| AT&T Universal Cash Rewards Card |
| Reward Benefits |
| Rebate Percentages |
Earn 5% rebate for eligible purchases of AT&T consumer products or services through customer service center or att.com
Earn 5% rebate for purchases in standalone supermarkets, drugstores and gasoline stations
Earn 1% rebate on other purchases
Earn 1% rebate on cash advances and convenience checks amount billed at standard cash advance rate
Earn 5 reward dollars for each balance transfer of $1500 and above. |
| Caps on Rewards |
$300 a year in cash rebate
|
| Cash Rebate Expiration |
no expiration |
| Method of Cash Rebate |
checks issued in increments of $50 when requested |
| Minimum Income Required is $12,000 |
| Travel and Insurance Benefits |
| Automatic Travel Accident Insurance of up to $1,000,000 |
| Other Benefits |
Wirelss phone theft and loss insurance
Free online account management
Zero liability on authorized purchases
24 hour customer service
Lost wallet serviceFree convenience checks
Free additional cards |
| Cost/Fees/Interest rates |
| Introductory rate |
0% APR for FIRST balance transfer for 12 months if transfered within 12 months on account opening |
| Annual Fees |
none |
| Purchase APR |
Prime Rate plus 4.74% |
| Balance Transfer APR |
Prime Rate plus 4.74% |
| Cash Advance APR |
Prime Rate plus 14.99%, min 19.99% |
| Penalty/Default Rate APR |
Prime Rate plus 23.99% |
| 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, max $50.00, $0 for first balance transfer |
| Cash Advance fee |
3% min $5.00 |
| Over-the-credit-limit fee |
$35.00 |
| Late Payment fee |
$15.00 - up to $100
$29 - $100 up to $1000
$39.00 - $1000 and greater |
