The standard variable APR for purchases is 14.49%, 17.49%, 19.49%, 21.49% or 23.49% based on creditworthiness and also applies to balance transfers. The standard variable APR for cash advances is 25.74%. The variable penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. Minimum finance charge $0.50. Cash advance fee — either $10 or 5% of the amount of each cash advance, whichever is greater. Fee for foreign purchases – 3% of the U.S. dollar amount of each purchase. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater. The annual fee is $0.
Other Important Account Information
Bonus Points Offer Details
To earn your 10,000 bonus ThankYou Points, you must make $1,000 in purchases in the first 3 months of account opening. Bonus ThankYou Points are not available if you have had an AT&T Access card or AT&T Access More card opened or closed in the past 24 months.
Citi ThankYou® Rewards
AT&T Access Card from Citi Terms and Conditions
Citi ThankYou® Rewards is offered to certain cardmembers ("you") at the sole discretion of Citibank, N.A. ("we"), the issuer of your card account ("Card Account"). ThankYou Rewards or any portion thereof may be revised or terminated with 30 days prior written notice. Any revisions may affect your ability to use the ThankYou Points you have already accumulated. If ThankYou Rewards is terminated, you will only have 90 days from ThankYou Rewards termination date to redeem all your accumulated ThankYou Points ("ThankYou Points"). Rewards offered by ThankYou Rewards and the ThankYou Point levels required for specific rewards are subject to change without notice.
Unless you are participating in a limited-time offer, you will earn:
- 2 ThankYou Points for every dollar you spend on products and services purchased directly from AT&T.
- 2 ThankYou Points for every dollar you spend on purchases made online at retail and travel websites.
- 1 ThankYou Point for every dollar you spend on other purchases.
AT&T purchases are AT&T consumer products and/or services purchased directly from AT&T. AT&T consumer products and services must be purchased from www.att.com, www.telephones.att.com, AT&T owned stores or AT&T customer service centers. Purchases from independent wireless dealers or AT&T resellers are not eligible, unless they are for payment of AT&T service. We do not determine whether AT&T consumer products and/or services are correctly identified and billed to us as qualifying transactions, but we reserve the right to determine which purchases qualify. AT&T purchases made online qualify for only a total 2 points per dollar spent. Retail websites are websites that sell goods directly to the consumer through an online website and include department store websites, specialty store websites, warehouse store websites and boutique websites. Travel websites are websites that allow you to book travel and include online travel agencies, hotel websites and airline websites.
We do not determine how merchants or establishments are classified; however, they are generally classified based upon the merchant’s primary line of business. We reserve the right to determine which purchases qualify for this offer. Purchases not eligible to receive the additional ThankYou Points include but are not limited to payment for or to medical services, insurance, taxes and government services, education, charities and utilities.
You may earn ThankYou Points as long as your Card Account is open and current. If your Card Account is closed, you will not be able to earn ThankYou Points and you will lose any accumulated ThankYou Points that have not been transferred to your ThankYou Member Account. Balance transfers, cash advances, convenience checks, returned purchases, disputed or unauthorized purchases/fraudulent transactions, finance charges, Card Account fees, and fees for services and programs you elect to receive through us do not earn ThankYou Points unless otherwise specified.
If you do not already have a ThankYou Rewards Member Account ("ThankYou Member Account"), one will be set up for you. ThankYou Points earned from purchases post to your Card Account at the close of each billing cycle, and at that time we will transfer the ThankYou Points you earned to your ThankYou Member Account. (Bonus ThankYou Points may take one to two additional billing cycles to post to your Card Account.) ThankYou Points are not eligible for redemption until they are transferred to your ThankYou Member Account. ThankYou Points may not be redeemed and may be lost if your Card Account is not open or current.
Your Card Account may be closed based on signs of fraud or abuse relating to the earning or redeeming of ThankYou Points. If your Card Account is closed for any of these reasons, you may not be approved in the future for a Citi Credit Card account.
Any benefit, reward, service, or feature offered in connection with your AT&T Access Card from Citi may change or be discontinued at any time for any reason, except as otherwise expressly indicated. Citi is not responsible for the products and services offered by other companies.
Citi, Citibank, Citi with Arc Design and ThankYou are registered service marks of Citigroup Inc.
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