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AT&T Access More Credit Card: More Rewards, More Options

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The AT&T Access More Card from Citi has been discontinued, and this page is out of date. See NerdWallet’s best rewards credit cards for other offers.

The brand-new AT&T Access More Card from Citi can offer you a free phone and triple rewards on online purchases. Read on for the lowdown on this credit card — the good and the bad, as well as the alternatives — to decide if this newcomer is for you.

At a glance
Annual fees The annual fee is $95
Foreign transaction fee 3% of each purchase transaction in U.S. dollars
Rewards program ThankYou points: 3X points on purchases made online at retail and travel websites, 3X points on products and services purchased directly from AT&T, 1 point per dollar spent on all other purchases
Signup bonus Spend $2,000 in the first three months of card membership to get a free phone from AT&T. Here’s how it works: Use your card, now or later, to buy a new phone from AT&T through a unique referral link, at full price with no annual contract. Citi will credit your card account for the price of the phone (up to $650, net of taxes and fees) after hitting the spending requirement.
Verdict: Good option for big online shoppers and AT&T customers, but there are better options for cash rewards and different spending profiles.
Good for:
  • Someone in the market for a new phone
  • Someone who does a lot of online shopping
  • AT&T customers
Bad for:
  • Someone who primarily shops online during the holiday season
  • Someone who spends more on experiences than things
  • Someone who wants straightforward cash rewards

In this article:

AT&T Access More Card from Citi: The basics
Where the AT&T Access More Card from Citi shines
How to get the most value out of your ThankYou points
Where the AT&T Access More Card from Citi falls short
The bottom line: Should I get the AT&T Access More Card from Citi?

AT&T Access More Card from Citi: The basics

Earn 3X points on online purchases from retail and travel websites, 3X points on products and services purchased directly from AT&T, and 1 point on every other $1 spent. Rewards earned with the AT&T Access More Card from Citi are ThankYou points, which can be redeemed for a multitude of rewards — including cash back, gift cards, travel, merchandise and more. The card’s annual fee is $95.

Like all of Citi’s consumer cards, the AT&T Access More Card from Citi has EMV technology for more secure transactions in the United States and abroad.

Where the AT&T Access More Card from Citi shines

Credit cards are great credit-building tools, but most people are drawn to the perks. Here’s what you’ll get with the AT&T Access More Card from Citi.

Cool signup bonus. The AT&T Access More Card from Citi’s signup promotion isn’t your typical cash or travel bonus. If you spend $2,000 in the first three months of card membership, you can get a free phone from AT&T. Here’s how it works: Use your card, now or later, to buy a new phone from AT&T through a unique referral link, at full price with no annual contract. Citi will credit your card account for the price of the phone (up to $650, net of taxes and fees) after hitting the spending requirement. Not a bad perk if you’re in the market for a new phone.

Feel free to make your phone purchase in the first three months — it will count toward the $2,000 spending requirement.

Extra rewards on online purchases and AT&T spending. Big online shoppers can net high rewards on purchases from their favorite e-tailers with the AT&T Access More Card from Citi. It offers triple points on online purchases from retail and travel websites. And AT&T devotees can cash in with triple points on service and product purchases directly from AT&T. Since many cards on the market cap rewards at 1-2%, this is a great value proposition for the right spender.

Flexible points redemption. The AT&T Access More Card from Citi rewards users with ThankYou points, which can be redeemed for a wide variety of rewards, including gift cards, cash, travel, merchandise, debt payments and more. This is great for consumers who want options when it comes to rewards redemption. But not all rewards are created equal, as you’ll read below.

Anniversary bonus. Everyone loves extra rewards, and you’ll get them when you spend $10,000 a year with your AT&T Access More Card from Citi. There’s a 10,000 point anniversary bonus when you spend $10,000 or more in the prior cardmembership year. That could get you $100 in gift cards, and is essentially one extra ThankYou point per dollar on the first $10,000 you spend each year.

How to get the most value out of your ThankYou points

The value of a ThankYou point depends on the redemption method you choose. To get the most out of your points, you should aim for rewards that equate to 1 cent per point redeemed. Here are rewards options with this redemption rate:

  • Gift cards: Most gift cards can be redeemed at 1 cent per point, starting at 2,500 points for a $25 gift card.
  • Student loan or mortgage payments: Pay down your debt with points. You can use your ThankYou points at a rate of 1 cent per point, starting at 2,500 points for a $25 debt payment.
  • Travel: Your points are worth a cent each when you use them to book travel through Citi’s Travel Center, or you redeem them for car rental certificates at Avis or SIXT.
  • Charitable contributions: Donate your points to charitable causes at a rate of 1 cent per point. Redemption starts at 2,500 points for a $25 donation.

There are other redemption options, but your ThankYou points won’t go as far. For instance, you’ll only get half a cent out of each point if you redeem for cash or statement credit.

Where the AT&T Access More Card from Citi falls short

No card is perfect for everyone, including the AT&T Access More Card from Citi. If you fit one of the below profiles, you may want to consider these options, instead.

Someone who primarily shops online during the holiday season

The AT&T Access More Card from Citi can be very rewarding for online shoppers, but if you do most of your e-shopping from October to December, the Discover it® - Cashback Match™ will likely net you higher rewards.

The Discover it® - Cashback Match™ offers 5% cash back on rotating bonus categories, up to $1,500 spent per quarter. Historically, the fourth-quarter bonus categories include online shopping. So if you save up your online shopping until October-December, you can get up to $75 in cash rewards.

That’s not the only reason the Discover it® - Cashback Match™ is a great option for online shoppers. Its online bonus mall, Discover Deals, is a favorite among the Nerds. It offers 5-20% cash back on purchases from your favorite e-tailers, which can be stacked on top of your bonus category rewards for even more rewards when you shop online.

The Discover it® - Cashback Match™ has an annual fee of $0 and no foreign transaction fees. It has an introductory APR of 0% on Purchases and Balance Transfers for 14 months, and then the ongoing APR of 11.99% - 23.99% Variable APR, if you need extra time to pay off a big purchase. Cardholders will get access to their free FICO score online, on the mobile app and on monthly statements.

Someone who spends more on experiences than things

If you prefer to spend on dining out and entertainment, instead of on the many products you can pick up online, you may want to consider one of the other Citi ThankYou cards — namely, the Citi ThankYou® Preferred Card.

The Citi ThankYou® Preferred Card offers 2 points on entertainment and dining at restaurants, and 1 point on every dollar spent on everything else. There’s an annual fee of $0 and an introductory APR of 0% on Purchases and Balance Transfers for 12 months, and then the ongoing APR of 14.49% - 24.49% Variable APR.

Someone who wants straightforward cash rewards

With the AT&T Access More Card from Citi’s low redemption rate for cash rewards, we recommend you look elsewhere for cold, hard cash. One of our favorite cash-back cards is the Capital One® Quicksilver® Cash Rewards Credit Card.

The Capital One® Quicksilver® Cash Rewards Credit Card offers 1.5% cash back on every purchase and a tidy signup bonus: One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening. You can redeem your rewards in any amount, at any time as a check or statement credit.

The card’s annual fee is $0, and there are no foreign transaction fees. If you need some time to pay off initial purchases, the Capital One® Quicksilver® Cash Rewards Credit Card offers an APR of 0% on Purchases and Balance Transfers for 9 months, and then the ongoing APR of 13.99% - 23.99% Variable APR.

The bottom line: Should I get the AT&T Access More Card from Citi?

The AT&T Access More Card from Citi is a good card for those who spend big on online purchase, as well as AT&T products and services. You can get a free phone if you hit the spending requirement and you’ll enjoy an anniversary bonus when you spend $10,000 in a year.

That said, people who spend more on other types of purchases should opt for a card that meets their spending needs better. Also, due to low redemption rates for cash rewards, those who want cash back should look elsewhere for their next card. Consider our card recommendations above if you think you’d benefit more from a different card on the market.

Erin El Issa is a staff writer covering personal finance for NerdWallet. Follow her on Twitter @Erin_Lindsay17 and on Google+.

Image via iStock.