AT&T Access
Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The AT&T Access from Citi earns up to 1.6% effective value on other in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Other
- Effective value
- 1.6%
- Annual fee
- $0
Best for other-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in other and can earn 2% back.
What does the AT&T Access earn in each category?
Other is the strongest category at 1.6% effective value (2% back). That other rate ranks higher than about 73% of the 2,849 cards we track in that category. The five-category effective-rate table on this page shows how AT&T Access compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight online marketplaces at 2x among the top bonus.
Other is the strongest category at 1.6% effective value (2% back). That other rate ranks higher than about 73% of the 2,849 cards we track in that category. The five-category effective-rate table on this page shows how AT&T Access compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 0.8% |
| Grocery Supermarkets and grocery stores | 1% back | 0.8% |
| Gas Gas stations and fuel | 1% back | 0.8% |
| Travel Flights, hotels, transit | 1% back | 0.8% |
| Other General everyday spend | 2% back | 1.6% Top category |
Madeen values cash back at about 0.8 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the AT&T Access reward caps and conditions?
The AT&T Access has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn 2 ThankYou points per dollar spent at AT&T, eligible online retail and travel websites
Who should get the AT&T Access?
The AT&T Access fits spenders who put meaningful volume in other and can earn 2% back. Best for spenders who put meaningful volume in other and can earn 2% back.
AT&T Access fits spenders who put meaningful volume in other and can earn 2% back. Madeen ranks its other effective rate higher than about 73% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in other and can earn 2% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for other-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is other at about 1.6% effective (2% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the AT&T Access have an annual fee?
The AT&T Access has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the AT&T Access?
The AT&T Access includes Citi Entertainment® in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Citi Entertainment®
$25/yrCiti Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more.
Related encyclopedia topics
Common questions about the AT&T Access
Where do cardholders spend most with the AT&T Access?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on online marketplaces (2x), flights (2x), lodging (2x) for the AT&T Access. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
What credit score do you need for an AT&T credit card?
Madeen's catalog lists a typical credit range of Good for the AT&T Access. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Is the AT&T credit card worth it?
The AT&T Access from Citi earns up to 1.6% effective value on other in Madeen's catalog snapshot. It has no annual fee.
Does the AT&T Access have an annual fee?
The AT&T Access carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the AT&T Access?
Other is the strongest Madeen category for the AT&T Access at about 1.6% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the AT&T Access charge foreign transaction fees?
The AT&T Access does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
How does the AT&T Access compare to similar cards?
Compare the AT&T Access against Citi Custom Cash℠ (5% on Dining, $0 fee); Citi Dividend (5% on Grocery, $0 fee); Citi Simplicity Cash (5% on Gas, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
AT&T Access This card | Other | 1.6% | $0 |
| Dining | 5% | $0 | |
Citi | Grocery | 5% | $0 |
| Gas | 5% | $0 | |
| Gas | 5% | $0 |
Side-by-side comparisons
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Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure