The AT&T Universal Platinum Card, issued by Citibank, is designed for those with very good credit who desire a credit card with platinum cardholder benefits.
This card acts both as a credit card and a calling card, but those who choose to use the card for calls may find the rates high compared to other calling card services. However, the card does provide two free directory assistance inquiries per month, up to 30 free phone minutes per month, and wireless phone loss and theft insurance.
The card has no annual fee, and the APR for purchases and balance transfers is reasonable for those who plan to carry a revolving balance. There is also a 0% introductory rate on balance transfers for twelve months. However, there is a minimum cap of 19.99% for cash advances, which means that no matter how low the LIBOR Rate falls (the APR is tied to the LIBOR Rate), the interest rate will not go below the minimum cap.
In addition to the calling card benefits, the card offers a variety of platinum cardholder services that include up to $1,000,000 in travel accident insurance, auto rental insurance, lost and stolen card reporting, and fraud protection services.
Therefore, those who plan to take advantage of the calling card feature, the introductory rate on balance transfers, and the additional platinum services will benefit most from what the AT&T Universal Platinum Card has to offer.
Updated: June 21, 2006
Most Attractive Feature(s) : Long term 0% introductory rate on balance transfers; no annual fee.
Least Attractive Feature(s) : High per minute rates for calling card usage; minimum APR cap for cash advances.
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