Good morning everyone, I hope you had a great Valentine’s Day. A quick thank you to everyone who entered my Valentine’s Day Swag Giveaway – winners will be announced soon. I have written about the Citi AT&T Access More Credit Card many times before (Convert any Citi Card to the Citi AT&T Access More Credit Card) and I currently hold 3 AT&T Access More Credit Cards (1 original and 2 converted). Recently, I noticed something strange regarding when the 10,000 bonus Citi Thank You Points post to your account (after you spend $10,000+ on the card) and when the $95 annual fee posts. For all of my other credit cards, the anniversary points or free night certificate usually post the same month the annual fee is billed, thus signalling the start of a new cardmember year. However, I noticed that the Citi AT&T Access More Credit Cards have a cardmember year (where the $95 annual fee posts at the beginning of a new cardmember year) and when the 10,000 bonus Citi Thank You Points post at the end of your “12 month spending year”. I’m sorry if this sounds super confusing, hopefully it makes sense by the end of this post.
I have 3 Citi AT&T Access More Credit Cards and here are when the 10,000 bonus Citi Thank You Points posted to my account:
- Card 1 (ending in 73) posted on February 6, 2019
- Card 2 (ending in 70) posted on January 4, 2019
- Card 3 (ending in 30) posted on June 6, 2018 (and previously on June 6, 2017)





