AT&T Access Card from Citi Review

This 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 review will provide you with with all the details you need to make a good choice.

• 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 13.99% up to 22.99%.
• 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 3% on balance transfers. For example, a balance of $1,000 could cost $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.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

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

Does AT&T Access Card from Citi have a cash back or rewards program?

AT&T Access Card from Citi is a rewards card.

AT&T Access Card from Citi Rewards

Minimum rewards rate	1x
Max rewards rate	2x
Annual rewards limit	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?

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 13.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 22.99%. It also has a variable cash advance APR of 25.24% . 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:

AT&T Access Card from Citi Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

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

Yes, 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 may help improve your credit.

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