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.
- Lindsay Vansomeren, Matthew Klammer, The BalanceIt is a rewards card with a special bonus for AT&T and online retail purchases. However, if earning rewards is your true goal, you might be better off with another card.
- Kelli Bamforth, CreditCards.comThe 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.
- Brian Martucci, Money CrashersThe 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...
- Christine Krzyszton, RewardExpertYou 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.
- FinderThis 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.
Interest Rates | |
---|---|
Regular APR Interest Rate |
14.24% ‐ 23.24% (Variable) This APR will vary with the market based on the Prime Rate. |
Balance Transfer Interest Rate |
14.24% ‐ 23.24% (Variable) This APR will vary with the market based on the Prime Rate. |
Cash Advance Interest Rate |
25.49% (Variable) This APR will vary with the market based on the Prime Rate. |
Rates & Fees | |
Annual Fee | $0.00 |
Balance Transfer Fee |
5% 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 |
$40.00 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 | No |
Car Rental Insurance | No |
Car Rental Discount | No |
Extended Warranty | No |
Purchase Protection | Yes |
Zero Liability | Yes |
No Foreign Transaction Fees | No |
Emergency Assistance | No |
Concierge Service | No |
Price Protection | No |
Fraud Protection | Yes |
Free Credit Scores | No |
Wireless Payments | Apple Pay, Samsung Pay, Google Pay |
Virtual Cards | Yes |
Additional Benefits |
Citi Entertainment |
Eligibility | |
Minimum Security Deposit | $0 |
Minimum Age | 18 |
Minimum Personal Income | |
Temporary Residents | No |
More | |
Additional comments | - |
Terms & Conditions | Official Terms & Conditions |
Suggest a correction |
Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.
Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.
Help inform others by sharing your experience with AT&T Access Card from Citi