AT&T Access Card from Citi: A Good Card For Online Shoppers

AT&T Access Card from Citi: A Good Card For Online Shoppers

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Citi is an advertising partner.

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 Points for every $1 you spend on purchases made online at eligible retail and travel websites. Earn 2 Points for every $1 you spend on products and services purchased directly from AT&T. Earn 1 point for every $1 you spend on other purchases, like pumping gas, buying groceries and other everyday 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.

Pros

  • Good rewards from online shopping and AT&T related purchases
  • No Annual Fee

Cons

  • 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 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 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 Get a $100 statement credit when you spend $250 on AT&T products and services within 3 months of opening your account. 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.

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, you will earn 2 Points for every $1 you spend on purchases made online at eligible retail and travel websites. Earn 2 Points for every $1 you spend on products and services purchased directly from AT&T. Earn 1 point for every $1 you spend on other purchases, like pumping gas, buying groceries and other everyday purchases.

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.

New cardholders will Get a $100 statement credit when you spend $250 on AT&T products and services within 3 months of opening your account. Only actual purchase transactions will count towards the 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 points1 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 points0.8 cents
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Citi Services

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

  • On Citibank's Secure Website

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 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 is the absence of a welcome bonus.

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, an introductory APR offer (0% introductory APR for 7 months from date of account opening on), 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.

Joe Resendiz

Joe Resendiz is a former investment banking analyst for Goldman Sachs, where he covered public sector and infrastructure financing. During his time on Wall Street, Joe worked closely with the debt capital markets team, which allowed him to gain unique insights into the credit market. Joe is currently a research analyst who covers credit cards and the payments industry. He earned a bachelor’s degree from the University of Texas at Austin, where he majored in finance.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).