At&t Citicard Card Overview and Features

The AT&T CitiCard offers a range of features that make it a compelling choice for those looking for a rewards credit card.

With a rewards rate of 2x points on dining and entertainment purchases, you can earn points quickly and easily.

One of the standout features of the AT&T CitiCard is its sign-up bonus, which can be worth up to 60,000 points.

You can redeem your points for gift cards, travel, or statement credits, giving you flexibility and choice.

The AT&T CitiCard also offers a 0% introductory APR on purchases and balance transfers for 12 months, making it a great option for those looking to save money on interest.

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The Citi AT&T Access card is a ThankYou point-earning card that's specifically designed for AT&T customers. It offers bonus points for purchases at eligible travel and online retail websites.

This card is no longer the premium version it once was, which had an uncapped higher earning rate at online retail. Now, it earns just 2 ThankYou points per dollar spent at AT&T, eligible online retail, and travel websites.

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You can trust the information about this card because Forbes Advisor's credit card editors are committed to unbiased ratings. They use data-driven methodologies to evaluate financial products and companies equally.

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The Citi AT&T Access card earns 1X Point on Other Purchases, which is a standard earning rate for most purchases.

The AT&T Access card from Citi offers a simple reward structure that earns ThankYou points with no published limits. You can earn up to 2 ThankYou points per dollar spent at AT&T, eligible online retail, and travel websites.

To give you an idea of the rewards potential, let's consider the estimated annual spending in bonus categories. According to the estimates, if you spend $1,737 on mobile phone services, $3,185 on travel, and $1,189 on online shopping each year, you'd earn 12,222 ThankYou points.

Here's a breakdown of the estimated rewards:

Keep in mind that these are just estimates, and your actual spending may vary. However, this gives you an idea of the rewards potential with the AT&T Access card from Citi.

If you're looking to transfer a balance to an AT&T credit card, be aware that the APR ranges from 20.24% to 28.24% (Variable).

The balance transfer fee is $5 or 5% of the amount of each transfer, whichever is greater. This can add up quickly, so it's essential to factor it into your decision.

To get a $200 initial rewards bonus, you'll need to meet certain requirements, but the exact details are not specified in this section.

With an AT&T credit card, you can earn a $200 statement credit after spending $1,000 in qualifying activities within the first three months of account opening.

You can earn up to an additional $240 back toward your qualifying AT&T Wireless bills every year after meeting eligible spend requirements.

The balance transfer fee is a significant consideration when deciding whether to transfer a balance to an AT&T credit card.

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Rewards are a crucial aspect of credit cards, and the AT&T Credit Card Rewards are no exception. You can earn a $200 statement credit after spending $1,000 in qualifying activities in the first 3 months of account opening.

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The AT&T Credit Card Rewards program also offers a high rewards rate, with no limit to the amount of points you can earn, and your points will not expire. This means you can earn rewards consistently and use them as needed.

One of the standout features of the AT&T Credit Card Rewards is the opportunity to earn up to an additional $240 back toward your qualifying AT&T Wireless bills every year after eligible spend. This can be a significant perk for frequent AT&T customers.

Here's a breakdown of the rewards potential for the AT&T Access card from Citi:

As you can see, earning rewards is a straightforward process with this card. By spending in the bonus categories, you can earn a significant number of ThankYou points. In fact, according to estimates, a family in the 70th percentile of income could earn up to 32,522 ThankYou points in the first year, worth around $325.52.

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The AT&T CitiCard has its advantages and disadvantages. There are no membership fees associated with this card.

One of the notable benefits is that you can earn 2 ThankYou points per dollar spent at AT&T, eligible online retail and travel websites. This can be a significant advantage for frequent online shoppers.

You'll also receive a 10,000 ThankYou point welcome bonus after $1,000 in purchases within 3 months of account opening. This is a great incentive for new cardholders.

The card also offers flexible payment options, including the ability to choose your payment due date. This can help you manage your finances more effectively.

Here are some of the key pros of the AT&T CitiCard:

The pros of this credit card are definitely worth mentioning.

You can earn 2 ThankYou points per dollar spent at AT&T, eligible online retail and travel websites. This means you'll get rewarded for your daily purchases.

One of the best perks is the 10,000 ThankYou point welcome bonus after $1,000 in purchases within 3 months of account opening. This is a great incentive to start using the card.

You'll also have the flexibility to choose your payment due date, which is super convenient. No more worrying about missed payments!

The card is compatible with mobile wallets, including Apple Pay and Google Pay, making it easy to make contactless payments. This feature is especially useful for busy days when you're on-the-go.

Another benefit is contactless, tap-to-pay payment, which is fast and secure. You can just tap your card on the payment terminal and go.

And the best part? There's no annual fee, so you can enjoy all these benefits without any extra costs.

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The cons of a credit card can be a real downer. No intro APR on purchases means you won't get a temporary break on interest rates.

One of the biggest drawbacks of the AT&T Credit Card is the lack of a no membership fees clause. This can add up quickly.

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The AT&T CitiCard has received 10 reviews from users, with a rating of 3.7 out of 5 on WalletHub.

The card has been evaluated for various cardholder needs, and its highest score is for "Earn Gas Rewards" with a rating of 3.9. However, its editor's rating is 3.0, indicating a neutral opinion.

The Citi Double Cash Card, a popular alternative, has a WalletHub rating of 4.9 and an editor's rating of 5.0. This suggests that it may be a better option for those who want to improve their credit by paying in full each month.

The Capital One QuicksilverOne Cash Rewards Credit Card has a lower rating of 3.9, but its rewards rate is higher, with 1.5 - 5% Cash Back on purchases.

Here's a comparison of the three cards:

As you can see, the Citi Double Cash Card has a higher rating and no annual fee, making it a more attractive option for those who want to earn rewards without paying a fee.

The AT&T Access Card from Citi offers a sign up bonus of 15k+$100.

This card is a relatively new offer, updated in 2020.

The Citi AT&T Access More card, on the other hand, is no longer available.

It's surprising that Citi and AT&T could still improve the sign up bonus for the AT&T Access Card from Citi.

Note that this card is distinct from the discontinued Citi AT&T Access More card.

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The AT&T CitiCard offers a generous sign-up bonus, worth up to $340 in cash or rewards. You can earn 15,000 ThankYou Points (TYP) after spending $1,000 in the first 3 months, plus a $100 statement credit after spending $250 on AT&T in the same timeframe.

To put this in perspective, ThankYou Points are estimated to be worth about 1.6 cents per point. This means your sign-up bonus could be worth around $340, a nice chunk of change.

The card also offers rewards on certain purchases, including 2 ThankYou Points per dollar spent at AT&T and online at retail and travel websites, such as Amazon and Ebay.

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The benefits of this credit card are pretty impressive. You can earn 15,000 ThankYou Points (TYP) after spending $1,000 in the first 3 months, plus a $100 statement credit after spending $250 on AT&T in the first 3 months.

The sign-up bonus is worth around $340, considering that ThankYou Points are estimated to be worth about 1.6 cents per point. That's a significant reward for meeting the spending requirements.

You'll earn 2 ThankYou Points per $1 spent at AT&T and online purchases at retail and travel websites, such as Amazon and Ebay, but not at Apple. This means that if you spend $100 at AT&T, you'll earn 200 ThankYou Points. If you spend $100 at Amazon, you'll also earn 200 ThankYou Points.

The card has no annual fee, which is a big plus. This means you can enjoy the benefits of the card without incurring any extra costs.

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When reviewing credit card terms, it's essential to pay attention to the fine print. This is where the less-than-exciting details about fees and charges are hidden.

The AT&T Access Card from Citi, for example, has an annual fee that's not explicitly stated, so you'll need to look at the terms to find out what you're getting charged.

Be prepared to dig through the cardholder agreement to find out about foreign transaction fees, which are also not clearly listed. You'll need to see your current rates to know exactly what you'll be paying.

Balance transfer fees are another charge you'll need to look up in the cardholder agreement, as they're not clearly stated either.

Cash advance fees are listed as "see terms", which means you'll need to review the agreement to find out what you'll be charged.

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