AT&T Access Credit Card
The new AT&T Access credit card from Citi replaces the discontinued AT&T Universal Savings and Rewards Credit Card with ThankYou points.
AT&T offers a sign up bonus and extra rewards on some retail and travel websites paid out as ThankYou Points. However the new card is neither a Visa Card or Mastercard, but part of Citi Retail Services program. Here are some pros and cons of the card.
PROS
- Introductory bonus of 10,000 ThankYou points for opening account
- Two reward points with eligible online retail and travel websites
- Two reward points when buying tablets or phones directly from AT&T
- Presale and VIP events
- No annual fee
CONS
- Not part of the Visa or Mastercard network
- Points lose half their value when redeemed for cash
- Limited selection of redemption options.
RATES & FEES
- 13.99% to 22.99% APR (Annual Percentage Rate) on purchases and balance transfers
- 25.24% APR for cash advances, i.e. when you use the card to get cash at an ATM, plus a 5 % fee ($10 min)
- 29.99% APR if make late payment or if payment is returned
- No recurring annual fee
- Up front 3% balance transfer fee
- 3% foreign transaction fee to purchase items billed outside the United States
VERDICT
The AT&T Access Card does best as a secondary card. For most people other cards may have lower interest rates and better rewards. Not having the features and benefits of a Mastercard or Visa Card family can limit its usefulness in some cases.
Several other credit cards have better introductory offers with no annual fees. Discover It card features generous 5% cash back in useful rotating categories on a quarterly basis. The 3-2-1 cash back rewards of the American Express Blue Cash Everyday card works great for most shoppers.
CITI RETAIL SERVICES
Though Citi Retail Services isn’t a household name, the stores it partners with may be. Here are some of the places who market their credit cards using Citi’s expertise in the credit card industry.
Misplaced my card at home, how do I replace it?
Call AT&T Universal Card Customer Service at 1-800-423-4343 and report it immediately. In case you have monthly recurring payment, such as utility bills or stores, contact them with your NEW AT&T Universal Card number when you receive the replacement card.