AT&T Access More Card from Citi®
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Editor’s note: This offer is no longer available.
The AT&T Access More Card from Citi is a great choice for AT&T customers because you’ll get 2x the points when you use your card to pay your AT&T cell phone and internet bill and when you purchase AT&T products. There’s no annual fee so you don’t have to worry about losing money if you don’t rack up the rewards points.
Overall, the AT&T Access More Card from Citi is an average card that offers low fees and run-of-the-mill rewards, unless you’re an AT&T customer or big online shopper. What stands out the most is the introductory offer coupled with no annual fee. For new cardholders that means 10,000 extra points after making $1,000 in purchases within 90 days.
The point value for this card is less than what you would get from some other Citi cards, like the Citi Prestige Card and the Citi Premier Card. Here one point equals one cent across the board, whereas the other cards value one point at 1.33 cents and 1.25 cents, respectively, depending on how they’re redeemed.
For AT&T customers, the you’ll earn points just for making payments on cell phone, cable and internet bills – money you would be spending anyway. You can also earn 2x points through some online retailers. All other purchases will get you 1 point per dollar.
If you spend a lot at the grocery store, then the Blue Cash Everyday Card from American Express is a much better option as you’ll earn 3x points per dollar. The Discover it® Cash Back is a smart choice for people who are focused on getting as many points as possible. With this card, you can get up to 5% cash back in bonus categories — the only drawback is that you have to keep track of their bonus calendar or you’ll miss out on the big rewards.
Other extras include some standard Citi card benefits like price protection; the Citi Private Pass, which gives you access to exclusive events; and Worldwide Travel Accident Insurance.
Who should get this card
AT&T customers who want to earn points for payments they’re already going to make.
Fees and APR
- This card doesn’t come with an annual fee.
- The APR is between 14.99% and 23.99%.
- The APR for balance transfers is between 14.99% and 23.99%.
Extras, perks and using points
There’s a generous sign-up bonus of 10,000 points after making $1,000 in purchases within 3 months opening the account.
You can earn 2x points on purchases made online at eligible retail and travel websites and on products and services purchased directly from AT&T.
Earn 1 Point for every $1 you spend on other purchases.
You can redeem your points for gift cards, travel rewards, electronics, and more.
The Citi Private Pass is an entertainment perk that allows customers to purchase presale tickets and VIP packages to concerts, sporting events, and dining experiences. You can also receive complimentary movie screenings.
The Citi Price Rewind is a free service that searches for a lower price on the registered items you pay for with your Citi card. If the same item is found at a lower price within 60 days of your initial purchase date, you may receive the difference.
Cardholders will have access to the Citi Concierge, which is a complimentary service that can help with your travel, shopping, dining, entertainment, and everyday needs.
How this card compares
When it comes to rewards value, the Citi Double Cash Card ranks among the very best cash-back credit cards that charge no annual fee.
Why doesn’t this card receive a higher score from Bankrate? Because Citi Double Cash offers no sign-up bonus, it struggles to compete with many cards in this category.
In the long term, the Citi Double Cash Card may earn you more rewards. The card earns an unlimited 1% cash back when you make a purchase and another 1% back when you pay for those purchases. You may find this nets you more cash-back overall as there’s no ceiling on what you can earn back.
The Chase Freedom card is fee-free and offers rotating bonus categories that pay 5% back, with a cap of $1,500 in each category and an unlimited 1% back on everything else. You also have to sign-up each quarter to get the bonus. An advantage of this card over Discover’s rotating bonus category cash-back cards is that it’s a Visa, which is more widely accepted than the Discover card.
Chase Freedom Unlimited is a solid, straightforward cash-back rewards card that’s ideal for cardholders who just don’t have the time or energy to track spending categories. It ranks among the very best cash-back credit cards we track.
There are other cards that offer better rewards, but the Freedom Unlimited’s 1.5% cash back on everything is an excellent reward coming from a no-annual-fee credit card.
Depending on your spending habits, the no-annual-fee Blue Cash Everyday Card from American Express may ultimately give you better cash-back earnings with a rate of 3% at U.S. supermarkets, 2% at U.S. gas stations and select U.S. department stores, and 1% on all other spending.