Citi
AT&T Access
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Card review
AT&T Access
Citi
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
See issuer
Est. net value
$325/yr
Credit score
Varies
Top earn rate
2x travel
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The AT&T Access from Citi carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $325.20 in rewards plus $0.00 in credits and perks — $325.20 net per year before welcome bonuses.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| TravelTravel | 2× |
| Everything elseAT&T | 2× |
| Online shoppingOnline retail stores | 2× |
| Everything elseAll Purchases | 1× |
Transfer partners
Where this card's points can go, and at what ratio. 13 partners.
- Air France KLM Flying Blue1:1
- Avianca LifeMiles1:1
- Cathay Asia Miles1:1
- Emirates Skywards1:1
- Etihad Guest1:1
- JetBlue TrueBlue1:1
- Qatar Privilege Club1:1
- Singapore KrisFlyer1:1
- Turkish Miles&Smiles1:1
- Virgin Atlantic Flying Club1:1
- Aeromexico Rewards1:1
- Choice Privileges1:1
- Wyndham Rewards1:1
Work out what a transfer is worth in the transfer calculator.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
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Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.