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AT&T Access Card from Citi review

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Earn more points when you pay your bill and shop online.

  • Get this card if you’re an AT&T customer and often make purchases online.
  • Pick something else if you want a higher reward rate or an intro APR period.
  • Apply with a good to excellent credit score of 670 or higher.
The information about AT&T Access Card from Citi has been collected independently by Finder and and has not been reviewed or provided by the issuer.


Points as welcome offer

Up to 2x



Annual fee

13.99% to 22.99%

Purchase APR (variable)


Product NameAT&T Access Card from Citi
Card typeVisa
Annual fee$0
Purchase APR13.99% to 22.99% variable
Balance transfer APR13.99% to 22.99% variable
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate25.24% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Penalty APR29.99% fixed
Foreign transaction fee3% of the transaction value
Interest free periodUp to 23 days
Late payment feeUp to $40
Returned payment feeUp to $40
Additional cardholder fee$0

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The AT&T Access Card from Citi — a advertising partner — has no annual fee and is tailored to AT&T customers who are big online shoppers. With the card, you 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 that could be useful.

The perks

  • ThankYou points.
    Earn 2x points on online purchases and eligible retail and travel websites. You’ll also earn 2x points on purchases made directly at AT&T, such as phone payments, cable or internet bills. Everything else you buy earns 1x points.
  • Signup bonus.
    Spend $1,000 on purchases in your first 3 months of card membership and earn 10,000 bonus ThankYou points. According to the Citi website as of January 2019, this bonus is worth up to $100 in redemption value.
  • No annual fee.
    You get all the rewards without paying an annual fee.

How much rewards can I earn with the AT&T Access Card from Citi?

Where you spendHow much you spendPoints
Eligible online purchases$5,00010,000
Purchases at AT&T$2,0004,000
Everything else$5,0005,000

With annual spending similar to our example, you could earn 19,000 ThankYou points. If you clear the signup bonus, that’s a total of 29,000 points for the first year — worth up to $290 in redemption value.

You’ll also like …

  • Citi Entertainment℠.
    Get access to presale tickets and VIP packages to concerts, sporting events, dining experiences and more.
  • Citi Concierge.
    Enjoy concierge services by Citi every time you need assistance with travel, shopping, dining, entertainment and more.
  • Choose your due date.
    You get the flexibility to choose your due date in the beginning, middle or end of the month.
  • Apple Pay.
    Simplify your credit card purchases with a single touch on your Apple device.

What to watch out for

  • Foreign transaction fees.
    This may not be a good card for traveling abroad, as you’ll pay a fee equal to 3% of each transaction you make.
  • Penalty APR.
    With a single late or returned payment, Citi can impose a penalty APR of up to 29.99% variable. Once incurred, it may apply indefinitely.
  • No intro APR period.
    If you’re looking to save money on interest payments on your balance, look for 0% intro APR credit cards.

Compare rewards credit cards

Data indicated here is updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.

Compare up to 4 providers

What should I know before I apply?

To apply for the card, you must be at least 18 years old. In your application, provide your:

  • Full name, address and contact information
  • Date of birth and Social Security number
  • Financial and AT&T information, if any

What credit score do I need?

Apply for the card with a good to excellent credit score of 670 or higher.

What do customers say about the AT&T Access Card from Citi?

Citi is not accredited by the Better Business Bureau and is rated with an F. However, the letter grade rating only represents BBB’s opinion on how likely the bank will interact with their customers to resolve issues posted on the BBB website. The letter grade rating is not a guarantee of the business performance or reliability.

Most customer complaints on the BBB website revolve around poor customer support for the bank in general and for hidden costs of their products. Be sure to read the terms and conditions of your card in full to avoid any surprise costs.

How to apply for the AT&T Access Card from Citi

  1. Go to the Citi website and find the AT&T Access Card from Citi from the list of credit cards.
  2. Fill out the application form with required details such as your date of birth and Social Security number.
  3. Review your application and submit.

AT&T Access Card from Citi application process

How long will it take to get my AT&T Access Card from Citi?

You can get a decision on your application in less than a minute. Citi may require additional information, which may take up to 10 business days to resolve.

Once approved, your card should arrive in up to 10 business days.

I got the card. Now what?

  • Download the Citi Mobile app. With the app, you can activate your card or make payments, find an ATM near you and more.
  • Avoid paying interest. Make sure you pay your bill before it’s due. Otherwise, you’ll pay interest that can offset any rewards earned with the card.
  • Contact customer support. Call 866-422-0306 for any questions you may have.

How do I redeem rewards from the AT&T Access Card from Citi?

To redeem your rewards, you can either call the ThankYou service center at 800-842-6596 or log in to your online account.

Your redemption options include:

  • Cash
  • Merchandise
  • Gift cards
  • Travel purchases

To get the highest value for your points, consider redeeming for travel purchases where 1 point is worth 1 cent.

Bottom line

AT&T customers who are searching for a card with no annual fee and a straightforward rewards structure are likely going to be pleased with this one.

But if you’re looking for more perks in a card, look into rewards credit cards until you find the one that suits your needs.

Frequently asked questions

Images: Citi

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  1. Default Gravatar
    July 11, 2017

    Can I see the statement that came to my email for May, 2017, plus any other pertinent info?

    • Avatarfinder Customer Care
      July 11, 2017

      Hi Mildred,

      Thanks for your question.

      Kindly note that we are, a financial comparison and information website that helps consumers make better decisions. We are not Citi.

      You can check your May statement by logging into your account on Citi website. With Citi’s Online Bank Statements, you can view or print your statements anytime.

      Alternatively, you may also directly call Citi to request for a copy.


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