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AT&T Access Card from Citi®

Type

Personal

Credit Rating

Good

Annual Fee

Reward Type

Rewards Points

SigUp Bonus

Yes

Main Credit Card Features

Rewards

No Annual Fee

How rewards points credit cards work

Point rewards lets you earn points on every purchase you make with your rewards credit card. Credit card points stay in an account until you redeem them within the credit card’s portal. Your points can be used for gift cards, cash back, a statement credit, or travel, hotel, and other rewards.

Using your credit card points for travel allows you access to many different airlines. You could purchase your ticket with points, or use them to upgrade your experience to business or first class. When you use your points at a hotel, you can pay for your room, move to an upgraded room, or purchase other amenities as specified. Some cards allow you to redeem your points for cash back, either in the form of a check or a statement credit. Other programs let you purchase goods, services, and gift cards through their rewards portal. These items may be listed at discounted prices compared to retail stores, and cost you less to purchase this way.

If you’re chasing sign-up bonuses, looking to upgrade your travel experience, or want to maximize your rewards, points are best. Travel using points is subjected to blackout dates just like airline miles. You also have less redemption options, and less flexibility to use the point than with straight cash back. The value of your points depends on if the redeemed item is on sale. You risk your points being devalued in the process. Due to this, it can be a little complicated using points sometimes.

How No Annual Fee Credit Cards Work

A no annual fee credit card is excellent as a backup credit card as you don’t need to pay to maintain it. You might need a backup credit card if your primary one got lost or stolen. Another benefit of a no annual fee credit card is that you can improve your credit to debt ratio if you don’t use it consistently. You may also consider this card if you are looking for a specific perk.

AT&T Access Card from Citi® Fees and rates

Annual Percentage Rate (APR)

APR for Purchases 15.49% to 24.49%

APR for Balance Transfers 15.49% to 24.49%

APR for Cash Advances 26.74%

Minimum Interest Charge no less than 50 cents

Grace Period 23 days

Transaction Fees

Balance Transfer Transaction Fee

Either $5 or 3% of the amount of each transfer whichever is greater

Calculate your potential balance transfer fee after months

Cash Advance Transaction Fee

Either $10 or 5% of the amount of each cash advance whichever is greater.

Calculate your potential cash advance fee

Foreign Transaction Fee

3% of each purchase transaction after it's conversion into US dollars.

Foreign Purchase Transaction Fee

3% of each purchase transaction in US dollars.

Penalty fee

Late Payment Up to $39

Returned Payment Fee Up to $39

Overlimit Fee None

Penalty APR MAX 29.99

Data Accuracy: We manually collected the data on credit card from official website of Citi® Bank. hen collecting the data, we make the best effort to be as accurate as possible, but the information is not guaranteed. We advise you visit Credit Card issuer’s website for the latest info. Empty fields indicate that information isn't available to financialfreedom.com team. Full terms and conditions. None of the information here was endorsed or reviewed by Credit Card issuer.

AT&T Access Card from Citi® Reward Program

Earn 2 Points for every $1 you spend on purchases made online at eligible retail and travel websites.
Earn 2 Points for every $1 you spend on products and services purchased directly from AT&T. You earn 2X points on AT&T purchases like a new tablet or accessories for your phone.
Earn 1 Point for every $1 you spend on other purchases. You also earn points with this AT&T credit card for pumping gas, buying groceries or making any other purchase with your card.

Main Rewards Category 1 Travel

Sign Up Bonus: Earn 10000 Bonus Points after you spend $1000 in purchases within 3 months of account opening

Limit to the Amount of Rewards No Limit

Redeem My Rewards

Redeem your points for exciting rewards like gift cards travel rewards electronics and more. You can browse our huge rewards network at citi.com/att. Choose “rewards home” in the drop-down menu to view and redeem your rewards.

Automatic Redemption Preference No

Rewards Program URL https://www.citi.com/credit-cards/additional-info/citi.action?ID=AdditionalInfo-AttAccess

Rewards Expire No

Fee Benefits

Insurance Benefits

Credit Score Needed For AT&T Access Card from Citi®

Your best chance of being approved for this credit card involves having a credit score 651 - 750. Having your credit score in this range does not guarantee approval. There are still other factors besides credit score that determine if you will qualify for this card.

750

DISCLAIMER: For the educational purposes at FinancialFreedom.guru we use FICO® Score 8 scale system to estimate recommended Credit Score. There are many other scoring systems that a particular lender might use. A credit score is only one of the factors that lenders take into account and the recommended score does not guarantee approval.