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In my opinion, there are 3 different types of credit cards that are
- Cards to get for their signup bonus (just about every card IMO)
- Cards to get for their annual benefits (IHG free anniversary nights)
- Cards to get because of their bonus spending categories (hello 5x at office supply stores from the Chase Ink)
The Citi AT&T Access More card had a good signup bonus (discontinued) and it does have an annual benefit for 10,000 ThankYou points for spending $10,000 on the card (though that just offsets the $95 annual fee)
Where the Citi AT&T Access More card shines however is in the 3rd category because it gives 3x ThankYou points at online retailers. This includes Plastiq (which I use to pay my mortgage for “free” money)
How to get the Citi AT&T Access More card
Back in the day, the AT&T Access More card came with a signup bonus of a “free” phone up to $650 after meeting your minimum spend. But recently, Citi took down all of the signup application links for the Citi AT&T Access More card, so it’s not currently possible to sign up for the Citi AT&T Access More card as a new application.
A few months ago, I wrote an article about how you COULD still get the Citi AT&T Access More card, by converting / product changing a different Citi card to the AT&T Access More cards
Datapoints from people not being able to convert to an AT&T Access More
Since I wrote that original article back in August, I’ve seen data points from people on the Points With a Crew miles and points Slack channel, to other online forums and blog comments saying that they were not able to product change various Citi cards to the AT&T Access More card.
How I product changed to an AT&T Access More card (this week)
I signed up for the AT&T Access More card earlier this year, but it very annoyingly came with only a $1000 credit limit (seriously!), so it’s made using it quite difficult. Earlier this week, I decided to close one of my Citi Hilton cards.
On the phone with Citi, I thought I would first check to see if I could instead product change to the AT&T Access More card instead… and it worked!
Here are the secrets for how I was able to product change to an AT&T Access More card…. just kidding – there are no secrets. It was super easy!
I didn’t do anything special – I told her what I wanted, and a brief hold she came back and started reading me all the standard disclosures – annual fee (mmhmm), please destroy all your cards (mmhhmmkay) and make sure to stop any automatic payments (will do). She was also very excited about wanting me to do a balance transfer (no thanks)
So…. I just wanted to give this data point for people that are saying that it can’t be done – this may be a situation for you to try HUCA (Hang Up, Call Again)
Do you have any data points on product changing / converting another Citi card to the AT&T Access More card? Leave them in the comments
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Dan Miller travels with his wife and 6 (SIX!) children. He loves to help families travel for free / cheap, especially larger families. If you are looking for help, drop him an email at 
Just did this last week! PCed from an old Dividend Platinum Select card with no fuss.
How does this work with the Citi 24 month no open/close rule for the same family of cards? Does this mean that you have to wait 24 months to be approved for both a Hilton and TY points card or does it slide under the radar for both? Also, what’s the annual fee? Thanks.
Dan?
Sorry – I try to keep on the comments but am not always successful. If you have a specific question for me, best to email me.
To answer your first question, yes I think it would (except it’s for AT&T not Premier / Prestige as those are separate categories). Annual fee is $95 but you get a bonus of 10K TYP if you spend $10K on the card over the year
I’d be interested to see how this shakes out. I tried to do this a few months ago and despite being told I was getting the access more card, I ended up with the access card.
Yes we’ll see (I’ll write a followup when it comes). I did attempt to verify that on the phone and she said it was the Access More and confirmed the $95 annual fee and the 10,000 TYP anniversary bonus (both of which I don’t think come with just the Access card?)
I just got the Access card and was hoping it was going to be Access More. Anyway, I do get 10K TY points after $1000 spend. This card does come with 2x points for online retail purchases. I am setting my cash advance to zero, before trying this with either Plastiq, or one of my church donations.
I am going to try and convert my Prestige card to the More card just before it is time to close it.
My understanding is that you can PC when in your 11th month of a new card. Normally you’d have to wait a full year, so this is a nice feature if still available.
Just did the product change from Premier to ATT Access More card. I was just about to cancel the Premier and it hit me, why not try this. It had failed a few months ago. She read me all the things noted in the article above and told me to continue to use the Premier until More car arrives in 10 days. Got about $7000/month I could easily do on Plastiq. This could potentially be alot of TY points.
Any idea if its still possible to upgrade to citi access more?
should i just get the no annual fee one to try first?
I’m not sure. Try calling in and asking and report back with what you find!