AT&T Access rewards calculator
See how much net value the AT&T Access delivers on your spend — computed by the OneCard engine, not estimated in your browser.
Loading calculator…
How the rewards calculator works
- 1Enter your estimated monthly spend across eight categories: dining, groceries, gas, travel, online, entertainment, transit, and everything else.
- 2Select one or more credit cards from the live WalletFlo catalog (1,000+ cards).
- 3The OneCard engine annualizes your spend, applies each card's category earn rates, adds stated credits and perks, and subtracts the annual fee.
- 4Compare net annual value side by side — the transparent number that shows what each card is actually worth for your wallet.
About the AT&T Access
The AT&T Access from Citi has no annual fee. Use the calculator below to model your monthly spend and see projected rewards, credits, perks, and net annual value.
For fee-only analysis, visit the Annual Fee Calculator. To compare against other cards, add them in the selector or use Side-by-Side Compare.
Related tools
- Side-by-Side Compare
Compare two to four cards on the same spend profile.
- Wallet Optimizer
Rank the full catalog for your spend profile.
- Best Card for a Purchase
Top earn rate for a single category purchase.
- Annual Fee Worth It?
Credits and perks vs annual fee from live catalog data.
- Best Card Finder
Filter by issuer and fee, then rank by net annual value.
Frequently asked questions
Yes — add more cards in the compare selector, or visit the full Rewards Calculator to rank your entire shortlist.