Citi AT&T Access Card Calculator

Review the details of the Citi AT&T Access Card, calculate how many ThankYou Points you can earn, and compare results side by side top cards.
Updated 2020-06-18 By Robert Flowers III

The Citi AT&T Access Card rewards those who spend money on products and services with AT&T as well as provides bonus points for online retail and travel spending. The card overall is a solid option for anyone looking to earn ThankYou Points across a nice set of categories, but the earning structure is outshined by the Citi Double Cash which now has the ability to earn the equivalent of 2x ThankYou Points when converted from cash.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The AT&T Access Card features 3 bonus categories that earn bonus ThankYou Points. Those categories are AT&T products & services, select retail websites, and travel websites. There's no limit to the amount of bonus points you can earn spending in these bonus categories and no limit to the amount of points you can earn with the card overall.

  • 2x AT&T Products & Services
    • Services include monthly phone, cable or internet bills directly with AT&T.
    • Products include things like a new tablet or accessories for your phone purchased directly from AT&T.
  • 2x Retail Websites
    • Specific to online/website spend; In-store spend will not earn at the bonus rate.
    • Eligible purchases for this category include:
      • Department Store Websites
      • Specialty Store Websites
      • Warehouse Store Websites
      • Boutique Store Websites
  • 2x Travel Websites
    • Most travel is purchased online anyway.
    • Eligible purchases for this category include:
      • Online Travel Agencies
      • Hotel Websites
      • Airline Websites
  • 1x Non-Category

Perks & Benefits

The Citi AT&T Access Card doesn't have any perks or benefits that's specific to the card itself. You'll receive the typical Citi benefits such as Citi Entertainment and your standard Mastercard benefits.

Sign Up Bonus

The standard sign up bonus for the Citi AT&T Access Card is 10,000 ThankYou Points after spending $1,000 in purchases within 3 months of account opening. With ThankYou Points worth an easy 1 cent each, you're looking at $100 in value.

If you own the Citi Premier or Citi Prestige, you'll be able to transfer ThankYou Points to Citi's transfer partners which will give you 10,000 airline miles with most of the frequent flyer programs.


Annual Fee

The Citi AT&T Access Card does not have an annual fee, which means the card will always give you positive return no matter how much you spend on it.

Authorized User Fee

The Citi AT&T Access Card does not have an authorized user fee. If you have friends or family that spend with AT&T or the other categories featured on the card, adding them as additional cardholders will help you build your ThankYou Points faster.

Foreign Transaction Fee

The Citi AT&T Access Card has a 3% foreign transaction fee. That makes this card a bad choice for international travel and spending. If you want to earn ThankYou Points internationally, you'll want to go for the Citi ThankYou Premier or Citi Prestige.

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

Support The Site

If you find the site helpful, the best you can do is share this site with friends and family. Of course... you can share it with total strangers as well. Anything helps!

You can help support this site by using our Amazon link. Any qualifying purchase you make through our link will earn us some money and it is greatly appreciated if you do.

🇺🇸 US🇨🇦 CA🇬🇧 UK🇦🇺 AU