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AT&T Access Card from Citi

AT&T Access Card from Citi

Earn 10,000 Bonus ThankYou® Points

AT&T Access Card from Citi
  • Regular Purchase APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Mastercard
Best Benefits
  • Earn 10,000 bonus ThankYou® Points after making $1,000 in purchases within 3 months from account opening
  • Earn 2 points per $1 on purchases at eligible retail and travel websites, as well as on products and services directly purchased from AT&T
  • Earn 1 point per $1 on all other purchases
  • Redeem your ThankYou® Points for statement credits, gift cards, electronics, or travel rewards; No annual fee
Rates & Fees
  • Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
  • Foreign Transaction Fee: 3% of each purchase transaction in US dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40

At a Glance

The AT&T Access Card from Citi entices online shoppers and frequent AT&T customers with up to double points earned when shopping in select categories.

Ideal for Those Who:

  • Frequently shop at AT&T or use AT&T as a service provider
  • Are looking for a credit card that earns rewards points on every purchase
  • Want flexible redeeming options for your accumulated points
  • Don’t want to pay an annual fee

AT&T Access Card from Citi Review

For those who spend more time making their purchases on the web than brick-and-mortar stores, the AT&T Access Card from Citi makes a worthwhile companion. As part of Citi’s ThankYou® rewards program, the card earns 2 points per $1 when you shop at eligible online retail stores such as department stores, warehouse merchants, boutique websites, and even travel companies. You can also earn 2 points per $1 on direct purchases with AT&T; this includes everything from buying a new device to paying cable, phone, or Internet bills. All other eligible purchases earn 1 ThankYou® Point per $1, so matter where you choose to make a purchase, you’ll be adding on to your points total.

Introductory Bonuses

When you first open an account for this card you’re presented with the opportunity to earn 10,000 bonus ThankYou® Points if you spend at least $1,000 within three months. In a possible scenario, you could use the card to purchase a new smartphone through AT&T, thereby not only getting very close to the $1,000 requirement but also earning double points for the phone’s purchase. Those additional 10,000 points could go towards a big redemption you may have planned or towards treating yourself to a smaller splurge.

Access to Citi Services

The Citi AT&T Access Card also comes with a selection of unique services, called the Citi Services program.  These services are not unique to the AT&T Access Card from Citi but are available on most Citibank credit cards. There are two specific Citi Services with the Access Card, Citi Private Pass, and Citi Price Rewind.
  • Citi Private Pass offers exclusive pre-sale ticket access for Citi credit cardholders. Private Pass not only offers exclusive pre-sale windows for sporting events, concerts, and more – but also access to sold-out events.
  • Citi Price Rewind offers purchase protection for up to 60 days on purchases made with an eligible Citi credit card.

Should You Apply for the AT&T Access Card from Citi?

Asides from the ThankYou® Points structure and the welcome bonus, the AT&T Access Card from Citi doesn’t offer any other extravagant perks. As a Citi cardholder you’re automatically eligible for special access to exclusive events and presales via Citi® Private Pass®, and Citi® Concierge assists you in making purchases on everything from gifts to dining to travel. The card doesn’t have an annual fee, which is welcome, but it does charge a foreign transaction fee if used abroad. For repeat AT&T clients with a penchant for a no-frills credit card and who value rewards points, then, the AT&T Access offers everything they need.  

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