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AT&T Access Card from Citi: review

The AT&T Access Card from Citi is Citi’s cobranded card offered in partnership with AT&T. The card offers 3 ThankYou points per dollar spent at AT&T (through Dec. 31, 2021, then 2 points), 2 points per dollar spent on eligible travel and online retail websites and 1 ThankYou point per dollar spent on all other purchases.

Pros & Cons


  • Earn 2 ThankYou points per dollar spent at AT&T, eligible online retail and travel websites
  • Earn a 10,000 ThankYou point welcome bonus after $1,000 in purchases within 3 months of account opening
  • Choose your payment due date
  • Compatible with mobile wallets, including Apple Pay and Google Pay
  • Contactless, tap-to-pay payment
  • No annual fee


  • Category bonuses could be more generous
  • No premium features, such as mobile phone protection

Rates, fees & offers

  • Annual fee: $0
  • Bonus offer: Earn a 10,000 ThankYou point welcome bonus after $1,000 in purchases within 3 months of account opening
  • Intro APR: 
  • Ongoing APR
    APR: 13.99% – 22.99% Variable APR
    Penalty APR: up to 29.99%
    Cash Advance APR: 25.24%
  • Balance Transfer fee: either $5 or 5% of the amount of each transfer, whichever is greater
  • Foreign transaction fee: 3%


Redeem Your Points

Easily redeem points for exciting rewards like gift cards, travel rewards and more.

You can either visit where your rewards are just a few clicks away, or you can redeem points by calling 1–800–THANKYOU (1–800–842–6596). (TTY: Use 711 or other Relay Service).

You can also browse our huge rewards network at Choose “rewards home” in the drop-down menu to view and redeem your rewards.


  • Digital Wallets: Digital Wallets let you shop with confidence in millions of places online, within apps and in stores.
  • Tap Your Card with Contactless Pay: Shop safely with a contactless-chip enabled card. Just tap your card on the payment reader and go in seconds.
  • Choose Your Payment Due Date: Choose to pay your bill on any available due date in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.

Citi Entertainment®

Citi Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, dining experiences and more.

How to request this card

Applying for a credit card is very simple and you can do it through the app or website. But you need:

  • Social Security Number
  • Gross income
  • Employer name (if applicable)
  • Rent/mortgage amount

Did you like this card? Click on the button below and get yours right now.