| ATT Universal Savings and Rewards Card |
| Rewards |
| Reward Formula |
Earn 10% Savings for every dollar spent on ATT purchases (directly from AT&T stores or att.com)
Earn 1 points for every dollar spent non at&t purchases |
| Caps on Points |
Earn unlimited points |
| Points Expiry |
Points are valid for 5 years |
| Minimum Income Required is $12,000 |
| Other Benefits |
Wireless phone theft and loss insurance
Free online account management
Zero liability on authorized purchases
24 hour customer service
Lost wallet service Free convenience checks
Free additional cards |
| Cost/Fees/Interest rates |
| Introductory rate |
0% APR for FIRST balance transfer for 12 months if transferred within 12 months on account opening |
| Annual Fee |
No annual fee |
| Purchase APR |
As low as prime rate plus 4.99% |
| Balance Transfer APR |
As low as prime rate plus 4.99% |
| Cash Advance APR |
Prime Rate plus 14.99%, min 19.99% |
| Penalty/Default Rate APR |
28.99% |
| 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 |
| Cash Advance fee |
3% min $5.00 |
| Over-the-credit-limit fee |
$35.00 |
| Late Payment fee |
$15.00 - up to $100
$29.00 - $100 up to $1000
$39.00 - $1000 and greater |
