AT&T Access Card from Citi review

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Advertiser Disclosure

Interest Rate: Purchases
15.99 ‐ 24.99%
Balance Transfer
15.99 ‐ 24.99%
Rewards
1 - 2 points
Signup Bonus
10000 points (after spending $1,000)


6.6/10
Informr score
The AT&T Access Card from Citi currently has an Informr score of 6.6 out of 10. This score is based on our evaluation of 8 sources including reviews from users and the web's most trusted critics.

Am I eligible?


AT&T Access Card from Citi is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


CreditCards.com

The AT&T Access Card from Citi is an easy way for current AT&T customers to earn points on their monthly phone, cable and internet payments. For others, it won’t be nearly as useful.

- Kelli Bamforth, CreditCards.com
Money Crashers

The ideal user is an AT&T customer who uses the card to pay their phone, cable, and Internet bills and purchase new devices and accessories directly from AT&T. Thanks to the above-average rate of return on travel and online retail spending, there’s a separate case to be made for AT&T Acc...

- Brian Martucci, Money Crashers
RewardExpert

You may consider this card if you’re heavy into online shopping and an AT&T customer, but depending on your spending habits, you might fare better with a cashback credit card for overall earning and redemption flexibility.

- Christine Krzyszton, RewardExpert
Finder

This AT&T card acts as a way to earn rewards, and is known for helping cardholders earn ThankYou points that can be redeemed for gift cards, travel rewards, electronics and more. The card also includes a number of purchase, travel and security benefits.

- Finder
Bankrate

Overall, the AT&T Access More Card from Citi is an average card that offers low fees and run-of-the-mill rewards, unless you’re an AT&T customer or big online shopper.

- Natalie Campisi, Bankrate

Details


Interest Rates
Regular APR Interest Rate 15.99% ‐ 24.99%

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 15.99% ‐ 24.99%

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 27.24%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $35.00

Maximum

Promotions
Sign up bonus 10000 points after spending $1,000

On purchases within the first 3 months.

Rewards
All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel 2 points per $1 spent

On eligible travel websites

Pharmacy No
Bills No
Additional Details

2 points per $1 spent on products and services purchased directly from AT&T.

2 points per $1 spent on eligible retail websites.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay
Additional Benefits

Trip Cancellation & Interruption Protection

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Critic Reviews


CreditCards.com

So-so rewards

from CreditCards.com

The AT&T Access Card from Citi is an easy way for current AT&T customers to earn points on their monthly phone, cable and internet payments. For others, it won’t be nearly as useful.

Read full review

The AT&T Access Card from Citi is an easy way for current AT&T customers to earn points on their monthly phone, cable and internet payments. For others, it won’t be nearly as useful.

Read full review

Less

Money Crashers

An ideal spending aid for AT&T customers.

from Money Crashers

The ideal user is an AT&T customer who uses the card to pay their phone, cable, and Internet bills and purchase new devices and accessories directly from AT&T. Thanks to the above-average rate of return on travel and online retail spending, there’s a separate case to be made for AT&...More

The ideal user is an AT&T customer who uses the card to pay their phone, cable, and Internet bills and purchase new devices and accessories directly from AT&T. Thanks to the above-average rate of return on travel and online retail spending, there’s a separate case to be made for AT&T Access as a secondary card used specifically for those types of spending.

Read full review

Less

RewardExpert

Get double ThankYou points from AT&T and for online travel purchases

from RewardExpert

You may consider this card if you’re heavy into online shopping and an AT&T customer, but depending on your spending habits, you might fare better with a cashback credit card for overall earning and redemption flexibility.

Read full review

You may consider this card if you’re heavy into online shopping and an AT&T customer, but depending on your spending habits, you might fare better with a cashback credit card for overall earning and redemption flexibility.

Read full review

Less

Finder

A no-annual-fee rewards card that offers double points on AT&T purchases

This AT&T card acts as a way to earn rewards, and is known for helping cardholders earn ThankYou points that can be redeemed for gift cards, travel rewards, electronics and more. The card also includes a number of purchase, travel and security benefits.

Read full review

This AT&T card acts as a way to earn rewards, and is known for helping cardholders earn ThankYou points that can be redeemed for gift cards, travel rewards, electronics and more. The card also includes a number of purchase, travel and security benefits.

Read full review

Less

Bankrate

A great choice for AT&T customers

from Bankrate

Overall, the AT&T Access More Card from Citi is an average card that offers low fees and run-of-the-mill rewards, unless you’re an AT&T customer or big online shopper.

Read full review

Overall, the AT&T Access More Card from Citi is an average card that offers low fees and run-of-the-mill rewards, unless you’re an AT&T customer or big online shopper.

Read full review

Less

ValuePenguin

A good card for online shoppers

from ValuePenguin

The AT&T Access card is a decent ‘no annual fee’ credit card for individuals who love shopping online. If you can look past the low welcome bonus, only a few credit cards offer what the AT&T credit card does, at this price point.

Read full review

The AT&T Access card is a decent ‘no annual fee’ credit card for individuals who love shopping online. If you can look past the low welcome bonus, only a few credit cards offer what the AT&T credit card does, at this price point.

Read full review

Less

CardsBull

Not a good option for everyday spend/in-store shopping

Only worth getting if you shop exclusively online. The credit card has no special benefits, which makes it good-for-nothing. There’s no point in issuing a co-branded credit card that offers nothing but two points on certain purchases.

Read full review

Only worth getting if you shop exclusively online. The credit card has no special benefits, which makes it good-for-nothing. There’s no point in issuing a co-branded credit card that offers nothing but two points on certain purchases.

Read full review

Less

Doctor Of Credit

Don't get excited yet

from Doctor Of Credit

At the absolute maximum you’ll be able to get $555 in value, this is because you have to pay the $95 annual fee upfront. If you don’t want to be an AT&T customer you’ll also need to pay another $15-$60 fees. Even so, a bonus of $500+ is great, this card is really best suited for those who are in the market for a new phone.

Read full review

At the absolute maximum you’ll be able to get $555 in value, this is because you have to pay the $95 annual fee upfront. If you don’t want to be an AT&T customer you’ll also need to pay another $15-$60 fees. Even so, a bonus of $500+ is great, this card is really best suited for those who are in the market for a new phone.

Read full review

Less

User Reviews


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