Topic Wiki

    This Wiki is a work in progress, please contribute if you can.
    This card is closed to new applicants.

Card benefits/fees:

  • Earn $650 Credit towards the purchase of any NEW AT&T phone after $2k in purchases. the phone counts towards the limit.
  • Earn 3X ThankYouŽ Points for every $1 you spend on purchases made online at retail and travel websites, and purchases made at AT&T. No cap.
  • 10,000 Bonus Anniversary ThankYou Points after 10k spend.
  • $95 Annual fee not waived. (reports of a prorated refund for closing though).

Getting the Free Phone:

If someone on DDF goes through the process now, please report on what parts of this Wiki are still accurate. Thanks!


Everything Below this line is outdated info!
As of a Jan 2016, At&t has changed the way that you get the phone.

The online system is broken for now, so you need to go to a At&T store, buy a phone outright with the card, and send them a picture of the receipt.
You will still need to sign up for the $45 prepaid plan, but no credit check is required.

They do not even ask to see your SS#

This should be much better if you want to use the phone on another network or sell it (or possibly just return it).

The report I got said that there is no requirement to have 15 days of service, but I wouldn't rely on the rep that said that until I confirm it is true.

If you plan on using the phone, before turning on the phone for the 1st time, request that AT&T unlock the phone at  www.att.com/deviceunlock/ (for Customer Type select 'Non-AT&T Mobility customer'). If you activate the phone before requesting the unlock, your account will have to stay active for 60 days before AT&T will unlock the phone (there are reports of the phones being unlocked after closing the account, regardless of service time)


The old way it used to work, (and how it probably works now as well).

If you are on AT&T Postpaid plan:
  • You'll be able to login to your At&t Account with the link Citi sends you, and purchase any No-contract phone. Pay with this card.
  • Activate it on your plan, and use it on At&t for at least 15 days.
  • Citi will reimburse you 1-2 statements later for for up to $650 of the phone cost, you pay all taxes.

If you are not a AT&T customer:
  • You will need to pay for the 1st month service (min ~$50)
  • You will get a 2nd Hard Pull from AT&T to open a postpaid account.
  • Plenti: Before opening the Att line, make a account with plenti, and link to your AT&T account here. You should get 2,500 plenti points for opening a new Att Line (current deal until 11/26/2015), plus 400 points for using paperless billing, which you can redeem for $29 (I think this is how it works, someone who has dome this please confirm and delete this comment)


AT&T Business customers see here.[/list]
« Last edited by m.m. on September 01, 2016, 03:16:19 PM »

Author Topic: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)  (Read 71514 times)

Offline alt123

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Re: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)
« Reply #20 on: May 04, 2015, 02:46:04 PM »
so, would you say i'm better off getting a 50,000 TYP offer and using it for $500 apple gift card?
I thought the advantage of this card was the 3x TY points. Any other cards offer that?

Offline yudel

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Re: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)
« Reply #21 on: May 04, 2015, 02:58:25 PM »
I thought the advantage of this card was the 3x TY points. Any other cards offer that?
True but i'm referring to the sign-up bonus only

Offline meezewho1122

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Re: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)
« Reply #22 on: May 08, 2015, 08:45:56 AM »
did anyone apply the day this card was announced?  I want to know the exact steps you took to get the phone and credit.  Also, I'm trying to get it unlocked to use on T-Mobile netwotk, it says that plan must be active for 60 days before they provide an unlock code. True?

Offline shidduch

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Re: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)
« Reply #23 on: May 14, 2015, 03:02:57 PM »
My question after reading the terms is that it seems that you can get the phone without signing up for ATT service.  For instance you could buy a prepaid phone.  Last year I got my SGS4 from ATT prepaid and cancelled my service as soon as the phone arrive and I didnt end up paying for any service. They unlocked it right away because it was fully paid off.  Anyone think we can do this?


Offline meezewho1122

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Re: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)
« Reply #24 on: May 14, 2015, 03:30:40 PM »
My question after reading the terms is that it seems that you can get the phone without signing up for ATT service.  For instance you could buy a prepaid phone.  Last year I got my SGS4 from ATT prepaid and cancelled my service as soon as the phone arrive and I didnt end up paying for any service. They unlocked it right away because it was fully paid off.  Anyone think we can do this?


It clearly states that the phone must have active postpaid services for 15 days. where did you find other terms?

Offline Zalc

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Re: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)
« Reply #25 on: June 08, 2015, 12:28:14 AM »
I opened this card, and have some questions about redeeming the offer. Citi could not answer me, maybe someone here got the card and can answer. thanks in advance.

  • I use a AT&T Business Plan. does this count as "Qualified postpaid service"?
    Quote from: Citi/At&t T&C
    You must activate the phone with qualifying AT&T postpaid wireless service (including voice and data as applicable) and keep the phone, and remain active and in good-standing, for at least 15 days.

  • Can I buy a phone and accessories that add up to $650, or will it only cover the phone itself?

  • If I return the phone within At&t's 14 day limit, can i use the offer for another one?
    Quote from: Citi/At&t T&C
    Return/Restocking: If you return the phone within 14 days, you will not be eligible for the credit on the returned phone.
    I'm not sure what this means.

  • when does the annual fee on this card hit?

Offline meezewho1122

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Re: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)
« Reply #26 on: June 08, 2015, 01:33:40 AM »
I opened this card, and have some questions about redeeming the offer. Citi could not answer me, maybe someone here got the card and can answer. thanks in advance.

  • I use a AT&T Business Plan. does this count as "Qualified postpaid service"?
  • Can I buy a phone and accessories that add up to $650, or will it only cover the phone itself?

  • If I return the phone within At&t's 14 day limit, can i use the offer for another one?I'm not sure what this means.

  • when does the annual fee on this card hit?
My statement will close this week. Will report back.

Offline asks

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Re: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)
« Reply #27 on: June 22, 2015, 09:54:27 AM »
My statement will close this week. Will report back.
Any updates?

Offline meezewho1122

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Re: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)
« Reply #28 on: June 22, 2015, 10:20:58 AM »
Any updates?
I really don't like this offer. first statment closed all requirments met, had plan for more than 15 days. still no credit.

Offline asks

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Re: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)
« Reply #29 on: June 22, 2015, 10:24:05 AM »
I really don't like this offer. first statment closed all requirments met, had plan for more than 15 days. still no credit.
not cool. Where did you buy phone from?

Offline meezewho1122

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Re: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)
« Reply #30 on: June 22, 2015, 10:26:34 AM »
after your approved, they provide you a link found online when you log into your account. Please, NO ONE TAKE ADVANTAGE OF THIS OFFER. Rather get yourself a thank you premier/barclaycard arrival for inquiry on report!!

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Re: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)
« Reply #31 on: June 22, 2015, 10:35:59 AM »
after your approved, they provide you a link found online when you log into your account. Please, NO ONE TAKE ADVANTAGE OF THIS OFFER. Rather get yourself a thank you premier/barclaycard arrival for inquiry on report!!
Does anyone have a better experience with this offer?

Offline Barryg

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Re: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)
« Reply #32 on: July 19, 2015, 01:09:13 AM »
I searched view all offers by bank and couldn't find on creditcards.com. How come there's no search option?

Offline meezewho1122

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Re: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)
« Reply #33 on: July 19, 2015, 01:11:29 AM »
Does anyone have a better experience with this offer?

Just received my credit. please; all should be aware, credit posts on 2nd statement although terms were all met when 1st statement printed....don't get this card...just headache

Offline raccah

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Re: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)
« Reply #34 on: July 19, 2015, 02:22:56 PM »
Look I get your angst(s) - but I think u are underselling this whole thing a bit:

1) 650 for the phone
2) -95 for the AF
3) Less known fact - Plenti will pay you to get on AT&T plan
4) 45 or 50 bux for a month
5) You need 60 days on the AT&T plans to unlock the phone if you are not an existing AT&T customer

To me this works out just fine.

Offline micahfriedland

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Re: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)
« Reply #35 on: July 20, 2015, 02:08:48 AM »
Let me get this straight. And thanks for the whole list

Look I get your angst(s) - but I think u are underselling this whole thing a bit:

1) 650 for the phone
2) -95 for the AF and I can get this refunded so it's not as bad
3) Less known fact - Plenti will pay you to get on AT&T plan i looked this up online. I'll get like $25 to offset the $50?
4) 45 or 50 bux for a month
5) You need 60 days on the AT&T plans to unlock the phone if you are not an existing AT&T customer

To me this works out just fine.

Therefore all in all I'm getting 650 towards and iphone - $75 of two months ATT minus plenti's bonus.
i.e. I'm getting $575 which with the 3x rewards you're saying is better than a TY card?

Online Yaalili

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Re: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)
« Reply #36 on: July 20, 2015, 10:57:33 AM »
Look I get your angst(s) - but I think u are underselling this whole thing a bit:

1) 650 for the phone
2) -95 for the AF
3) Less known fact - Plenti will pay you to get on AT&T plan
4) 45 or 50 bux for a month
5) You need 60 days on the AT&T plans to unlock the phone if you are not an existing AT&T customer

To me this works out just fine.

Didn't know about Plenti before I just paid my bill.

Offline bznt

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Re: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)
« Reply #37 on: July 20, 2015, 10:58:47 AM »
Where can I read about plenti ?

Online Yaalili

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Re: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)
« Reply #38 on: July 24, 2015, 06:14:34 PM »
Just received my credit. please; all should be aware, credit posts on 2nd statement although terms were all met when 1st statement printed....don't get this card...just headache

Yes same experience for me.

Offline Zalc

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Re: Citi AT&T Access More Mastercard (Free iPhone 6 after $2k spend)
« Reply #39 on: August 28, 2015, 03:57:44 AM »
For me the card worked out pretty well, credit posted together with the 2nd statement, easy transfer to my checking.

Overall, $150 (AF+tax on phone) for a $625 phone was worth it to me.

(I already use Att as my carrier, so for me it was quite simple).

Data point: I'm on a business plan, and the link only takes you to the consumer side. So I was forced to buy a consumer plan with the phone.

When the phone arrived, I took out the consumer sim and put in my business one. Called to cancel the consumer plan, took 1 minute.

The time on the business plan counts for the 15 days, but you need to manually register your IMEI with Att.