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The AT&T Access Card from Citi is a good entry-level rewards credit card that offers decent returns on certain online purchases – it has a rewards rate of up to 2%. Additionally, it has the same 2% rewards rate on AT&T products and services, which is a good way to save some money on your monthly bills or new device purchases. Ultimately, if your credit score is high enough, we recommend applying for other cash back or travel rewards cards which can produce significantly higher returns on your purchases.
- Good rewards from online shopping and AT&T related purchases
- No Annual Fee
- The ThankYou® rewards program is not as robust as some of its competitors
- Bonus is not as good as ones we’ve seen on similar cards
Review: Is the AT&T Access Card from Citi a Good Value?
The AT&T Access Card from Citi provides consumers with decent rewards - an effective rewards rate of 2% - in two situations: when they shop online at eligible websites, and when they buy AT&T products and services. If your credit score is high enough, you will be better off with a card like the Citi® Double Cash Card – 18 month BT offer. The Citi® Double Cash Card – 18 month BT offer is not just limited to online and brand-specific categories.
One of the more disappointing aspects of the AT&T Access Card from Citi is its relatively weak welcome bonus. Users can Earn 10,000 Bonus ThankYou® Points after making $1,000 in purchases within 3 months of account opening We value the bonus at roughly $100. We’ve seen similar credit cards offering bonuses as high as $200. Therefore, if you are looking to grab a lot of value, in a short period of time, there are better options.
Outside of the best cash back cards, very few credit cards offer rewards for online shoppers as good as the ones we see on the AT&T Access Card from Citi. If you find yourself frequently ordering things online from retail stores, or booking online travel, the AT&T Access Card from Citi will earn you a 2% rewards rate. While not an earth-shattering number, it’s one that adds up quickly for shopaholics. Those of you who mostly shop on Amazon.com should be aware that the Sallie Mae MasterCard reigns supreme in that category, with rewards a high as 5%.
Bottom Line: The AT&T Access Card from Citi is a decent ‘No Annual Fee’ credit card for individuals who love shopping online. If you can look past the low welcome bonus, only a few credit cards offer what the AT&T Access Card from Citi does, at this price point.
Benefits & Features of the AT&T Access Card from Citi
Whenever you use your AT&T Access Card from Citi to make eligible retail purchases online, or through travel websites, each $1 spent will earn you 2 Citi ThankYou® points. Additionally, using the card to pay for AT&T products and services earns the same rate of 2 points per $1. All purchases outside those categories produce just 1 ThankYou® Point for every dollar you spend.
In the best case scenario, when using your rewards to get a value of $0.01 per point, the rewards rate on the AT&T Access Card from Citi will be somewhere between 1% and 2%. To maximize the value you receive, we recommend only using the card to pay for things which earn you 2 points per $1. That way, the AT&T Access Card from Citi remains competitive, when compared to other leading credit cards. When it comes to other purchases, the 1% rewards rate is on the low end of the spectrum – most cash back cards will get you a better deal.
If you spend $1,000 in purchases, within the first 3 months of opening your account, you will be awarded an additional 10,000 bonus ThankYou® points. These can be worth up to $100. Only actual purchase transactions will count towards the $1,000 spending requirement – balance transfers, cash advances, interest, or other finance charges do not count towards it.
What Are ThankYou® Points Worth?
The points earned through the AT&T Access Card from Citi can be redeemed at a maximum rate of $0.01 per point. To do so, you must limit redemption to only flight bookings and gift cards. There exist a number of other options, should a user want their points to take the form of cash back or to shop with them online. The table below displays all the point redemptions, alongside our estimated point value of each.
|Usage||Example||Value Per Point|
|Cash Back||$50 Cash Back: 10,000 points||.5 cents|
|Gift Cards||$25 Best Buy Gift Card: 2,500 points||1 cent|
|Redeem For Flights*||$450 fare: 45,000 points*||1 cent|
|Shopping||$829 Apple iPad Mini: 100,000 points||.83 cents|
|Statement Credit||$10 Statement Credit: 2,000 points||.5 cents|
|Select And Credit||$150 Credit: 20,000 points||.75 cents|
|Amazon||$80 purchase: 10,000 points||0.8 cents|
The AT&T Access Card from Citi comes with a suite of benefits known as Citi Services. These include a variety of protections and benefits. However, these are not exclusive to the AT&T Access Card from Citi– all Citi issued credit cards come with some version of these perks. The best of these benefits include:
- Citi® Private Pass®: Access to a website where cardholders have the ability to purchase pre-sale tickets to various concerts and events. From time to time, Citi® Private Pass® will include the ability to buy access to sold out shows – with tickets being set aside specifically for Citi cardmembers.
- Citi® Price Rewind: If you purchase something using your credit card, and Citi finds that item at a lower price 60 days within, you will be reimbursed the difference up to $500 per item. The maximum yearly payout of the Price Rewind benefit is $2,500.
We’ve seen most of the other services, in one form or another, on other credit cards – not just Citi ones. For instance, you should be aware that “$0 liability on unauthorized charges” is offered by virtually all major issuers.
How Does the AT&T Access Card from Citi Compare to Other Credit Cards?
Understanding the value of credit cards often comes down to comparing all available options. In order to help develop a feel for whether the AT&T Access Card from Citi is the right choice for you, we have profiled how it preforms against some other leading credit cards.
AT&T Access Card from Citi vs Citi® Double Cash Card – 18 month BT offer
If attainable, the Citi® Double Cash Card – 18 month BT offer is the better choice over the AT&T Access Card from Citi. The Citi® Double Cash Card – 18 month BT offer lets you Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. This applies to all purchases – meaning it matches the rewards on the AT&T Access Card from Citi, and then some. The one downfall of the Citi® Double Cash Card – 18 month BT offer is the absence of a welcome bonus.
AT&T Access Card from Citi vs Sallie Mae Mastercard
The Sallie Mae Mastercard is one of the best cards for online shopping – as long as that shopping is limited to Amazon.com. Individuals who use the card will earn 5% cash back on the first $750 each month in book and non-digital Amazon.com purchases (1% back thereafter). This card does not offer anything in terms of travel rewards, focusing instead on gas and grocery. If you are more concerned about travel and non-Amazon.com purchases, then we recommend opting for the AT&T Access Card from Citi. Otherwise, the Sallie Mae Mastercard will give you the better value.
AT&T Access Card from Citi vs AT&T Access More
Please note that the AT&T Access More has been discontinued. The AT&T Access More is the premium version of the AT&T Access Card from Citi. It comes with higher rewards rates, a 0% intro APR offer, and one of the best bonuses in the credit card industry. The catch is that in order to get the AT&T Access More you must deal with a $95 annual fee. This fee becomes a lot easier to swallow if you can take advantage of the card’s fantastic bonus offer. The AT&T Access More will reimburse you the purchase of a new AT&T phone (up to $650), as long as you spend at least $2,000 in purchases using the card within the first 3 months of opening your account. If you are looking for a new AT&T phone, then this card is the hands down better choice over the AT&T Access Card from Citi.