AT&T Access Card from Citi Review

AT&T Access Card from Citi is a store rewards credit card issued by Citibank. If you're wondering whether AT&T Access Card from Citi is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

• Signup bonus. Offers a signup bonus of 10000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. AT&T Access Card from Citi has a variable purchase APR that ranges from 15.74% up to 24.74%.
• No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. AT&T Access Card from Citi charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

AT&T Access Card from Citi Pros and Cons:

The Good	The Bad
Lower than average purchase APRs. No annual fee. Free access to your credit score. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. AT&T Access Card from Citi reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.	Requires good to excellent credit. Charges a foreign transaction fee of 3%. Charges a 3% balance transfer fee. Does not include many credit card rewards.

Is there a AT&T Access Card from Citi cash back or rewards program?

AT&T Access Card from Citi offers a rewards program to its customers.

AT&T Access Card from Citi Rewards

Rewards rate (all purchases)	1%
Max rewards rate	2%
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	10000
Signup Bonus Spend Requirement	$1000
Signup Bonus Spend Period (months)	3 months

What are the AT&T Access Card from Citi benefits?

AT&T Access Card from Citi provides the following benefits:

• Free Credit Score
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for AT&T Access Card from Citi?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. AT&T Access Card from Citi has lower than average purchase APRs.

AT&T Access Card from Citi has a variable purchase APR that ranges from 15.74% up to 24.74%. The card has a variable balance transfer APR that ranges from 15.74% up to 24.74%. It also has a variable cash advance APR of 26.99% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for AT&T Access Card from Citi?

The following fees apply to AT&T Access Card from Citi:

AT&T Access Card from Citi Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	up to $39
Late Payment Fee	up to $39

Does AT&T Access Card from Citi report your account activity to credit bureaus?

AT&T Access Card from Citi reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for AT&T Access Card from Citi

• Visit the AT&T Access Card from Citi website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.