What credit score do I need for the AT&T Access More?

A good-to-excellent credit score is generally recommended.

Is the AT&T Access More's annual fee worth it?

It charges $95 a year; weigh that against its credits, perks and your rewards.

How do I calculate rewards on the AT&T Access More?

Use WalletFlo's reward calculator at /tools/rewards-calc/at-t-access-more to model net value on your spending.

AT&T Access More Review — Rewards, Fees & Benefits (2026)

Flo Analysis

Computed from live catalog data — where this card ranks, wins, and needs a caveat.

Category standing — vs 1,096 cards in the catalog

Travel

Online shopping

Everything else

Overview

How this card fits in your wallet — fees, value, and who it's built for.

The AT&T Access More from Citi carries a $95 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $394.80 in rewards plus $324.00 in credits and perks — $623.80 net per year before welcome bonuses.

Earning rates

Category bonuses from our catalog — verify current offers on the issuer site.

CategoryRate

Travel
3×
Online shoppingOnline retail stores
3×
Everything elseAT&T
3×
Everything elseAll Purchases
1×

Credits & Benefits

Statement credits and perks we model in net-value calculations.

Credits

No statement credits listed for this card

Benefits

Earn an Anniversary Bonus$162/yr
Earn 10,000-point anniversary bonus when you spent $10,000.
Anniversary Bonus$162/yr
Earned 10,000-point anniversary bonus after spending $10,000.

Transfer partners

Where this card's points can go, and at what ratio. 20 partners.

Air France KLM Flying Blue1:1
American AAdvantage1:1
Avianca LifeMiles1:1
Cathay Asia Miles1:1
Emirates Skywards5:4
Etihad Guest1:1
EVA Infinity MileageLands1:1
JAL Mileage Bank1:1
JetBlue TrueBlue1:1
Qantas Frequent Flyer1:1
Qatar Privilege Club1:1
Singapore KrisFlyer1:1
Thai Royal Orchid Plus1:1
Turkish Miles&Smiles1:1
Virgin Atlantic Flying Club1:1
Accor Live Limitless2:1
Choice Privileges1:1.5
Leading Hotels of the World Leaders Club5:1
Preferred Hotels I Prefer1:2
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.

Credits & perks vs fee

Annual fee−$95

Stated credits+$0

Perks (est.)+$324

Net after credits & perks$229

Verdict

Credits & perks offset the fee on paper

Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.

Full Analysis Rewards Calculator

Flo calculator tools

Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.

Reward Calculator

Estimate annual rewards and net value on your spend.

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Side by Side Compare

Compare against another card with the same spend profile.

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Is the Annual Fee Worth it?

See if credits and perks offset the annual fee.

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Points & Miles → $ Converter

Convert points and miles to estimated cash value.

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Awards vs Cash Calculator

Compare redeeming points for travel vs cash back.

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Transfer Partner Calculator

Explore transfer partner conversions across programs.

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Rewards Calculator

Model this card on your spend — adjust categories and compare with others.

$624/yr

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Estimates for illustrative purposes. See methodology

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FAQ's

Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $95 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.