Citi
AT&T Access More
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Card review
AT&T Access More
Citi
Last updated October 11, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$95
Welcome bonus
See issuer
Est. net value
$624/yr
Credit score
Varies
Top earn rate
3x travel
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.
| Category | Rate |
|---|---|
| TravelTravel | 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.
Benefits & perks
- 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.
WalletFlo 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.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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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?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $95 per year.