Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

AT&T Universal Savings Platinum

Last updated:  

Discontinued product

This card has been discontinued, and it is not available on our site. Compare other credit cards or take Finder's credit card quiz to find one that fits your needs.

$0

Annual fee

13.99% to 23.99%

Purchase APR (variable)

0%

Intro balance transfer

for the first 15 months (then 13.99% to 23.99% variable)

13.99% to 23.99%

Balance transfer APR (variable)

Details

Product NameAT&T Universal Savings Platinum
Card typeVisa
Annual fee$0
Purchase APR13.99% to 23.99% variable
Balance transfer APR0% intro for the first 15 months (then 13.99% to 23.99% variable)
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Late payment fee$35
Additional cardholder fee$0
Compare similar credit cards and find the best option for you.

Compare other 0% APR credit cards

Name Product Purchase APR Balance transfer APR Annual fee Filter values
Blue Cash Everyday® Card from American Express
0% intro for the first 15 months (then 13.99% to 23.99% variable)
N/A
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Chase Freedom Flex℠
0% intro for the first 15 months (then 14.99% to 23.74% variable)
14.99% to 23.74% variable
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Citi® Diamond Preferred® Card
0% intro for the first 18 months (then 14.74% to 24.74% variable)
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$0
An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
Chase Freedom Unlimited®
0% intro for the first 15 months (then 14.99% to 23.74% variable)
14.99% to 23.74% variable
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Citi® Double Cash Card
13.99% to 23.99% variable
0% intro for the first 18 months (then 13.99% to 23.99% variable)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
American Express Cash Magnet® Card
0% intro for the first 15 months (then 13.99% to 23.99% variable)
N/A
$0
With 1.5% back on everything and a 15 months intro APR on purchases, this no-annual-fee rewards card makes it simple to earn more rewards. Rates & fees
Blue Cash Preferred® Card from American Express
0% intro for the first 12 months (then 13.99% to 23.99% variable)
N/A
$95
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
TD Cash Credit Card
0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)
0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)
$0
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
Luxury Card Mastercard® Titanium Card™
14.99% variable
0% intro for the first 15 billing cycles (then 14.99% variable)
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
CardMatch™ from creditcards.com
See issuer's website
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
0% intro for the first 6 months (then 12.99% variable)
N/A
$49
A rare secured card with a 0% intro APR on purchases for 6 months, followed by 12.99% variable.
Citi Rewards+℠ Card
0% intro for the first 15 months (then 13.49% to 23.49% variable)
0% intro for the first 15 months (then 13.49% to 23.49% variable)
$0
Earn rewards and enjoy a long intro APR period on purchases and balance transfers.
Amalgamated Bank of Chicago Platinum Rewards Mastercard®
0% intro for the first 12 months (then 12.9% to 22.9% variable)
12.9% to 22.9% variable
$0
Earn 5x points in rotating categories and $150 after spending $1,200 in the first 90 days
loading

Compare up to 4 providers

Enjoy the benefit of Intro APR on balance transfers for 15 months when you’re a cardholder of AT&T Universal Savings Platinum.

One of the best features of AT&T Universal Savings Platinum is its $0 intro APR on balance transfers for 15 months. If you’re like the many other shoppers who have credit card debts they’re striving to lessen, now is the opportunity to get a hold of this card.

This feature provides savings benefits because, after the introductory period, you can choose between its variable lower APR of 13.99% – 23.99% depending on your credit standing.


Things to consider about this card

One of the major purposes of AT&T Universal Savings Platinum is to help those cardholders who have huge credit card debt. As well as buying goods on credit, you can also get up to 1.5% in money back on purchases.

AT&T Universal Savings Platinum offers no annual fee, and its balance transfer option is one of the best introductory periods in the credit card industry.


Features of this card

AT&T Universal Savings Platinum offers these valuable standard features:

  • Annual fee: There’s no annual fee on AT&T Universal Savings Platinum membership.
  • APR for balance transfer: AT&T Universal Savings Platinum offers $0 introductory APR for 15 months from date of transfer. Thereafter you’ll be given a variable APR of 13.99%, 18.99% or 23.99% depending on your credit standing.
  • Interest rates: The company offers a variable APR on purchases at 13.99%, 18.99% or 23.99%, depending on your credit standing.
  • Interest-free period: The interest-free period offered by AT&T Universal Savings Platinum is 23 days after the completion of each billing cycle. Thereafter it will charge you with required interest on your purchase.

Complimentary insurances

AT&T Universal Savings Platinum offers some worthwhile insurance policies:

  • Extended Warranty Coverage: This coverage provides two times the manufacturer or store’s warranty for up to 12 months on the majority of items you buy. This is underwritten by Virginia Surety Company, Inc.
  • Retail Purchase Protection. This has a Purchase Assurance® coverage which is limited to $1,000 per occurrence and $25,000 per cardholder account per annum. This is a secondary coverage which is underwritten by Virginia Surety Company, Inc.
  • Automatic Travel Accident Insurance. This is underwritten by National Union Fire Insurance Company of Pittsburgh, PA.
  • Auto Rental Insurance. This has a secondary coverage which is the MasterRental® Insurance coverage that provides of up to $50,000 per incident.

How to apply for the AT&T Universal Savings Platinum

For you to apply you must be 18 years of age, and opening a new account. You must be of good credit standing. This would mean that you’ll pass their financial criteria which involves examining your annual salary, wages, other income and debt.

The following are the documents to be submitted.

  • Personal information such as full name, street address, date of birth, and other relevant identifying documents.
  • You must submit your financial information such as employer, bank, credit bureaus, details of income, assets and liabilities, etc.

After submitting your application you’ll receive a reply within 60 seconds. Please be informed that the online approval is basically ‘an approval in principle’ only which is in reference to your information you have submitted. This will further require verification of the documents and its ultimate approval will be made after your personal identity is confirmed and you been personally seen in a branch nearest you.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Go to site