The AT&T Access More Card from Citi has lots of benefits of using compared to other cards you could choose. You earn points on all purchases and are not just limited to certain things such as groceries or gas. It has a low transfer APR which is on average or lower than most cards. The only thing I did not like about it is that the introductory interest rate of 0% is only for 7 months. And after that jumps up pretty high. Im not sure the benefits of points and transfer fees outweigh the APR, but it is great for your AT&T purchases. I would recommend this card to anyone who is an AT&T customer and might want to transfer.

AT&T Access More Card from Citi is a pretty average card. I has 0% APR for 7 months, not the best, but not terrible I suppose. It offers several ways to earn points through purchases. It has a pretty high annual rate of $95. Fees associated with this card seem to be slightly higher than some as well. I wouldn't necessarily recommend this card or not. Its pretty much your run-of-the-mill credit card.

I like that this card offers a point system to reward you for using it. 0% APR for the first seven months is good, but i have seen better offers. All the other rates look similar to what you would be offered anywhere else. This is why i only gave it 3 starts. If they didn't offer points, it might have been lower.

AT&T Access More Card from Citi offers its customers various ways to earn points. This card seems to be very generous in their awarding points. Another plus is that is offered a 0% introductory APR for the first 7 months. This are the pros that I have found with this card now for the cons. The annual rate of $95 is high for my budget. Also, I always look for benefits related to international travel and this card offers no advantage which is surprising to me since they award points based on purchased made at travel websites. The advantage of this card over the many others credit cards is that they seem to offer a generous benefit of awarding points so if you do the math and the points work out for good then this might be the card for you.

The AT&T Access More Card offers a 0% APR for the first 7 months. My Chase Freedom credit card offers the same introduction fee with the percentage rate being good for 15 months. I like that they have a new phone offer that makes it an easy process if you are just purchasing a phone. They offer a points system based on the purchases made with the card. I'm a big fan of POINTS!

I believe this card is a typical credit card. The rates are very similar to those I have seen on other cards I possess. I do like the 0% APR for 7 months. This can be very valuable if you purchase quite a bit of merchandise/services. As long as this amount charged is paid back prior to the end of the 7-month period then you have nothing to worry about. The $35 late fee seems pretty standard as well.

Now I can safely say I do not care for the Annual fee of $95. This is ridiculous. I fail to see what real benefits you receive from paying a $95 fee yearly. I mean thank you points are great an all, but in the long run you are probably going to end up with something that’s worth not even 10% of what you paid to get those thank you points. It mentions an “Exclusive New Phone Offer” but fails to mention any more details behind this. I mean depending on which phone they offer you and at what price this could be worth paying the $95 fee a year, but it also depends wholly on the stipulations behind the offer. I believe the balance transfer fee is fair at 3%. This is pretty standard throughout every credit card I have ever possessed. Although I have had one card that had 0% balance transfer fee for the first 60 days. That was a pretty nice intro offer.

I do not know that I would either recommend or defer away from this card. There really is not much special about the AT&T credit card that sets it apart from others out there on the market. In the overall scheme of things there are cards out there that offer much better introductory offers and better rewards points programs.