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Earn a New Smartphone with the AT&T Access More Card

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Update: The AT&T Access More Card is not available through at this time.

Citi has just launched an impressive new offer for the . While this card is part of the ThankYou Rewards program, the sign-up bonus doesn’t come in the form of points. Instead, Citi is offering the opportunity to earn a phone from AT&T, meaning if you wanted to purchase a new iPhone without a contract, you could do so and receive a statement credit for up to $650.

When you make $2,000 in purchases with your AT&T Access More card within 3 months of account opening, you’ll be eligible for the $650 credit for buying a full price phone from AT&T. Best of all, the phone purchase actually counts toward the $2,000 spending requirement. This card does have a $95 annual fee that is not waived for the first year.

ATT is launching the new

Citi is launching the new Access More Card from AT&T.

AT&T Access More Card from Citi

  • Exclusive New Phone Offer*
  • 3 ThankYou Points for every $1 you spend on purchases made online at retail and travel websites*
  • 3 ThankYou Points for every $1 you spend on products and services purchased directly from AT&T*
  • 1 point earned for every $1 you spend on other purchases*
  • 10,000 Anniversary bonus points after you spend $10,000 in prior cardmembership year*

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My Thoughts

If you’re in the market for a new smartphone and want to purchase one without being tied to a contract, then the Citi Access More Card might be worth considering. Some of the terms are unclear: for example, the terms say that no annual contract is required for the purchase, but also indicate that you must activate and maintain AT&T service for 15 days. I don’t see the point in forcing people to sign up for 15 days of a service they don’t want, but you’ll need to take that into consideration before applying. In addition, the offer states that you need to purchase your phone using a unique link (which will be provided to you), but doesn’t specify when that link will be provided.

The card also offers 3x ThankYou points on travel purchases, which is in line with the new earning rates for travel on the Citi ThankYou Premier Card (though the Premier card also offers 2x points on dining and entertainment). You’ll also get 3x points per dollar spent with AT&T; however, I would much rather earn the 5x Ultimate Rewards points per dollar offered by the Chase Ink Plus Business Card for cell phone charges.

What does interest me is the 3x ThankYou points offered for purchases at “retail websites”, which Citi defines as “websites that sell goods directly to the consumer through an online website and include department store websites, specialty store websites, warehouse store websites and boutique websites.” That’s a pretty broad definition, and seems to include the majority of online shopping that isn’t conducted through a third party (i.e., eBay or some Amazon purchases). That alone could make this card worth keeping long-term.

What are your thoughts on the new Citi AT&T Access More Card?