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AT&T Access Card Review

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If you’re an AT&T customer, you might be considering applying for the AT&T Access Card. This rewards credit card from Citi is loaded with benefits for AT&T customers, but at what cost? In our review of the AT&T Access Card from Citi, we’ll look at all of the pros and cons in order to determine whether this card is worth applying for or not.

AT&T Access Card Review

The most enticing part about the AT&T Access Card is that they offer you a free phone and triple reward points on all online purchases, but are you really coming out ahead in the long run? The annual fee with the AT&T Access Card is $95, which is a bit high. It comes with a 3% foreign transaction fee as well, so don’t plan do making a lot of purchases if you travel abroad with the AT&T Access Card. Still, you get 3 Citi Thank You points for every dollar spent on online purchases and one point for every dollar spent on anything else. When you spend $2,000 within the first three months after sign-up, according to AT&T, you get a free phone. What actually happens is that you have to buy a phone when you sign-up for this card and after you fill their requirements 3 months later, AT&T credits the amount of the phone back onto your card. Still, technically free.

If you do a lot of online shopping, and are an AT&T customer or plan on switching, then this is the card for you. The gifts offered by the Citi Thank You reward point program are pretty diverse and include cash, gift cards, and a variety of merchandise. New applicants also get the EMV chip in their card standard. Three times the points is a pretty great deal, so this card is definitely worth the trouble, but only if you are certain that you can spend the $2,000 within the first three months in order to get your free phone. AT&T will provide you with any new phone you want up to $650 and credit your account as soon as you reach their $2,000 requirement. Lastly, as an added bonus, after spending $10,000 in the first 12 months on any purchases, cardholders are rewarded with 10,000 Citi Thank You points.

As we can see, there are many benefits to having a AT&T Access Card for anyone in the market for a new phone or anyone planning on doing a lot of online shopping in the near future.

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