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AT&T Access Card from Citi review

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Advertiser Disclosure

Interest Rate: Purchases
13.99% ‐ 22.99% (Variable)
Balance Transfer
13.99% ‐ 22.99% (Variable)
1 - 2 points
Signup Bonus
10000 points (after spending $1,000)

Informr score
The AT&T Access Card from Citi currently has an Informr score of 6.7 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...

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,
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

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

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

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


Interest Rates
Regular APR Interest Rate 13.99% ‐ 22.99% (Variable)

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

Balance Transfer Interest Rate 13.99% ‐ 22.99% (Variable)

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

Cash Advance Interest Rate 25.24% (Variable)

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 $40.00


Sign up bonus 10000 points after spending $1,000

On purchases within the first 3 months.

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

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