Prepaid calling credit rating and cards cards are both included in the ATT Universal credit card. Cardholders are entitled to two free monthly contacts queries. Additionally, per month from any area you are entitled to up to 30 minutes of free calling. Every dollar you spend on eligible AT&T items which you spend the same amount on other purchases will earn you 5% of the total. However, you will earn 10% of each dollar you may spend on eligible AT&T purchases throughout the first 12 months of your card membership, equating to the total amount you spend on purchases. You are allowed to save up to $350 every year (eligible transactions appear on your January-December billing statement). Here, some fine print is being ordered. First, AT&T consumer goods and/or services and Cingular bill payments meet the criteria transactions where you could save money. Purchases of AT&T consumer goods and solutions must be made through AT&T Customer Service Centers, Cingular Company-owned stores, 1-800-222-3111, 1-866-246-4852, or Unless they are paid for Cingular service, purchases from independent Cingular resellers aren't eligible. Annual Cost and APR - There is no total annual fee for the ATT Universal Credit Card. Depending on your credit history, the APR can be only prime rate + 3.99%. The monthly balance is determined using the average daily balance formula, which takes new purchases into account. For to 12 months up, transfers of balance for new cardholders are interest-free. However, I do not advise applying this card to do balance transfers because there is no cap on the best balance transfer price.
