Reviews AT&T Access Card from Citi review
AT&T Access Card from Citi review

AT&T Access Card from Citi review

Published: July 18, 2017
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Ratings Policy
Retail Rating:
3.8 rating
3.8 rating
3.8 / 5
Rewards Value: 1.0
Annual Percentage Rate: 4.8
Rewards Flexibility: 3.8
Features: 5.0

In a nutshell:

The AT&T Access Card from Citi is an easy way for current AT&T customers to earn points on their monthly phone, cable and internet payments. For others, it won’t be nearly as useful.

Rewards Rate

  • 2:1 online retail, travel websites and AT&T products and services
  • 1:1 other purchases

Sign-up Offer
10,000 ThankYou points if you spend $1,000 in first 3 months

Annual Fee
$0

Average Yearly Savings ($1,325 monthly spend)
$222

APR
14.99-23.99% (variable)

Rewards Redemption

Pros

  • Points don’t expire
  • No limit on how many points you can earn
  • Only 2,500 points required to redeem
  • Wide variety of redemption options, including gift cards, merchandise, travel and cash
  • Redeem points with linked account on Amazon.com and Live Nation
  • Redeem points online or by phone

Cons

  • Travel must be booked through site
  • Good point value only on gift cards and travel

Other Notable Features: Presale and VIP events, price protection, extended warranty, car rental insurance, trip cancellation/interruption protection, damage and theft purchase protection, $0 liability, Citi concierge, flexible payment date, Apple Pay

A retail credit card that rewards double points on AT&T purchases and services, the AT&T Access Card from Citi is a no-brainer for current AT&T customers. Big online spenders will also appreciate the card’s 2:1 earnings on purchases from retail and travel websites.

When combined with no annual fee and a decent sign-up bonus, the card offers savvy cardholders the opportunity to squeeze some extra value out of their rewards by making smart redemption choices.

So-so rewards
The AT&T Access Card from Citi offers an average earnings scheme of two ThankYou points per dollar spent on retail and travel websites, as well as on products and services purchased directly from AT&T. This includes everything from department stores and warehouse store websites, to online travel agencies and hotel or airline websites.

You’ll also earn one ThankYou point per dollar spent everywhere else, including gas stations, grocery stores and restaurants. Note, if you anticipate earning most of your rewards through those types of everyday purchases, you can getter a better rewards rate with the Chase Freedom Unlimited card or the Blue Cash Everyday card from American Express.

Decent APR … for some
Like most retail credit cards, the AT&T Access Card’s APR can range on the high side, meaning less disciplined cardholders could find themselves in trouble when carrying a balance from month to month. That said, the card’s variable interest rate starts at a modest 14.99 percent for cardholders with excellent credit. If your credit history has a few blemishes, you could be sacked with an APR as high as 23.99 percent, making it even more important to pay your bill in full when it comes due. Otherwise, you run the risk of negating your rewards and benefits.

Strong sign-up offer
After spending $1,000 in the first three months, new AT&T Access cardholders collect 10,000 ThankYou points, giving them a good head start on a free flight or discounted hotel stay.

For best value, redeem points for gift cards or travel
Citi ThankYou points can be redeemed in various ways, and each point’s actual value depends on how you use it. While you can use points to buy electronics and other merchandise, trade them in for cash or even shop at partners such as Amazon, Expedia and Live Nation, you’ll get more bang for your ThankYou buck when redeeming points for gift cards or travel purchases.

Doing so allows you to eke out a full 1 cent per point compared to other options — such as the 0.5 cents/point conversion rate you’d get when using your rewards for cash back or statement credits, for example.

On occasion, Citi cardmembers get access to promotional offers that double the value of earned rewards when transferring them to participating loyalty programs. Case in point: From now through Sept. 20, Citi is offering two bonus points for each ThankYou point transferred to the Hilton Honors rewards program.

Impressive Citi benefits
In addition to the ThankYou Rewards program, cardholders receive special fringe benefits offered by Citi itself. Such benefits include Citi Private Pass, a program that offers special ticket-purchase access to thousands of concerts, sporting events, dining experiences and more every year.

Meanwhile, Citi Price Rewind searches for a lower price on registered items paid for with the AT&T Access card at hundreds of online merchants. If the same item is found at a lower price within 60 days of the initial purchase, the difference is refunded to your card automatically.

Other Citi-specific benefits include extended warranty, travel accident insurance, car rental insurance, trip cancellation/interruption protection, damage and theft purchase protection, $0 liability, EMV chip technology and Citi concierge.

Why get it:

  • You have a phone, cable and/or internet plan through AT&T and want to earn rewards just by paying your monthly bill.
  • You can easily spend $1,000 in the first three months to qualify for the 10,000 ThankYou points bonus.
  • You frequently book flights and hotel stays online.
  • You prefer shopping online versus visiting brick-and-mortar retailers.
  • You like a variety of options when it comes to redeeming rewards.
  • You’re looking for a card that comes with travel benefits such as roadside assistance, car rental insurance and travel accident protection. 

How to use it:

  • Spend at least $1,000 in the first three months to earn 10,000 ThankYou points.
  • Redeem rewards for gift cards or travel to get the highest possible conversion rate on points.
  • Open an eligible checking account at your local Citibank branch and enroll it in ThankYou Rewards to earn additional monthly points.
  • Leave the card at home when traveling overseas to avoid paying a 3 percent foreign transaction fee.

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