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.
Points as welcome offer
Up to 2x
13.99% to 22.99%
Purchase APR (variable)
|Product Name||AT&T Access Card from Citi|
|Purchase APR||13.99% to 22.99% variable|
|Balance transfer APR||13.99% to 22.99% variable|
|Balance transfer fee||$5 or 3% of the transaction, whichever is greater|
|Cash advance rate||25.24% variable|
|Cash advance fee||$10 or 5% of the cash advance amount, whichever is greater|
|Penalty APR||29.99% fixed|
|Foreign transaction fee||3% of the transaction value|
|Interest free period||Up to 23 days|
|Late payment fee||Up to $40|
|Returned payment fee||Up to $40|
|Additional cardholder fee||$0|
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.
The AT&T Access Card from Citi — a finder.com 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.
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.
- 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.
- 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||Points|
|Eligible online purchases||$5,000||10,000|
|Purchases at AT&T||$2,000||4,000|
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
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:
- Gift cards
- Travel purchases
To get the highest value for your points, consider redeeming for travel purchases where 1 point is worth 1 cent.
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.