Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

AT&T Access Card from Citi review

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.
Please note: Citi is an advertising partner of

All information about this card has been collected independently by Finder.

2x points at retail and travel websites and 2x points at AT&T



Annual fee

13.99% to 22.99% variable

Purchase APR


Minimum Credit Score


Annual fee$0
Welcome offer10,000 points after spending $1,000 in the first 3 months
Rewards2x points at retail and travel websites and 2x points at AT&T
Purchase APR13.99% to 22.99% variable
Balance transfer APR13.99% to 22.99% variable
Minimum Credit Score670

Review by

Kliment Dukovski is a credit cards and investments 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 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.

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.

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

Name Product Welcome Offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
$300 statement credit after spending $3,000 in the first 6 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 other purchases (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Capital One Venture Rewards Credit Card
Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
Earn unlimited 2x miles on every purchase, every day
Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months ​from account opening
Capital One Quicksilver Cash Rewards Credit Card
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

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.

AT&T Access Card from Citi reviews and complaints

Even though Citi has been in business for more than 200 years, it was never accredited by the Better Business Bureau (BBB). As of October 2020, more than 200 customers on the BBB site give the bank a score of 1 out of 5. Because Citi failed to resolve customer complaints on the site, BBB has rated the bank with the lowest F rating.

Citi is rated slightly higher at 1.8 out of 5 on Trustpilot where customers mostly complain about poor customer service.

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

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.


    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.


Go to site