Specifics

• Introductory Rate: 0% APR for up to 12 Months
• Applied Towards: Balance Transfers
• APR (Purchases): As low as 7.99% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 19.99% There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
• Finance Configuration: Average Daily Balance (including new purchases)
• Annual Fee: None
• Additional Cardholders: $0
• Grace Period: 20 Days (Min.)
• Minimum Credit Limit: $300
• Maximum Credit Limit: n/a
• Late Payment Fee: $15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over
• Over-The-Limit Fee: $39
• Cash Advance Fee: 3%, $5 minimum
• Balance Transfer Fee: A balance transfer fee applies with this offer* (see site for details).

Reward Program Details

• Points per Dollar: n/app
• Additional Points: n/app
• Point Details: n/app
• Expiration: n/app (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: n/app

Review

Designed for those with very good credit who want a card with platinum cardholder benefits. Card acts as both a credit card and calling card; however, the calling card rates are high. Receive up to 30 free phone minutes per month. For each dollar you spend on AT&T products and services that matches the amount you spend on other purchases, you will receive 10% savings in the first 12 months and 5% thereafter. Savings will appear on your billing statement; you can save up to $350 in any calendar year. APR for purchases and balance transfers is reasonably low for those who carry a balance. Also, there is a 0% intro rate for balance transfers for one year. Balance transfer fee is 3%, $5 minimum. 3% international transaction fee. Last Modified Date: 11/3/2008 12:00:00 AM

Additional Perks

$0 liability on unauthorized purchases.
Secure, free online account management.
Card can be used as a calling card.
Receive 2 free directory assistance inquiries per month.
Receive up to 30 free phone minutes per month.
Wireless phone loss and theft insurance reimbursement for replacement coverage.
Various Internet account related services.
Identity theft solutions.
Fraud and security protection services.
Year-end financial statement.
Up to $1,000,000 in travel accident insurance.
Lost luggage assistance.
Auto rental insurance.
Emergency card replacement.
Emergency cash replacement.
Lost and stolen card reporting.
Medical referral services.
Legal referral services.
Various travel and emergency assistance services.
Automatic bill payment.
Up to 10% Savings on AT&T Purchases.
See website for additional benefits.
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Important Notations

The APR for purchases and balance transfers varies according to the applicant's credit history and will be 3.99%, 6.99%, or 10.99% + Prime Rate. The minimum APR for cash advances is 19.99%. See website for complete terms and conditions of card usage and application disclosure.