75,000 Points
Worth $750
After you spend $6,000 on purchases on your new card in your first 3 months of card membership.
- 12%Car Rental (cititravel.com)
- 12%Entertainment (cititravel.com)
- 12%Hotel (cititravel.com)
Annual Fee
$595
Rec. Credit
Excellent
Citi
AT&T Access
This card is built for AT&T customers and moderate online or travel spenders who want simple rewards without paying an annual fee. It works best as a straightforward everyday card for someone who values no foreign transaction fees and a few useful bonus categories more than premium perks.
Welcome Offer
10,000 Points
Annual Fee
$0
Rec. Credit Score
Good
Good For
AT&T customers
All information about AT&T Access has been collected independently by MaxRewards. AT&T Access is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the AT&T Access worth it?
This card is great for...
AT&T purchases
Online shopping
No foreign transaction fees
The AT&T Access is worth a look if you already spend regularly with AT&T and want a no-annual-fee card that also gives a little extra back on online shopping and travel. Earning ThankYou points at a value of about 1 cent each keeps the math simple, so this card is easy to understand and easy to keep.
For most readers, the tradeoff is that the rewards are solid but not especially strong outside its 2x categories, and there are no meaningful added benefits to lift its value. If your spending lines up with AT&T, online purchases, and some travel, it can be a useful low-cost option. If you want richer rewards, broader bonus categories, or card perks beyond points earning, you will likely outgrow it.
MaxRewards Verdict
A sensible fit for AT&T loyalists who want a no-fee card with a few practical bonus categories. Its main limitation is simple: beyond those categories, it is a basic ThankYou points earner with little else attached.
Welcome Offer
10,000 Points
after you spend $1,000 on purchases on your new card in your first 3 months of card membership.
Est. Value
$100
Required Spend
$1,000
Time Frame
3 Months
Est. Value
$100
Required Spend
$1,000
Time Frame
3 Months
Earning
Rewards
This card earns ThankYou points in a simple way, with elevated rewards on AT&T purchases, online shopping, and travel, then 1x on everything else. The key question is whether those 2x categories match where you actually spend most often.
CategoryRate
AT&T
2%
Online Shopping
2%
Travel
2%
Everywhere
1%
Rewards percent based on a valuation of 1¢ per ThankYou® point
Eligibility
Recommended Minimum Credit
Min: Good
Poor
Fair
Good
Excellent
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Purchase APR
14.24% - 23.24%
Variable
Transfer APR
14.24% - 23.24%
Variable
Cash Advance APR
25.49%
Variable
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Citi
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75,000 Points
Worth $750
After you spend $5,000 on purchases on your new card in your first 5 months of card membership.
- 2%American Air
- 2%Car Rental
- 2%Gas
Annual Fee
$99
Rec. Credit
Excellent
70,000 Points
Worth $700
After you spend $7,000 on purchases on your new card in your first 3 months of card membership.
- 10%Car Rental (aa.com/cars)
- 10%Hotel (aa.com/hotels)
- 4%American Air
Annual Fee
$595
Rec. Credit
Excellent