AT&T Access Card From Citi Review

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The AT&T Access Card from Citi is a rewards card with a special bonus for AT&T and online retail purchases. However, if earning rewards is your true goal, you might be better off with another card.

AT&T Access Card From Citi

Overall Rating
AT&T Access Card From Citi
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.99% - 22.99% variable
Annual Fee $0
Rewards Earning Rate 2 points per dollar at eligible retail and travel websites and on products and services made directly with AT&T. 1 point per dollar on all other purchases.
Foreign transaction fee (%) 3%
Ratings Breakdown
for Interest
for Fees
for Rewards
for Credit
Current Offer

Earn 10,000 Bonus ThankYou® Points after you spend $1,000 in purchases within 3 months of account opening.

Who Is This Credit Card Best For?

  • Avatar for Jet Setter Persona
    Flies regularly and likes finding ways to score even more travel—for free See more cards
    Jet Setter
  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain See more cards
    Deal Seeker
  • Avatar for Road Warrior Persona
    Hits the road often, whether for work or play See more cards
    Road Warrior
  • Avatar for Adventure Seeker Persona
    Loves to explore places and experience new things See more cards
    Adventure Seeker

If you’re an AT&T customer who wants to earn extra rewards from paying your cell phone bill or for online purchases, you might be interested in this card. You can get added value out of it if you frequently shop online, too. Also, if you’re not sure how you want to use your rewards and want redemption flexibility, the card offers multiple options for redeeming your points. 

However, it’s not the greatest card if you want to earn a high rewards rate on all of your spending. For that, there are other cash-back cards we’d recommend with rewards rates of 1.5%-2% for all purchases. 

  • Rewards for paying your cell phone bill

  • Low APR

  • Narrow bonus categories

  • Underwhelming bonus for new cardholders

  • No 0% intro APR offer on purchases or balance transfers

Pros Explained

  • Rewards for paying your cell phone bill: It’s not always easy to find rewards cards for bills like cell phone service. The few that are out there often rely on complicated rotating-category bonuses, so you might not even qualify for the higher rate for the full year.
  • Low APR: The card’s best APR is significantly lower than the averages for rewards cards and all cards, in general. If you can qualify for the lowest rate, you could save money on interest payments compared to cards with higher APRs.

Cons Explained

  • Narrow bonus categories: You’ll earn a higher rewards rate for “eligible” online retailers, which includes tricky categories like “specialty store websites.” Is a cookware website a “specialty” store, for example? It’ll be tough to tell in many cases, which might mean you’ll earn fewer rewards than you expect.
  • Underwhelming bonus for new cardholders: You’ll earn 10,000 ThankYou Points for spending at least $1,000 within the first three months. Many other cards without an annual fee offer a better bonus for new cardholders. 
  • No 0% intro APR offer on purchases or balance transfers: It’s pretty common for cards like this to come with a defined 0% APR period for balance transfers or purchases to help you save money. Yet, this card doesn’t come with one, so it’s not a great option for paying down debt or making a large purchase.

AT&T Access Card From Citi’s Bonus for New Cardholders

Citi offers a meager welcome bonus of 10,000 ThankYou Points if you spend at least $1,000 on your card within the first three months. Your bonus points are worth $100. You redeem the bonus for travel booking, gift card, cash, and more through Citi’s ThankYou rewards portal. If you earn the bonus, Citi will deposit it into your account within two billing cycles.

Earning Points & Rewards

The rewards you earn with this card are called ThankYou Points, and they’re a pretty standard points currency across many of Citi’s cards. You’ll earn at least 1 ThankYou Point per dollar for every purchase you make with the card, and 2 ThankYou Points per dollar for purchases made at AT&T, including your monthly bill and even tech purchases from AT&T like a new phone or tablet.

You’ll also earn 2 ThankYou Points per dollar on purchases made with certain online retailers. According to Citi, that includes:

  • Department store websites
  • Specialty store websites
  • Warehouse store websites
  • Boutique websites
  • Travel websites (online travel agencies and hotel and airline websites)

And, specifically, the 2% bonus for online retailers excludes from this list certain types of businesses:

  • Real estate (including rentals)
  • Medical services
  • Insurance
  • Prepaid cards (including reloadable gift cards)
  • Education
  • Charities
  • Utilities
  • Taxes and government services

So even though you may make these purchases online, they don’t count for the bonus points and you’ll earn 1 ThankYou Point for every dollar you spend. This list of what counts and what doesn’t count for rewards is a little more complex than the typical rewards category but not uncommon.

Like most credit card issuers, Citi uses merchant codes to classify who you’re buying from. If you want to ensure you’ll earn bonus points, you’ll need to know two things: which merchant codes Citi uses for bonus categories, and which merchant code the store you want to buy from is classified as.

Redeeming Rewards

You can redeem your points through a ThankYou Points account Citi will create when you open your card, which you can log into and view alongside your credit card account.

You have a lot of options to choose from for getting the most value out of your points (1 cent per point): 

  • Statement credit
  • Gift cards
  • Purchases from popular online retailers like Amazon
  • Travel through Citi’s travel booking portal
  • Charitable donations 

Many cash-back cards will give you 1 cent for every point you redeem for cash. If your primary goal is to earn cash rewards, other cards may be a better fit.

How to Get the Most Out of This Card

To get the most from this card, look at the highest value per point when choosing from the many options available in the ThankYou Point portal. Use your points to book travel, make charitable donations, purchase gift cards, or shop with online retailers to get the best value. 

The gift-card redemptions available to you are pretty diverse, ranging from restaurants and theaters (AMC, Fandango) to clothing and more. Before applying for this card, take a look at the list of cards available to see if there are any merchants you regularly shop at. 

AT&T Access Card From Citi’s Other Features

  • Sports, music, and event ticket presales, plus VIP access at some events

Customer Experience

Citi ranked below the national average for credit card issuers, finishing sixth out of 11 issuers in J.D. Power’s 2021 U.S. Credit Card Satisfaction Study. However, the news is better for mobile app users. Citi ranked fifth out of 10 banks in the 2021 U.S. Banking Mobile App Satisfaction Study by J.D. Power.

Citi offers chat and phone support, as well as account management through its app and website.

Security Features

Citi offers standard security features on the AT&T Access Card, such as fraud alerts and zero liability for fraudulent purchases. Also, Citi offers a card-lock feature so that you can prevent new purchases from happening (aside from normal, recurring ones like bills) if you lose your card or if it’s stolen. 

Fees to Watch Out For 

The AT&T Access Card from Citi’s fees are similar to other cards. Still, the card charges a 3% foreign transaction fee, so you’ll want to take a different card with you if you travel overseas. Also, the card has a steep 29.99% APR that may kick in if you’re more than 60 days without a payment.

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AT&T Access Card From Citi
overall rating
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.99% - 22.99% variable
Annual Fee $0
Rewards Earning Rate 2 points per dollar at eligible retail and travel websites and on products and services made directly with AT&T. 1 point per dollar on all other purchases.
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. J.D. Power. "2021 US Credit Card Satisfaction Study." Accessed Nov. 9, 2021.

  2. J.D. Power. "2021 U.S. Banking and Credit Card Mobile App satisfaction study." Accessed Nov. 9, 2021.