provided upon cardmembership.


Lost Luggage Coverage
Up to $3,000 in Common Carrier Lost Luggage Coverage is underwritten by Triton Insurance Company. (Coverage is limited to $2,000 to New York residents, coverage for all cardmembers is limited to $10,000 in the aggregate per trip.) Certain conditions, restrictions and exclusions apply. Details of coverage will be provided upon cardmembership.


Citi® Price Rewind
Prices are tracked for 30 days from the original purchase date. Citi® Price Rewind only tracks online prices. In order to be eligible for a refund, the price difference must be at least $25. Price Rewind refunds are limited to $250 per item and $1,000 per calendar year. Multiple purchases of the same item are limited to a $250 maximum claim payment per sales receipt. The entire purchase amount for the item must be made with your Citi card to be eligible for a refund. Items purchased with ThankYou® Points are not eligible for this program. For customers who qualify for benefits for the same transaction under Citi Price Rewind, Internet Price Protection and Price Protection coverages, or any combination of those coverages, the Company will only pay under the coverage providing the highest benefit and no benefits will be due under the other coverages. Additional limitations and exclusions apply. Not every product found on this site qualifies for coverage so please see the Description of Coverage for program details and to learn what items are covered.

Credit Cards / AT&T Universal Savings Platinum Card
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