Review: AT&T Credit Cards

att-access-credit-cardAT&T, in partnership with Citi, offers two credit cards, including one that offers you a mobile phone as a potential upfront bonus. Our review of both AT&T credit cards is below:

The is the no annual-fee AT&T credit card. It is much like other Citi credit cards that offer “ThankYou” reward points, except that you earn more points on AT&T purchases. You’ll earn 2 points per dollar on AT&T stuff, and also 2 points per dollar on purchases made online at retailers and travel sites, then 1 point per dollar on all other card purchases. You can get a bonus 10,000 points if you spend at least $1000 with the card in the first 3 months you have it. You can then redeem points for AT&T products and services, gift cards, travel rewards, etc.

Now, if you are willing to pay a $95 annual fee for an upgrade to the , you’ll get greater point payouts as well as a pretty nice upfront bonus opportunity. Let’s talk about that bonus first. If you spend at least $2000 with the card in the first 3 months you have it, you can be reimbursed for the full cost of a mobile phone (up to $650) that you purchase from AT&T. And the cost of that phone can be part of the initial $2000 in spending. (The way it works: you buy the phone from AT&T and then you get a statement credit for the purchase price of the phone once you’ve spent at least $2000 with the card in the first 3 months.)

In addition to this offer, the card offers greater point opportunities than the no-annual-fee AT&T Access card — 3 points per dollar on AT&T purchases and 3 points per dollar for online purchases, and 1 point per dollar for all other card purchases.

While we normally shy away from credit cards with annual fees, the opportunity to pay a $95 annual fee and get a phone priced $500 or more seems like a good deal to us. (Provided you are willing to spend at least $2000 overall with your card in 3 months.)

You can learn more about either card and apply online .

See also: Store Credit Cards, Instant Approval Credit Cards, AT&T Credit Card Payment, Login, and Customer Service Information