Citi AT&T Access Card
Basic Information
Program ID: att-access-card-from-citi
Issuer: Citibank
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:43
Last Scraped: 01/15/2026 15:45
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 12 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: The AT&T Access Card from Citi was discontinued for new applications prior to January 2026. As such, there is no current sign-up bonus available for this specific card.
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Online Retail, 2x Online Travel
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Transfer Partners: Aeromexico Club Premier, Air France-KLM Flying Blue, Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, EVA Air Infinity MileageLands, Etihad Guest, JetBlue TrueBlue, Malaysia Airlines Enrich, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Thai Airways Royal Orchid Plus, Turkish Airlines Miles&Service, Virgin Atlantic Flying Club, Choice Privileges, Wyndham Rewards
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 800
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The primary bonus rule for the AT&T Access Card from Citi is the 24-month rule. This rule dictates that you must wait 24 months after opening or closing any card within the same product family (e.g., other AT&T co-branded cards) to be eligible for a new sign-up bonus on this card or another card in that family. This applies even if you did not receive a bonus on the previous card. Citibank generally applies internal application velocity rules, often referred to as '8/65' (no more than 8 applications in 65 days) and '1/8' (no more than 1 application in 8 days) for new credit card accounts. While these are primarily for new accounts, they can indirectly impact eligibility if a user is applying for multiple Citi products. Eligibility also requires a good to excellent credit score, U.S. residency, and being at least 18 years of age.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit, frequent balance transfers without new spend, excessive credit limit increase requests, rapid succession of new account openings, non-organic spending patterns, or suspected fraud.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.5 / 5.0
Top Positive Feedback:
Highly flexible 5% cash back on top spending category, no annual fee, and strong potential for reward optimization when paired with other Citi cards.
Top Negative Feedback:
Limited 5% cash back cap ($500/month), only one bonus category per cycle, and charges foreign transaction fees.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Chase Freedom Flex
- Discover it Cash Back
- Citi Double Cash Card
Card Value Score: 90.0 / 100
Est. Annual Rewards: $420.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0