Good morning everyone. As part of my “Keep, Cancel or Convert?” series, I like to evaluate and reevaluate credit cards to make sure they still deserve a spot in my wallet (or credit card drawer). In today’s post, I will share my thoughts regarding my Citi AT&T Access More Credit Card. I actually have 3 different Citi AT&T Access More Credit Cards, but my decision to keep, cancel, or convert all 3 credit cards is the same. A few weeks ago, the $95 annual fee posted to my account. This credit card is no longer available for direct applications, but you can convert from other Citi credit cards to the Citi AT&T Access Credit Card (no annual fee) and then upgrade to the Citi AT&T Access More Credit Card ($95 annual fee). I love these Citi AT&T Access More Credit Cards and I will show you why I keep these credit cards year after year.
My $95 annual fee posted on May 3, 2019.
Every year when you spend $10,000+ on your Citi AT&T Access More Credit Card, you get 10,000 bonus anniversary Citi Thank You Points. My 10,000 bonus Citi Thank You Points posted on May 4, 2019.
I spend a little more than $10,000 every cardmember year (not calendar year) on my Citi AT&T Access More Credit Card and earn 3x for my online purchases. That credit card spend earns 30,000 Citi Thank You Points. With the 10,000 bonus Citi Thank You Points I earn every anniversary, I earn 40,000 Citi Thank You Points every year on every Citi AT&T Access More Credit Card and it only costs me a $95 annual fee. $95 annual fee / 40,000 Citi Thank You Points = 0.24 cents per point (CPP). That is a great deal for Citi Thank You Points and I usually transfer the points to my Avianca LifeMiles account to book award tickets.
I already planned on keeping this credit card open, but I called Citi to see if they could waive the annual fee or provide a decent retention offer. My argument was that I have 3 Citi AT&T Access More Credit Cards and I would love to get the annual fee waived on one of the credit cards. Unfortunately, that didn’t reason didn’t work, so I thanked the agent for checking my account and told her that I would keep the credit card open. If you spend significantly more than $10,000 on the Citi AT&T Access More Credit Card, you might get a decent retention offer like my friend Craig at Middle Age Miles.
If you have any questions about the annual fee or anniversary bonus Citi Thank You Points, please leave a comment below. Have a great day everyone!