AT&T Access Card from Citi review | finder.com

AT&T Access Card from Citi review

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AT&T Access Card from Citi

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.
Product NameAT&T Access Card from Citi
Card TypeVisa
Annual Fee$0
Standard Purchase APR16.24% to 25.24% variable
Intro Purchase APR

N/A

Standard Balance Transfer APR16.24% to 25.24% variable
Intro Balance Transfer APR

N/A

Balance Transfer Fee$5 or 3% of the transaction, whichever is greater
Cash Advance Rate27.49% variable
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Foreign Transaction Fee3% of the transaction value
Interest Free PeriodUp to 23 days
Late Payment FeeUp to $39
Returned Payment FeeUp to $39
Additional Cardholder Fee$0
AT&T Access Card from Citi
Minimum Age18 years of age
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
Base Rewards1x points
Rewards Points ExpiryNever

The basics

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.

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
Groceries$4,0008,000
Everything else$5,0005,000
Total$12,00019,000

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 Private Pass.
    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

Updated June 25th, 2019
Name Product Welcome Offer Rewards Annual Fee Filter values
$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
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
3% cash back bonus on up to $10,000 in the first 12 months, then 1.5%
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
$0
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
$150 after spending $1,000 in the first 3 months
1.5% cash back on all purchases
$0
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
60,000 points after spending $5,000 in your first 3 months
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees

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.

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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2 Responses

  1. Default Gravatar
    MildredJuly 11, 2017

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

    • Avatarfinder Customer Care
      AnndyJuly 11, 2017Staff

      Hi Mildred,

      Thanks for your question.

      Kindly note that we are finder.com, 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.

      Cheers,
      Anndy

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