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At&t access more card from citi: is it a good deal?



The AT&T Access More card from Citi is a new credit card that offers rewards for online shopping as well as travelling. It is ideal for people who love to do online shopping and who travel frequently. Let us see at some of the important features of the card.


Features of the AT&T Access More card from Citi

  • When you spend $2000 on purchases in the initial 3 months of opening your account, you get $650 credit for purchasing a phone from AT&T, without any contract
  • Purchase APR: 99%, 16.99% or 22.99% (Variable)
  • 3 points per dollar on online purchases made at travel and retail outlets
  • 3 points on products and services that you directly purchase from AT&T
  • 1 point on every other purchase
  • EMV (Europay, Mastercard, Visa) smart chip
  • 3% foreign exchange charges
  • Annual Fee: $95


Among these, the attributes that we like about the AT&T Access More card from Citi are the welcome bonus of $650, decent rewards on purchases, and the EMV technology smart chip. The features that are not worth it are the 3 percent fees on foreign exchange, which makes it a bad option for overseas transactions; and the $95 annual fee is too high and does not justify the rewards.


The AT&T Access More card from Citi is a fantastic card for people who want to buy a new mobile phone with AT&T wireless technology. Apart from this, it is an average credit card, suitable for only current users of AT&T. It does not have any one striking feature that makes it stand out among other rewards credit cards. Moreover, the high annual fee is a big turn off.


On the other hand, AT&T Access More card from Citi is a great card for online shopping with 3 percent rewards rate. You can shop at a variety of websites like Bloomingdales and make travel bookings on sites like Expedia. In addition to this, you get 3 percent cash back, when you make purchases with the use of AT&T wireless phone. But, the 1 one percent reward rate on other purchases makes it unfit for routine expenses.


The sign up bonus is the only feature that can compel you to go for this rewards credit card. It can help you to purchase an iPhone or Android phone. In spite of this, this attribute is not flexible, as it is only for people who are already thinking of buying a new phone with the AT&T carrier. The travel rewards are decent, but you can get better travel benefits with cards like the Chase Sapphire Preferred or Barclaycard Arrival Plus. In online shopping also, AT&T Access More card from Citi does not excel, as you can get much better deals with cards like Citi Double Cash, Discover it, etc.


The bottom line

The AT&T Access More card from Citi is only good for existing customers of AT&T who want to purchase a new phone. Otherwise, the card has an average rewards structure. The high annual fee is not worth it, as other rewards credit cards can offer you better discounts without any yearly fee.

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