Category Archives: Bank

AT&T Access Credit Card

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AT&T Access Card from CitiThe 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.

Citizens Bank Clear Value Mastercard Credit Card

Bank,

Introductory 0% APR for 18 months on balance transfers with a new Citizens Bank Clear Value® Mastercard®

Citizens Bank Clear Value Mastercard Credit Card

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.

Disney Rewards Visa Card

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New Disney Rewards Visa card members receive a generous $50 statement credit after their first purchase on the card.

Mickey Mouse credit cardThe rewards keep on coming as each eligible purchase gives you 1% in Disney reward dollars wherever Visa is accepted.

With no annual fee and 10% off on select merchandise purchases of $50 or more at DisneyStore.com and Disney Store retail locations, your Disney experience can be very affordable.

The Disney Rewards Visa card even offers an introductory APR of 0% for 6 months when you use your Disney Rewards Visa Card to book travel through Walt Disney Travel Company for select Walt Disney World and Disneyland Resorts vacations packages, all Disney Cruise Line packages and Adventures by Disney packages, and Aulani, A Disney Resort & Spa, Ko Olina, Hawai’i vacation packages.

Disney Rewards Visa card holders receive both 10% off purchases of select items at Disney retail locations or online and 1% rewards to boot, which adds up to a great deal for Disney fans.

In addition to the 10% Disney discount, when you use your Disney Visa card you get special deals at the following retailers:

  • Save 15% at macys.com plus receive FREE Shipping on your purchase of $99 or more
  • Save 15% on your purchase at Things Remembered
  • Get $25 restaurant gift certificates to some of your favorite restaurants for as low as $5 at Restaurant.com
  • Save 20% on your next bouquet from ProFlowers.com

In addition the Disney Rewards Visa card provides its members free fraud monitoring systems, zero liability on unauthorized use, extended warranty protection, and the buy now – pay later feature.

Apply here for your Disney Rewards Visa Card.