Another year has come and gone with great Citi AT&T Access More card.
Although this card is one of the most valuable and lucrative cards I have – as with every card – it’s time to evaluate whether this card is worth keeping or closing before I’m on the hook for the $95 annual fee.
Call Results: My Retention Offer For The Citi AT&T Access More Credit Card
Before making any “keep or cancel” decision, I’ve found it wise to always call the card company and see if there are any retention offers available.
I called Citi customer service at the number on the back of the card. I quickly got a representative, told her I was trying to determine if I should keep the card, and asked her straight-up if there were any retention offers available to me.
Immediately she came back and said, “why yes, in fact I’m showing there is 1 offer available to you at this time”. She jumped right in with, “are you ready?”, and then proceeded to read me the following offer:
Offer #1: 2x bonus Thank You points for every dollar spent within the next 5 months, up to 45,000 bonus Thank You points.
Note: I had about $14,000+ worth of spending on this card during the prior card membership year.
To Keep Or Cancel?
Usually, this is an easy decision with this card. Why? The earning structure is one of the best of any card:
Yes, you read that correctly – 3x on retail and travel websites plus 10,000 Thank You points every year when one spends $10,000 annually.
This effectively means – assuming I spend at least $10,000 on this card in a year AND spend enough within 5 months to max out this retention offer – the minimum I can earn is 4x on all purchases! It also means the maximum I can earn is 6x on travel and retail websites!
No other card can beat that.
What Is This Retention Offer Worth?
I value Citi Thank You points at 1.25 cpp; so 10,000 (annual bonus points) + 45,000 (retention offer bonus points) = 55,000 Thank You Points which are worth $687.50 at a minimum!
The Bottom Line on My Retention Offer for the Citi AT&T Access More Card:
So did I take this offer? Damn right I took this Citi AT&T Access More card retention offer!
For me, it means a happy, albeit temporary, return to the “golden years” when I could earn 3x by paying rent on Plastiq. It also means I can earn 6x online at stores like Amazon, Costco, etc.
Cheers!
