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.
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
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
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.
Introductory 0% APR for 18 months on balance transfers with a new Citizens Bank Clear Value® Mastercard®
There is however an upfront 3% balance transfer fee, with a minimum charge of $10.
The Citizens Bank Clear Value® Mastercard® credit card, previously issued by Charter One Bank is available at no cost to you for purchases online or your favorite stores.
Features of the Clear Value® Mastercard®
ID theft protection for peace of mind 24/7
Extended warranty protection
Travel accident and baggage delay insurance
Zero liability for unauthorized activity on the credit card
Contactless purchases on select terminals
Other perks include:
No Annual Fee
21-day, interest-free grace period on purchases
Free Online Account Access – 24 hours a day, 7 days a week
No returned payment fees
No over-the-credit limit fees
Year-End Account Summary
About Citizens Financial Group
In 1828, Citizens Financial Group got its start as a small community bank called the High Street Bank in Providence, Rhode Island.
Citizens Financial Group, Inc. is a $132 billion commercial bank holding company, which is headquartered in Providence, RI, and through its subsidiaries has more than 1,500 branches, approximately 3,900 ATMs and more than 20,900 employees.
It operates its branch network in 12 states and has non-branch retail and commercial offices in about 40 states.