MastercardCiti AT&T Access More Card
3x on all online shopping, the grandfathered card everyone refused to cancel.
Welcome Bonus
None
Discontinued
Spend Requirement
None
Annual Fee
$95
3% FTF
Credit Score
700+
(Good-Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 3xAT&T purchases
- 3xOnline retail purchases
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦10,000 anniversary ThankYou points after 10,000 dollars of annual spend
- ✦3x online retail covered a huge share of modern spending
Why it earns its spot
- +3x ThankYou points on general online shopping never existed anywhere else
- +Anniversary bonus softened the 95 dollar fee for heavy spenders
Where it costs you
- −Online purchase coding grew more restrictive every year
- −Citi eventually closed the beloved product-change loophole
The Compound Verdict
Launched in 2015 with a free-smartphone gimmick, the Access More became a cult classic for a different reason: 3x ThankYou points on virtually all online retail. Applications closed within about two years, and for a long stretch the in-the-know move was product changing other Citi cards into it. Citi eventually shut that door too, and holders who gave it up, often for a Custom Cash, gave up a category that has never been replicated.
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