Details Of The New AT&T Access More Mastercard From Citi

Filed Under: Citi, Credit Cards
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Update: These offers for the Citi Prestige® Card and the Citi Premier℠ Card have expired. Learn more about the current offers here.

Citi has just introduced yet another credit card, which has the potential to be a game-changer for frequent online shoppers. The new card is called the AT&T Access More Mastercard® from Citi, which has a $95 annual fee.

On the surface a credit card from a cell phone provider sounds like the most unappealing thing imaginable, but once I looked at the details I was really pleasantly surprised.

Let’s break it down:

AT&T Access More Mastercard® from Citi sign-up bonus

The sign-up bonus on the card will be worth $650 to some, and virtually nothing to others:

  • Spend $2,000 in purchases with your AT&T Access More Card within 3 months of account opening.
  • Use your card, now or later, to buy a new phone from AT&T, at full price with no annual contract.
  • Make your phone purchase using your unique phone offer link (which will be provided to you), activate and maintain service with AT&T for 15 days. If you buy a new phone now it will count toward the $2,000 in qualifying purchases!
  • Citi will then credit your AT&T Access More Card account for the cost of the phone up to $650 (exclusive of taxes, shipping, fees & wireless service).

So basically you spend $2,000 within three months and then you get up to $650 towards a new AT&T phone that you buy out of contract at full price. Obviously that won’t be useful to everyone, though the timing of this sort of sucks, because I recently bought an iPhone out of contract, so the savings would have been nice.

That being said, what sets this card apart isn’t the sign-up bonus, but rather the return on everyday spend.

AT&T Access More Mastercard® from Citi rewards structure

Despite the AT&T branding, this card actually accrues ThankYou points as the rewards structure. That’s right, the points earned through this card can be pooled with those earned through the Citi Prestige® Card and Citi Premier℠ Card.

The rewards structure on the card is as follows:

  • 3 ThankYou Points for every dollar you spend on products and services purchased directly from AT&T
  • 3 ThankYou Points for every dollar you spend on purchases made online at retail and travel websites
  • 1 ThankYou Point for every dollar you spend on other purchases
  • 10,000 bonus point after you spend $10,000 in the prior card membership year


I highlighted that second bullet point for a reason. Using the AT&T Access More Mastercard® from Citi, you can earn 3x ThankYou points for every dollar online at retail websites.

For the purposes of the card retail websites are defined as follows:

Retail websites are websites that sell goods directly to the consumer through an online website and include department store websites, specialty store websites, warehouse store websites and boutique websites.

I don’t know of any other “useful” card which offers year-round bonus points for online retail purchases. Given how many people do virtually all their shopping online nowadays, this bonus category has the potential to be huge for some.

The 10,000 point anniversary bonus also more than helps offset the annual fee. So if you do $10,000 of online shopping at retailers each year, for example, you’d earn a total of 40,000 ThankYou Rewards points.

Increase the value of your points with the Citi Prestige® Card

The points earned on the AT&T Access More Mastercard® from Citi are “traditional” ThankYou Rewards points which can be redeemed towards the cost of an airline ticket, gift card, etc. However, in conjunction with the Citi Prestige® Card and Citi Premier℠ Card, those points can be transferred to one of the ThankYou Rewards airline partners, like Singapore Airlines KrisFlyer:

Air France/KLM Flying BlueN/A
Avianca Lifemiles
Cathay Pacific Asia Miles
EVA Air Infinity MileageLands
Etihad Guest
Garuda Indonesia Frequent Flyer
Jet Airways JetPrivilege
JetBlue TrueBlue
Malaysia Airlines Enrich
Qantas Frequent Flyer
Qatar Airways Privilege Club
Singapore Airlines KrisFlyer
Thai Airways Royal Orchid Plus
Turkish Airways Miles & Smiles
Virgin Atlantic Flying Club

Citi TY

Furthermore, if you have the Citi Prestige® Card then you can convert the points from other cards accruing ThankYou points to it, and in turn can redeem each point for 1.25 cents towards the cost of an airline ticket. In other words, if you have both the AT&T and Prestige cards, then you can earn 3.75% towards the cost of airfare for all your online shopping at retailers (and potentially even better than that when you factor in the 10,000 point anniversary bonus for spending at least $10,000).

Bottom line

If you have a pretty “average” consumer profile then I think the Citi Prestige® Card and Citi Premier℠ Card are still going to be your best options, especially since they accrue “premium” ThankYou Rewards points. That being said, if you do a lot of shopping at online retailers, the AT&T Access More Mastercard® from Citi has huge potential.

If you’re big into shopping with online retailers, does the AT&T Access More Mastercard from Citi interest you?

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  1. It doesn’t say WHICH phones will be eligible for the $650. Wonder if the iPhone will be one of them…

  2. Lucky,
    won’t you think chase ink plus would be a better option for people who do not have either card?
    although CIP has higher minimum spend, it gives better sign up bonus with first year fee waived.
    and you get 5x on paying at&t bill, not to mention better transfer partners.

  3. Under the “contrast and compare” rubric, you might also look at the Discover Card (no annual fee), which for 2015 and the last several years has had a flat 5% back on essentially all on-line shopping . . . unfortunately capped at $1,500.

  4. Interesting. I assume amazon purchases would qualify as online retailers. Currently i buy amazon gift cards @ office depot w/ a chase ink for 5x. But that’s kinda a pain. I wonder if things like online food orders would count like bitesquad or eat24. Or how about online food delivery from services like blue apron or plated. Or for that matter online grocery delivery…you can move a lot of your spending online if necessary.

  5. So is this 3x at Amazon? That is perhaps the best non-quarterly- bonus of any card, no?

    Anyone know how Google Shoping Express purchases post as would those be 3x as well?

  6. Are you sure the TY points can be pooled with the prestige or premier? I’ve read that my TY points from my citi forward card can not be pooled with them. I’m not sure what makes some TY points pool able and others not.

  7. Curious to see how this works in the real world with the Mobile Shared Value plans. They now charge more for line access if you are not on a NEXT plan. So you either end up paying full retail for the phone (over 18 or 24 mos) or almost as much in higher fees if you bring your own phone or purchase elsewhere.

  8. The subsidy benefit of a two-year agreement is $450. The value of this offer is $555 ($650-$95). I get a 22% discount through my employer. Buying my phone outright would reduce the dollar amount of that discount. Also, AT&T unlocked my iPhone 6 immediately after purchase. I’d be interested in an analysis justifying paying full price for a phone.

    I can get the equivalent of at least 2% on my everyday spend from other cards. I can also get 5% on my online spend for the 4th quarter every year with Discover (I plan my large purchases).

  9. Pretty good offer, but pretty lousy company. Having dealt with AT&T far more often than I’d like to over the years, I have absolutely no desire to do business with them again, given the choice. I certainly wouldn’t sign up for phone service with them, even if it were only for 15 days.

    Don’t forget that per their phone unlocking policy, the account associated with the device has to be active for at least 60 days in order to get that phone unlocked.

  10. @Charlie: ATT only charges you a higher line access fee ($40) if you acquire a phone from them via a 2-year contract and getting a phone subsidy (i.e. Iphone 6 for $199). If you BYOP or get the phone through the NEXT plan, your line access fee is $15, not $40.

  11. Dom is correct about the 2 year subsidy benefit. But the catch on Mobile Shared Value plans is that they charge a $40 per line fee (instead of $15), negating any subsidy value.

    So the details are in the fine print on this offer. Is it a FULL ACTUAL $650 value? Or is it a $199 subsidized value with the other $450 collected on the back end in higher monthly line access fees?

  12. We really gotta see what is the definition of an online retail website. Do AMEX gift cards count?

  13. Oh wow, I am due for a new iPhone and am an ATT customer (going on 20 years now). Plus, I order more stuff on Amazon that I would like to admit…. only the concierge at the front desk of my condo building knows the truth. 🙂

    I just applied and was approved for the Prestige, and was going to apply for the Premier in 8 days…. but maybe I should go for this first? But the Premier bonus might go away. What to do, what to do….

  14. @ Lauren — Since this card was just introduced into the market, I’d guess this bonus will be around for at least 65 days. Ultimately I think you can’t go wrong either way. I get the sense all these bonuses are around to stick for a while, though I can’t guarantee it.

  15. @ Daniel — The list hasn’t been published yet, though I’m guessing we’ll find out pretty soon.

  16. @ AdamH @ Bkylnite — Assuming that’s how they’re categorized under their merchant contract, then you should be good to go. Don’t have any firsthand experience with either, though.

  17. @ steven k — To be clear, the selling point of this card isn’t that you get 3x points on AT&T purchases (I agree that’s not exciting), but rather that you get 3x points with purchases at online retailers. There’s not really another card which offers that good of a bonus in that category.

  18. Well, if it’s just Amazon people care about then the no annual fee Amazon card from chase gives you the 3%.

  19. Upromise Master card gives 5% cash back for all online shopping done thru the Upromise portal. That is in addition to the 5% you get for shopping thru the Upromise portal. Then you get another 10% for having Sallie Mae savings account and transferring your cash back to your savings account. That adds up to a nice 11% cash back.

  20. @ Charlie your comment makes things more confusing than it needs to be. It clearly says for you to pay full price for the phone and be reimbursed up to $650, after this you’ll be qualified for the no annual contract discount bringing it down to $15.

  21. Really want a BlackBerry Passport but won’t pay $550 for it. Would definitely like Citi to buy one for me though…

  22. I wonder how long after you complete the $2000 spending you have to buy the phone. If you’re an iPhone user, the next iteration probably won’t come out until around October.

    One of the benefits of having a full-priced phone is that you can get it unlocked without any fuss, and it’s great for traveling when you want to stick an international SIM in there.

  23. Amol, I found these terms buried in the T&C of the AT&T Access Promo. (You get there by following your special link from to redeem the offer and then go to the T&C on AT&T’s site.)

    “General Offer Terms: Offer is valid for a one time statement credit up to $650 for one eligible phone, is not transferrable [sic] and does not expire. Offer is not combinable with other discounts on devices. If you close your account prior to redeeming your credit, the credit is forfeited.”

  24. I have a question. I got the AT&T Access more card a few months ago. I was an existing AT&T member and I was able to get reimbursed for a brand new iphone out of contract. Then I sold that iphone on Craigslist for a profit and signed a new two year contract with AT&T for the same phone at a discounted price. I currently have Citi Thank You points accumulated on the card. Am I able to transfer those points to airlines? Or do I need a different Citi card in order to use these existing points for airline transfers? If so, which current Citi card would I be able to sign up for to do this? Preferably one without a huge yearly fee.

  25. I changed a Premier card for an ATT Access More card and now waiting on the ATT card. I only did this to get the 3x TY points. I can pay about $7000 per month through Plastiq. If those bills turn into TY points then that would be 252,000 TY per year for just paying my bills. Plastiq would charge me $2100, so the cost of these points would be $.0087 per point. Not bad if this works out.

    Just wondering what other people’s experience has been with getting triple points for things paid with Plastiq.

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