The Citi AT&T Access More card is one of our very favorite credit cards. Much of the love stems from a bonus category that for at least the last 2-3 years has been unique in all of the credit card world – 3x ThankYou Points (TYPs) on online retail and travel purchases. This bonus category gives us 3x earning on a lot of online retail purchases that would otherwise be unbonused, which in turn brings us more points that we can use to travel for less!
Another huge factor in our love for this card stems from the fact that we’ve gotten spectacular retention bonuses on the card for each of the past 2 years. Last week, we wrote a well-received article on our most recent retention call and bonus – Did I Get an Awesome Retention Offer on My Citi AT&T Access More Card? Why yes. Yes, I did. In that article, we promised a follow-up on one year of experimenting and earning with the AT&T Access More card. And that’s where we’re headed today.
It’s been fun to experiment with the AT&T Access More card to see what earns 3x TYPs as online retail and travel. Sometimes things that you don’t expect to earn 3x do, and occasionally things that seem like they should earn 3x don’t. The Wiki at the top of this Flyertalk thread was very helpful and gave us ideas of things to try and places to avoid (however, it’s not entirely clear to me whether this Wiki is kept current).
As a result of experimenting freely with the AT&T Access More card, we found some nice spend opportunities that worked to earn 3x TYPs. As a result, we had high spend on this card during 2018 – much of it “strategic” – and we earned a lot of TYPs!
- 2018 Spend = $68,500
- 2018 TYPs Earned = 207,000
- Worth $2,587.50 toward airfare at 1.25 cents per TYP, booking through the Citi ThankYou travel portal
- This total includes 35,000 TYPs earned during 2018 from a retention bonus and 10,000 TYPs from the AT&T Access More card’s annual bonus for spending $10,000 during a calendar year
Experimenting and Earning 3x TYPs
Overall Observations Regarding Spend, and Our Key 3x-Earning Categories
Looking back at our 3x spend on the Citi AT&T Access More card for the past year, most of it can be broken down as follows:
- Bravo app payments
- MileagePlus X app, to purchase electronic gift cards
- Walmart Pay at self-checkout
- “True” online retail purchases
- Our IT/Computer support company (now dead for 3x earning)
- This one was actually quite a pleasant surprise for us as we weren’t quite sure why it was earning 3x. Unfortunately, after many consecutive months of 3x earning, it changed to 1x in November.
- RoomiPay (briefly earned 3x in early 2018; now completely dead as a service/vendor)
- Ah, RoomiPay. Brilliant while it lasted, but its life span was far too short. RIP, RoomiPay.
The first three of these are valuable in our points-earning strategies. In football terms, Bravo is an All-American; MileagePlusX is All-Conference, and WalMart Pay at self-checkout is a solid starter.
Bravo is an app primarily designed for modest-sized person-to-person payments (www.trybravo.com). You may remember it from a Shark Tank episode that originally aired in late 2017, where Bravo raised $150k from Mark Cuban and Lori Greiner (see a detailed recap here). We’re not sure what the single-transaction limit is on Bravo, but we understand that it may be $500. We have successfully made payments in the $300-400 range with no problem, but we are careful to space them out a bit to hopefully stay under the radar and not kill this golden goose. Bravo charges a 2% transaction fee for person-to-person payments and has consistently earned 3x TYPs on the AT&T Access More card.
The MileagePlus X (MPX) app is a feature of United Airlines’ MileagePlus frequent flyer program (see more information on MPX here). For our purposes, its main feature is that it allows you to purchase electronic gift cards (eGCs), usually for any dollar-and-cent amount of your choice within its limits, for a variety of participating merchants. For your MPX eGC purchase, you earn United MileagePlus miles (usually ranging from 0.5 miles to 5 miles per dollar), plus you can earn points/miles/cashback through the credit card you use. One huge benefit of MPX is that you can make your MPX eGC purchase right at the point of sale, once you know your exact purchase amount. For example, if we’re buying $68 worth of candles at Bath & Body Works (BBW), I can order a BBW eGC on the spot through MPX, for exactly $68 (no worry about keeping up with a GC, and no worry about breakage). For that purchase using my AT&T Access More card, I’ll earn:
- 5x United miles for a total of 340 miles (this is a 7.0% points rebate at 1.4 cents per mile); plus
- 3x TYPs for a total 204 TYPs (this is a 3.75% points rebate at 1.25 cents per TYP)
That’s a nice haul. It’s tough to beat a points rebate of 10.75% on a transaction that would otherwise be unbonused spend! In our experience, eGC purchases through the MPX app have reliably earned 3x TYPs on the AT&T Access More card, at all MPX merchants.
We have also found that using the AT&T Access More card through Walmart Pay, at self-checkout, reliably earns 3x TYPs. We’ve tried a number of experiments with the card, Walmart, and Walmart Pay, and this is the one combination – Walmart Pay at self-checkout – that earns 3x TYPs. This payment method also comes with the benefit that you can then easily submit your receipt into Walmart’s “Savings Catcher” feature, which can result in an additional refund in the form of Walmart Pay credit.
What Merchants Earn 3x TYPs on the AT&T Access More?
Here’s a complete list of merchants where we’ve earned 3x TYPs for online retail/travel purchases using the AT&T Access More card:
- 6PM.com (shows on statement as ZAP * 6PM.com)
- ABT.com (Abt Electronics)
- Adidas.com (shows on statement as Adidas Online Store)
- AE.com (American Eagle Outfitters)
- Includes merchandise, Amazon Digital Services, Amazon Services-Kindle, Amazon Video, and Prime Video; BUT NOT Amazon Prime Membership charge
- Amazon Marketplace
- Apple iTunes (shows on statement as APL * iTunes.com)
- Includes music/video rentals and purchases; BUT NOT monthly subscription for Apple Music
- Bravo Tip or Pay app
- BrooksRunning.com (shows on statement as Brooks Sports Web Sale)
- Google Project Fi (for new cell phone)
- JoomUnited.com (online software vendor)
- Kiehls.com (shows on statement as Loreal *Kiehl’s EComm)
- MileagePlusX (eGCs through MPX app; successful for all merchants)
- Successful MPX merchants include: American Airlines (taxes on award tickets); American Eagle Outfitters; Barnes and Noble; Bath & Body Works; Chipotle; Crate and Barrel; Dickey’s BBQ Domino’s Pizza; Fleming’s Prime Steakhouse; Gap; IHOP; J Crew; JC Penney; Jiffy Lube; PF Chang’s; REI; Saltgrass Steak House; Top Golf; Ulta Beauty; WalMart
- NextScripts.com (online software vendor)
- RoadRunnerSports.com (shows on statement as RRS*Road Runner Sports)
- SignUp (this is a service for running races; our specific race was the Dallas Jingle Bell Run)
- Viator.com (shows on statement as Viator/TripAdvisor)
- WalMart & WalMart Supercenter (WalMart Pay at self-checkout)
What Merchants Did NOT Earn 3x TYPs?
Here are a few merchants we’ve tried but didn’t earn 3x TYPs on the AT&T Access More card:
- Amazon Prime Membership
- Apple Music subscription
- CBS All Access (monthly subscription)
- Gift of College.com (online eGC purchases)
- Metro State University in Denver (online payment for tuition & fees)
- Rodan and Fields.com (shows on statement as RODANFI*LDS 415273800)
- This one was surprising as it was a true online purchase of retail merchandise at rodanandfields.com. Coded as “Merchandise – DIRECT MARKETING/DIRECT MARKETERS.”
- Seattle Meter Parking (thought this might be 3x as online travel)
- Thomson Reuters / Westlaw (online payment for legal research services; too bad for lawyers!)
- University of Notre Dame Catalog Bookstore – eFollett/bkstr.com
- This was surprising, but there may be an explanation. We had one product substitution after the original online order, made when a bookstore rep called to say an item was out of stock. This may have resulted in a change from an online sale to an on-site sale.
- WalMart (in-store payments other than WalMart Pay at self-checkout)
- This is indeed puzzling. (Ha!) It was an online purchase of retail merchandise.
- Woot.com payment using Pay with Amazon feature (shows on statement as AMZ*Woot, Inc.)
- This one was somewhat surprising. It was an online purchase of retail merchandise at woot.com, using the “Login with Amazon” feature to pay (required in order to get free shipping as an Amazon Prime member). Coded as “Services – BUSINESS SERVICES, NOT ELSEWHERE CLASSED.”
We hope you’ve enjoyed this article, and we hope we’ve given you some great tips that you can use to earn more points and live your travel dreams with 3x TYP earning. Good luck!
What’s your experience with 3x earning on the Citi AT&T Access More card? If you know of other merchants that reliably do or surprisingly do not earn 3x on the card, please share with us in the Comments!
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