AT&T Access Card from Citi Review

AT&T Access Card from Citi is a store rewards credit card issued by Citibank. 

This card is designed for people with good credit. The minimum credit score to apply is 700. 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.

Pros & Cons of AT&T Access Card from Citi

The Good	The Bad
Lower than average purchase APRs. No annual fee. Cardholders can earn rewards on their purchases. Free access to your credit score. Earn rewards on every purchase. AT&T Access Card from Citi reports to multiple credit bureaus.	Charges a foreign transaction fee of 3%. 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.

AT&T Access Card from Citi Balance Transfers

Description
Balance Transfer APR	15.74% - 24.74%
Introductory Rate	N/A
Intro APR period (months)	N/A

AT&T Access Card from Citi Rates & Terms

Description
Balance Computation	daily balance (including current transactions)
Purchase APR	15.74% - 24.74%
Credit Limit	N/A
Penalty APR	29.99%
Cash Advance APR	26.99%
Security Deposit	N/A
Introductory Rate	N/A
Intro APR period (months)	N/A

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

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%
Balance Transfer Fee	3%
Minimum Balance Transfer Fee	$5
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.