AT&T Access More
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 More from Citi earns up to 2.4% effective value on other in Madeen's catalog snapshot. Its annual fee is $95.
- Top category
- Other
- Effective value
- 2.4%
- Annual fee
- $95
Best for other-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in other and can earn 3% back.
What does the AT&T Access More earn in each category?
Other is the strongest category at 2.4% effective value (3% back). That other rate ranks higher than about 91% of the 2,856 cards we track in that category. The five-category effective-rate table on this page shows how AT&T Access More compares across dining, grocery, gas, travel, and other spend.
Other is the strongest category at 2.4% effective value (3% back). That other rate ranks higher than about 91% of the 2,856 cards we track in that category. The five-category effective-rate table on this page shows how AT&T Access More 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 | 3% back | 2.4% 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 More reward caps and conditions?
The AT&T Access More 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 3 ThankYou points per dollar spent at AT&T, eligible online retail and travel websites
Who should get the AT&T Access More?
The AT&T Access More fits spenders who put meaningful volume in other and can earn 3% back. Best for spenders who put meaningful volume in other and can earn 3% back.
AT&T Access More fits spenders who put meaningful volume in other and can earn 3% back. Madeen ranks its other effective rate higher than about 91% 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 3% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for other-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is other at about 2.4% effective (3% back).
- That other rate ranks higher than about 91% of cards we track in the category.
- No foreign transaction fee listed.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
Does the AT&T Access More have an annual fee?
The AT&T Access More has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
Related encyclopedia topics
Common questions about the AT&T Access More
Does the AT&T Access More have an annual fee?
The AT&T Access More carries an annual fee of $95 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 More?
Other is the strongest Madeen category for the AT&T Access More at about 2.4% 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 More charge foreign transaction fees?
The AT&T Access More 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.
Is the AT&T Access More annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in other and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the AT&T Access More?
Madeen's catalog lists a typical credit range of Good for the AT&T Access More. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the AT&T Access More?
Rewards on the AT&T Access More post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the AT&T Access More compare to similar cards?
Compare the AT&T Access More against AT&T Access (1.6% on Other, $0 fee); Citi Custom Cash℠ (5% on Dining, $0 fee); Citi Dividend (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 More This card | Other | 2.4% | $95 |
Citi | Other | 1.6% | $0 |
| Dining | 5% | $0 | |
Citi | Gas | 5% | $0 |
| Gas | 5% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for other spend to see which cards win at checkout.
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
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