Review: AT&T Credit Card

att-access-credit-cardAT&T, in partnership with Citi, offers the AT&T Access credit card. Unfortunately, it is difficult to understand why even the most loyal AT&T customer would choose to carry this card. Our review of the AT&T credit card is below:

The AT&T Access Card is a no-annual-fee credit card that works much like other Citibank credit cards that offer “ThankYou” reward points, except that you earn more points on AT&T purchases. You’ll earn 2 points per dollar on AT&T stuff, and also 2 points per dollar on purchases made online at retailers and travel sites, then 1 point per dollar on all other card purchases. You can get a bonus 10,000 points if you spend at least $1000 with the card in the first 3 months you have it. You can then redeem points for AT&T products and services, gift cards, travel rewards, etc.

The problem with this card is that the rewards you earn are simply non-competitive. Citi itself offers the Double Cash Card that gives you a 2% reward on everything you buy, so this card, which essentially gives you a 2% reward on some things and a 1% reward on others, makes no sense to carry. (The points you get on the card are worth a penny each, so getting 2 points per dollar can be thought of as equivalent to 2% cash back, while 1 point per dollar would be equivalent to 1% cash back.)

In the past, AT&T offered the Access More Card, which had a $95 annual fee but had a nice bonus opportunity —  reimbursement for the full cost of a mobile phone purchased from AT&T. It also offered greater point opportunities than the no-annual-fee AT&T Access Card — 3 points per dollar on AT&T purchases and 3 points per dollar for online purchases, and 1 point per dollar for all other card purchases. But that card has now gone away. And it’s easy to imagine that the AT&T Access Card is not long for this world, either.

So, move along, nothing to see here.