We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias.
But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.
Kliment Dukovski is a writer for finder.com, working on credit cards, money transfers, home loans and more. He aims to deliver honest and accurate information to help you make the right financial decisions. Before joining Finder, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies. When he's not writing about finance-related subjects, he writes sci-fi.
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.
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 spend
How much you spend
Eligible online purchases
Purchases at AT&T
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.
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
Go to the Citi website and find the AT&T Access Card from Citi from the list of credit cards.
Fill out the application form with required details such as your date of birth and Social Security number.
Yes. Each card is equipped with EMV chip technology for added security.
As a cardholder, you can enjoy the Citi Price Rewind feature. Citi Price Rewind searches for a lower price on the registered items you pay for with your Citi card at hundreds of online merchants. If the same item is found at a lower price within 60 days of your initial purchase date, you may receive the difference between the price you paid and the lower price found.
The Citi Private Pass is included with Citi card membership, and gives cardholders select access to annual events, presale tickets, VIP packages, complimentary movie screenings and more.
Department store, specialty store, warehouse store and boutique website purchases count towards the eligible online retail category. Purchases at travel websites — such as online travel agencies, hotel and airline websites — count towards travel purchases.
How likely would you be to recommend finder to a friend or colleague?
Very UnlikelyExtremely Likely
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.