Terms checked 2026-10-26
3x on five everyday categories. The broadest mid-tier earner.
60,000 pts bonus (≈$1,080)AF: $95Rating: 8.6/10
Citi AT&T Access More Card
By Alex Compton · Last verified
3x on all online shopping, the grandfathered card everyone refused to cancel.
★ 8.3/10CitipersonalCiti ThankYou Points
DiscontinuedBest for: The lost 3x online shopping category
Welcome Bonus
None recorded
Last recorded offer
Spend Requirement
None recorded
Last recorded requirement
Annual Fee
$95
Last recorded · 3% FTF
Credit Score
700+
(Good-Excellent)
Common Questions
Is the Citi AT&T Access More Card discontinued?
Yes. Discontinued. 3x on all online shopping, the grandfathered card everyone refused to cancel.
What can I use instead of the Citi AT&T Access More Card?
The closest open alternatives we track are the Citi Strata Premier, Citi Strata Elite, Citi AAdvantage Platinum Select World Elite Mastercard. Each links to our full review with its current offer and complete breakdown.
Open Alternatives
The Citi AT&T Access More Card is no longer open to new applicants. Compare these cards for a similar use.
Terms checked 2026-10-26
Travel-portal rewards, timed dining bonuses and two different lounge benefits
75,000 pts bonus (≈$1,350)AF: $595Rating: 8.2/10
Terms checked 2026-10-12
The standard-issue American Airlines card, fee waived year one.
80,000 pts bonus (≈$1,120)AF: $99Rating: 8.2/10
Historical Offers Chart
Dated offer history for this discontinued product.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2016-08 | 0 | No recorded spend | Terms reconfirmedFinal stretch of availability with the same phone credit offer | Archive record · no attached snapshot |
| 2015-06 | 0 | No recorded spend | Earliest recordLaunch perk: up to 650 dollars in credits toward a new smartphone bought from AT&T | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Historical record · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 3xAT&T purchases
- 3xOnline retail purchasesThe category that made the card legendary, coding tightened over the years
- 1xEverything else
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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