AT&T Credit Card

att credit card
Required Credit Score: Excellent, Good
3 203 reviews   Write a Review!
Existing Cardholders

AT&T Credit Card’s Rewards

10,000 points
Base Earn
1 point / $1
Max Earn
1 point / $1
Earn / Redeem Limit
  • Earn 10,000 bonus ThankYou® Points after you make $500 in purchases within 3 months of account opening.
  • Save up to 10% on eligible AT&T products & services for the first 12 months; 5% thereafter up to $350 a year.
  • Earn 1 ThankYou® Point for every $1 you spend on non–AT&T purchases, up to 50,000 points a year.
  • Redeem your points for great rewards. For example, 50,000 points is enough for $500 in gift cards or music downloads, and more than enough for great rewards in popular categories such as Electronics and Travel.
  • Bonus points are redeemable for $100 in gift cards.
  • Earn savings on AT&T products and services, including the latest Apple, Android, Blackberry, and Windows smart phones.

AT&T Credit Card’s Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
0% for 12 months
Regular Rate
13.99% - 23.99% (V)

AT&T Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   23 days
  • CASH ADVANCE RATE 25.24% (V)
  • CASH ADVANCE FEE 5% (min $10)
  • $0 Liability on Unauthorized Charges
  • Automatic Travel Accident Insurance
  • Travel & Emergency Assistance.
  • Free Calling Benefits.
  • Citi® Price Rewind.
  • Retail Purchase Protection.
  • Virtual Account Numbers.
Apply Now
at Citibank’s
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AT&T Credit Card Reviews

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Overall Rating: 3.1 / 5
Total Ratings: 203
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Sep 30, 2014
Photo of Tracy M.
Like the other reviews pointed out, the APR on this card is really high. It’s too bad, really, because the card is pretty good otherwise. It’s got some nice benefits associated with it, and the online interface where can pay your bill online is really use to navigate. They also have great customer service. Over the eleven years we’ve had this card, we have accidentally paid our bill a few days late, and they have always been really good about waiving the late fee.
Sep 4, 2014
Photo of Nicole G.
I'm giving the AT&T credit card a 2 star rating. The APR seem way too high for the credit rating that you have to to get the card. I do like the bonus points system, that could definitely be handy. Alot of credit cards, like the Capital One card, or the Citi Bank Diamond card have 0% APR for at least the first year. I would also boost the amount of savings on AT&T stuff, or what is the point of having an "AT&T" card instead of a regular one.
Aug 14, 2014
Photo of Kat W.
I'm giving A T & T credit card a 2 star rating. Its seems to be a basic rewards program. The APR is high and so are the fees listed. If your credit is less than perfect then most likely you won't be approved. Even if you do have excellent credit there are far more superior credit card offers out there. The Barclaycard credit card has basically the same rates or lower and a better rewards program. They are also more forgiving to someone who has less than perfect credit.
Aug 4, 2014
Photo of Christine B.
The AT&T credit card is good but, the APR is way too high for someone who has to have excellent credit to even receive the card in the first place. The rewards program is OK, but it’s just like the other rewards programs for other cards out there, my Best Buy card was very similar.
Jul 23, 2014
Photo of Mohammed I.
I give the AT&T Credit Card 3 stars just because of it's reward system. Being rewarded 1 ThankYou point for every dollar spent is good, but not too good, because alot of other credit cards have the same, or even better, reward systems as my Citi credit card. I also think this card has a really high APR for someone who has an excellent credit rating. So my thought of this card is not too bad but not too good also.
Jul 14, 2014
Photo of Rob P.
I really love the 0% APR for the first 12 months and the rather lower end 13.99% - 23.99% regular APR. My Capital One card only gave me a 6 month no interest, and the rewards program looks very appealing! Earning up to 50,000 points year (equal to $500 in rewards) is outstanding. I do wish the rewards could be redeemed as cash value like my Chase and Capital One cards offer. Getting discounts on AT&T products, 10% first year and 5% thereafter is a nice bonus.
Jul 8, 2014
Photo of Lisa M.
I am only giving the AT&T credit card a 3 star rating. In order to qualify for this card you need to have "Excellent, Good" credit rating, which is fine. But their APR % is too high if you have excellent credit in my opinion. Although I do like their rewards program, which is why I'm giving them 3 stars. I especially like the 10,000 bonus points you can receive after making $500 in purchases within the first 3 months of opening the account. Everyone likes to be rewarded for purchases!
Jun 25, 2014
Photo of Da M.
There are so many credit card companies and each offers something alike or over the other AT&T Credit Card offers regular rate 13.99% - 23.99% (V) and an intro rate on transfers 0% for 12 months and you can earn 10,000 bonus thank you points after $500 in purchases within 3 months. That is better than my bank card. Bonuses are everything today if you are going to have a card it might as well earn you something useful.
May 30, 2014
Photo of Ashlee H.
I am not a current AT&T Credit Card holder, but am familiar with credit card usage. The earning of 1 ThankYou® Point for every $1 spend is appealing. People like being rewarded for the money they spend. It's even more rewarding when points can be turned in for items such as gift cards. The downfall is the amount of money they require to be spent within the first three months of activation of $500 in order to receive 10,00 ThankYou® Points. It almost encourages debt for those who should not be racking up the debt. Overall, this is a very appealing credit card offer and would be a good credit more
May 23, 2014
Photo of Tim L.
The AT&T Credit Card has a decent teaser bonus, but doesn't really compare to some of the cards I have used. It doesn't have a intro percentage offer, so the points bonus is less attractive.
Apr 10, 2014
Photo of Andy F.
The AT&T credit card is one of the better cards I've used. I love their point system, because each point is basically equivalent to a cent back. This might not seem like a lot, but it really does build up. I've never come close to reaching the 50,000 point annual limit, but I can understand that some people might get frustrated by this. Overall it is really great, I haven't run into any problems with late fees, but a few of my friends who have the card say the late fees are a little over the top, which is why I am giving 4 stars. Overall I would definitely recommend more
Feb 26, 2014
Photo of Shalaeha M.
This AT&T credit card is probably one of the most attractive credit cards I have seen to date. As someone who loves and lives for rewards for my spending purchases, this credit card really entices me to apply so that i can earn some rewards! I know that i am one to travel internationally as well, so seeing that the foreign transaction fees are 3% whereas others are at 5% I am shocked, and honestly, i think this is a great card for a frequent traveler like myself.
Feb 11, 2014
Photo of Michael C.
The AT&T Credit Card has some very attractive rewards available for select people. This card is geared to benefit those who purchase AT&T products and services or currently use them. The discounts are of a great value and the rewards for basic purchases are pretty typical. If you’re not a big time AT&T customer then I would not recommend this card for you. I have the Quick Silver Card which gives me 1.5% cash back on everything with no cap. Cash back cards with better APR’s are the way to go.
Jan 13, 2014
Photo of Sean P.
The AT&T Credit Card is not particularly a card you want to keep around. Although if you have the credit necessary to get the card I would suggest using it to get the bonus before you get rid of it. Since there are very few rewards aside from that I would suggest you get something else like a cashback card to make the most of your credit card purchases.
Jan 2, 2014
Photo of Collin S.
After an initial review of the AT&T credit card, I would give this card a 3 star, as it appears to be, OK. I like that there is no annual fee, but I do not like that they cap the “Thank-you” points at 50,000 a year. Also, I would probably look into how many points it took to qualify for anything of significant value. If the points needed to “cash-in” were high I would probably not consider this card. However, there is a nice incentive of 10K “thank-you” points upon qualifying for this card if you make the appropriate amount of purchases. For me, personally, for maximum value of return more
Dec 10, 2013
Photo of Denis V.
This AT&T Credit Card probably has the best initial signup bonus there is. $500 dollars is not too hard to spend within 3 months to get the $100 dollar bonus. This is especially true since I am using this credit card to pay for my phone bill at AT&T. It feels good to earn money back on the bills I'm paying since It seems like AT&T is always expensive. But the only reason I have this card is to pay my phone bills with it and nothing else. There are better cards you can use daily.
Nov 29, 2013
Photo of Matt W.
The AT&T Credit Card ranks up there with some of the other good reward cards. The $500 that you have to spend to get your first reward is really quite low, should be easy to hit right now with the holidays right around the corner! The fact that it also has no annual fee is nice as a lot of reward cards on the market right now are changing those. I also like how the points earning rates are flat, most cards only give you decent point earnings on certain types of purchases so a flat rate is nice as you know what you are getting without having to guess more
Nov 27, 2013
Photo of Derek L.
The positives: No annual fee, $100 in points for spending $500, and 1% point rewards on everything seem to make the AT&T credit card a pretty great deal. I wonder why AT&T will only give the 10% discount for the first year, if it was permanent this card would be a must-have for their customers!

The negatives: Considering the good / great credit that you have to have in order to qualify for the AT&T credit card, the APR % is far too high, and the grace limit is not long enough (should be a full 30 days). This is definitely not a card that you'd want to keep a balance more
Nov 20, 2013
Photo of David M.
Everyone has a cell phone and (almost) everyone has to pay a cell phone bill every month. Annoying, but it has become a part of modern life. The AT&T Credit Card can help ease that burden a bit, if you happen to be an AT&T customer. All AT&T products, and more importantly services, are discounted by 10% for the first year when paid for with the card. After the first year, the promotion drops to 5%, but that is still a solid savings amount when you remember that it's something you'll save each month on your bill and every time you need a phone or accessory. This can also be more
Nov 17, 2013
Photo of John P.
I like the AT&T card because there is no annual fee. Sometimes you dont know how much you have in your bank account and then the bank slaps you with their ridiculous 100$ annual fee and not only does it make you overdraft, but you have to pay a ridiculous 40$ overdraft fee as well. So now you're down 140$ For this reason alone I think this is one of the better cards out there and I recommend it to everyone that I know and love, and tell them with this card they will not be disappointed ever again!
Nov 7, 2013
Photo of Krystal M.
The AT&T Credit Card is decent, but average credit card. They do have a great rewards system in place! They put a limit on their rewards, but it does seem quite high, so I would definitely be willing to get this card. Their interest rates are pretty average compared to other cards, but I would like to see an intro rate offered on purchases. Their cash advance interest rate is fairly higher than other credit cards. Their max late fee and their grace period is pretty average, nothing to really brag about. I do like that they offer travel accident insurance and travel emergency assistance. This card is really not more
Nov 1, 2013
Photo of Alyxandra R.
The AT&T credit card can be a little difficult to be approved for if you don't have really good credit, but it has a few unique rewards that are rather nice. You can earn up to 50,000 rewards points every year that can be redeemed for $100 gift cards. Even better, you can save up to 10% on AT&T products/services in your first year as a cardholder, then 5% thereafter (up to $350). The interest rate isn't bad either. Overall, I'd recommend this card if you're an AT&T customer. If not, it's still not a bad card but you might find better elsewhere.
Oct 27, 2013
Photo of Carla M.
I really like the idea of earning bonus points on this card, you can use them and potentially purchase your new AT&T phone along with a new tablet or ipad. Even if you are not looking to upgrade your phone, you can still utilize bonus points for other areas of interest! The apr is not as bad as I thought it would be either, and earning one point for every dollar spent is awesome too!
Oct 22, 2013
Photo of Brittany L.
The at&t rewards card seems to be an unlikely choice because most people think of them for phone and internet. At&t is now offering this credit card to people with good or excellent credit. I like the points system and the things you can redeem for seem to be pretty limitless and you can get giftcards. However I feel there should not be a limit on the points. If I am spending the money I should be compensated with the reward. I would not chose this card if you are a big spender and want all rewards. The interest rates seem to be higher than that of a card I more
Oct 16, 2013
Photo of Dan G.
AT&T is a major cellphone service provider, who also ventured into the realm of Credit Cards, and this is a review of them. This card is known as a rewards card, one that as you spend you get points which you can use on other things like gifts, trips, and goods. Starting with the annual fee of 0$, you wont get charged which is great, and the rewards you get are mainly applied to AT&T item purchases but you also get a bit back from everyday purchases. This is a great card for travelers and people who love using their phone. Compared to my favorite card, the Amazon CC its more
Oct 11, 2013
Photo of Alex S.
The AT&T Credit Card is a decent card. I like the no annual fee, as many cards have annual fees nowadays. I also like the rewards. Getting up to $350 per year is great. Since I use AT&T as my cellular phone line, this is great for me. Those $200 phones every 2 years are expensive. As with other cards, if you don't have AT&T, I'd say not to get this card, as APR is just average. But if you use AT&T frequently, then definitely consider it! I also advice that if you're just a light AT&T customer, and don't plan to use them extremely frequently,also look for another card. more
Oct 7, 2013
Photo of Jesse S.
The AT&T Credit Card is a really interesting credit card. It has no annual fee. Which something I'm crazy about. You must have a pretty good credit rating if you want to get this card though. This card offer all kind of rewards. The one I like the most is up to 350 dollars toward AT&T products a year. That means you can get your self a new phone every year with this credit card, just by using it. It does not offer an intro rate, which is kind of depressing but the APR is just 14 percent, which is decent. I have the Capital One Venture One Rewards Credit more
Sep 30, 2013
Photo of Jennifer F.
The AT&T credit card is an excellent credit card to own. I think it it is a great card to use to pay off your At&T bill each month, since it does not have an annual fee, you earn a point for every $1 spent, and you get an additional 10,000 bonus points for the first $500 you spend. I feel that this is a good option to use, especially since the points will add up if the card is used to the purpose of paying off the bill each month. The good thing about the points is that they can be redeemable for $100 gift cards.
Sep 24, 2013
Photo of Ben M.
I find this card great for exclusively paying my AT&T bill for my iPhone. I've yet to find a card that gives me 5% back on simply paying my AT&T bill. I need a cell phone, so why not get some money off my bill each month? There is a bonus of 10% off in the first year which is nice. There are ways you can earn points for purchases other than AT&T stuff, but there are tons of other credit cards that give you more cash back. Get this card if you have AT&T, otherwise give it a pass. And if you do have the card, use something else more
Sep 16, 2013
Photo of Bob S.
The ATT Universal Business Rewards card offers 5% back on AT&T services, 3% back on gas, office supplies, and professional services, and 1% back elsewhere. While these are great benefits, you're most likely better off with Chase Ink Business. The Chase card offers 3% back on gas, restaurants, office supplies, and home improvement stores. Also, the ATT card maxes out at 100,000 points a year while the Chase Ink has no rewards limit. On top of that, the Chase card also offers a much lower minimum APR.
Sep 11, 2013
Photo of Sheryl P.
The only thing the AT&T Credit card is really good for is paying for your cell phone bill. It has a first year bonus of 10% cash back, and then 5% bonus after that. It's pretty good for a credit card reward system, as you will very rarely find another card that offers that big of a cash back on AT&T. That said, the rest of the rewards are pretty average at what amounts to 1% back on every day purchases. Good if you have AT&T, but is it worth having an extra card in your wallet to save an extra 3-4%?
Sep 4, 2013
Photo of Michael S.
The AT&T credit seems like an average credit card. For those who have AT&T, it may benefit them to use this card. With 10% cash back on all AT&T products, it is a sensible decision to earn money back on products you regularly purchase. However, if you do not have AT&T, nothing special sticks out to begin using their card. I'm not a big fan of "reward points." I'd rather see cash value than having to wonder what I'm going to spend my points on. Reward points always seem good in theory, but somehow I always end up spending them on something I don't really want. So yeah, if you more
Sep 2, 2013
Photo of Lenaye H.
The AT&T Card is a basic 1% cash back credit card. The initial bonus offer of $100 is on par with other credit card offers, such as Chase Freedom and the American Express Blue Cash Everyday cards. However, the only unique benefit to the AT&T card is 10% on AT&T products for the first year, 5% thereafter. If AT&T were my mobile provider, this would be somewhat beneficial, but compared to other cards, this seems very limited. American Express offers 3% back on groceries; Chase Freedom offers 5% back on quarterly categories. This card could be appealing to a small business or an individual with a very high phone or more
Aug 27, 2013
Photo of Chris M.
The AT&T Credit Card is your average run of the mill rewards card. In fact, it is probably less than average. You get 10% off the purchase of products from AT&T, which for me isn't very useful. Also, because of the point system the reward program uses, you can only redeem it for so many things. The gift cards are nice, but I would prefer cash. Most of the gift cards aren't ones I would choose anyway. This card isn't really worth having, especially if you can get a better rewards card. But there's no annual fee, so why not I guess.
Aug 23, 2013
Photo of Michelle F.
This looks like a slightly worse-than-average rewards card, unless you're a hardcore AT&T customer. You don't get any extra points for paying for your AT&T purchases with this card, but you DO get a 10% discount on them, which in all honesty is probably the better deal. The lack of an annual fee is nice, and the intro rate & ongoing rate for purchases are about average.

My beef with this type of card is that, because your rewards accumulate in the form of points rather than actual cash, you are limited in what you can redeem for. While there is a decent selection of gift cards available, none of more
Aug 19, 2013
Photo of Steve Z.
The AT&T Credit Card is the perfect choice for any current/potential AT&T customers. The 10% discount of AT&T products/services is extremely beneficial especially if you plan on upgrading your current phone. You also receive a gratuitous amount of bonus Thank You points where you can buy almost anything; or just settle for a gift card. It's a great card with a lot of excellent incentives for using it. The only main flaw is that there is no introductory interest rate which differs from the 10 month introductory rate I am familiar with a Discover student card. Other than that, I highly recommend it!
Aug 15, 2013
Photo of Albert P.
If you're a frequent customer of AT&T through their many services, then the AT&T Credit card would probably benefit you the most. The Reward bonus for signing up is great with 10,000 points with a base/max earn rate of 1 point/$1. This card basically rewards you with shopping within AT&T and the ThankYou Bonus Center with gift cards and other amenities. In regards to the purchase, balance transfers, and cash advances, it's on par with all the other cards, with only the reward bonus being something different and beneficial to the customer. There's also automatic travel insurance and $0 liability on unauthorized charges. In comparison to Capital One's Quicksilver Cash more
Aug 12, 2013
Photo of Pat E.
This AT&T Credit Card seems like a standard run-of-the-mill rewards card, good for those who use AT&T. If you have AT&T for phone or internet service, then the initial 10% savings for the first year is great, and the 5% after that seems decent as well. The rewards themselves seem standard, as compared to other rewards cards, including the Amazon rewards card I use. However, I'd have to look up the specifics of the rewards program to see if it's worthwhile. The APR seems competitive and standard, and the $0 unauthorized charge liability is a plus as well.
Aug 5, 2013
Photo of Jordan W.
If you are an AT&T user, the AT&T Credit Card can be a great investment. This is one of the best company credit cards I’ve seen; the rewards program seems really great, and you can save up to 10% on AT&T services; those savings can add up fast for your phone, TV, and internet bills if you have these grouped altogether! However, the interest rate is mediocre, although there is a 0% rate for balance transfers for the first year. Because of the great rewards program, I would recommend this credit card for any AT&T user that wants to save!
Aug 2, 2013
Photo of Edward D.
AT&T Credit Card is an alright card if they want to get bonuses through AT&T. The biggest bonus being able to receive a 10% discount on all AT&T products and services for the first 12 months, 5% after that. So if you have AT&T phone, internet, or other services through them, just using this card will give you money back and save you a bit. They also have a decent point system to pay out bonuses and rewards based on how much you spend. Every $1 spent on the card is 1 point and those points can be put towards a $100 gift card. No introductory rates is sad but more
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Apr 6, 2012
Photo of Donna L.
By: Donna Leclair
Apr 6, 2012
Photo of Donnie M.
Donnie McPherson
where did you move?
Apr 6, 2012
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Last updated on: Sep 30th, 2014 at 7:20 EDT