Middle Age Miles

Another Year, Another Awesome Retention Offer on the Citi AT&T Access More Card

citi at&t access more card retention offer thankyou points
Citi AT&T Access More Mastercard

Executive Summary

I’m a little sheepish about writing this post. It feels braggy, when in fact I’m just walking around lucky.

For the third straight year, I’ve received an awesome retention offer on my Citi AT&T Access More card – 2 additional ThankYou Points (TYPs) for all purchases within the next 6 months, up to a maximum of 35,000 TYPs.

I delightedly accepted the offer, paid the $95 annual fee, and will keep the card and continue to earn lots of TYPs with it in 2020.

I only wish that we could find a way to get more people into this valuable card product.

Background Info About My Citi AT&T Access More Card

I picked up this card back in September 2017, when I product-changed from an unneeded Citi AA Platinum card to the Citi AT&T Access More (ATTAM) card. Back then, this card had intrigued me for some time, primarily because of its unique bonus category – 3x TYPs on online retail and travel purchases. For us, prior to that time, many online retail purchases were simply unbonused spend, at best earning 1.5x Ultimate Rewards (UR) points on Philly’s Chase Freedom Unlimited card (if they weren’t being used to meet a minimum spend requirement or a big-spend bonus threshold). I was also interested in the potential to use the ATTAM card for “strategic spend” opportunities.

Once the annual fee posted in late 2017, I took a flyer and called Citi to fish for a retention offer. Much to my surprise, I received a fantastic offer – 2 additional TYPs for all purchases within the next 6 months, up to a maximum of 35,000 TYPs. When the card renewed again in late 2018, I called and received the same great retention offer again. Needless to say, we maxed out the promotion!

During 2019, we had pretty high spend on the card, much of it “strategic” in nature but with a bit of organic spend mixed in. Our stats for the year were:

  • 2019 Spend = $39,881.54
  • 2019 TYPs Earned = 154,163
    • Worth $1,927.04 toward travel at 1.25 cents per TYP, booking through the Citi ThankYou travel portal
    • This total includes 35,000 TYPs from last year’s retention bonus, plus 10,000 TYPs from the AT&T Access More card’s annual bonus for spending $10,000 during a cardholder year
Philly and I used Citi ThankYou Points to fly home from Paris this summer after a beautiful morning run on the grounds of the Palace of Versailles!

Sadly, our primary “strategic” spend opportunity on the ATTAM card died in mid-summer and hasn’t returned. Our spend on the card dropped dramatically afterwards and had been only a couple hundred dollars a month from our September statement through our December statement.

What Earns 3x TYPs on the ATTAM Card?

The key details of the ATTAM card are:

  • Annual fee = $95
  • Points-earning structure
    • 3x TYPs/$ on online retail and travel
    • 3x TYPs/$ on AT&T purchases
      • Unfortunately, there’s no cell phone coverage with the ATTAM card. Also, on our non-cell AT&T purchases, we can earn 5x Ultimate Rewards points by using a Chase Ink Cash business card. So, ironically, we don’t use ATTAM card for any AT&T purchases!
    • 1x TYP/$ on everything else
  • 10,000 TYP bonus if you spend at least $10,000 on your ATTAM card during your cardmember year

Although “online retail and travel” seems straightforward enough, in practice the 3x points-earning is implemented very inconsistently by Citi. We’ve experimented a fair bit with what earns 3x, as this is a best-in-class return for most online retail purchases – when it works. Early last year, we published an extensive guide on what earns 3x TYPs on ATTAM:

We plan to publish an updated article on this topic (“Two Years of Experimenting …”) very soon. Stay tuned.

Our Retention Call

After receiving the December statement where our annual fee posted on the ATTAM card, but before the payment came due, I called the customer service number on the back of my card (855-488-6642). As usual for retention calls, I said that I had recently received a statement where my annual fee posted, that I am considering whether to keep the card or cancel it, and that I was wondering whether there were any retention offers that would help me choose to pay the fee and keep the card for another year. I did not mention how much I had spend or make any other “pitch” as to why I should receive a retention bonus.

The first agent checked my account and said that she needed to transfer me to, which is standard when a retention offer will be forthcoming.

I then spoke with a pleasant agent who identified herself as a Senior Account Specialist. Unfortunately, just as she was starting to give me some retention offer options, the call abruptly dropped.

I called back, went through the same process, and was transferred to another Senior Account Specialist. The agent confirmed that she had an offer for me, and read off the offer I was hoping for – 2 additional TYPs per dollar of spend for the next 6 months, up to 35,000 TYPs total (that is, on up to $17,500 in spend). I was giddy and immediately accepted. (Perhaps I should have listened to other offers, but this one was a home run that I was delighted to accept!)

I’m elated to get this awesome offer yet again, for the 3rd straight year. We’ll make sure to do the entire $17,500 in spend to earn 35,000 TYPs. By doing so, we’ll also qualify ourselves for the annual bonus of 10,000 TYPs. And hopefully, this spend will help us get another great retention offer next year! (Fingers crossed that the card stays alive long enough for another renewal, and hopefully forever!)

We also used TYPs for our flights to Cyprus last fall, where we visited the ancient Roman ruins at Paphos!

What’s the Current Status of the ATTAM Card?

The answer here is a sad one – to our knowledge, it’s not possible to get the ATTAM card now.

The ATTAM card hasn’t been available for new sign-ups in about 3 years.

For a while after it was made unavailable for applications, though, Citi allowed holders of other Citi cards to product-change to ATTAM. As we mentioned earlier, that’s how I was able to get an ATTAM card in September 2017. Some angles for product-changes into ATTAM remained alive into 2018, but they seem to have been entirely dead for more than a year now. We finally pronounced it dead for product changes in July 2019:

Since we published that article, we haven’t seen any data points of anyone being able to PC to an ATTAM card. We tried again ourselves as recently as November 2019, with a Citi AA Platinum card, but we were told the same thing we’ve heard for a long time now, that the ATTAM is not available.

We really wish we could find a way to get more people an ATTAM card, because it’s truly been one of the most valuable cards in our portfolio for the past 2½ years. Plus, we enjoy experimenting with it and writing about it.

For those who still have an ATTAM card (or two, or three – looking at my friend Grant from Travel with Grant!), hang onto it, use it well … and be sure to call in each year for a retention offer!

What’s your experience with the Citi AT&T Access More card and retention offers? How do you use your ATTAM card? Please share with us and other Middle Age Miles readers in the Comments!

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13 thoughts on “Another Year, Another Awesome Retention Offer on the Citi AT&T Access More Card

  1. Grant

    First of all, congrats on another great retention offer. And secondly, thanks for the shout out 🙂

    I currently use 1 primary ATTAM CC year round and the make sure to spend the $10,000 on the other 2 ATTAM CCs. I do a decent amount of MS on my primary ATTAM, so I could probably get a decent retention offer, but I would rather not have a Citi agent looking at my transaction history. Therefore I just pay the AF and not call in for retention offers.

    1. Craig at Middle Age Miles Post author

      Hey Grant – Thanks. As ecstatic as I am about my retention bonus, I understand where you’re coming from on not calling in and not having an extra set of Citi eyes on your account. Someday when I get shut down and you’re still making bank, I’ll remember this conversation 🙂

    1. Craig at Middle Age Miles Post author

      Hi TimmyD – I don’t say “retention” (I don’t think the system recognizes that word anyway) and I certainly don’t say “close” or “cancel” for fear of an automated cancellation. I always just repeatedly say “agent” or “representative” and/or press zero (or whatever is the number for an agent) until I reach a human. Sometimes it takes a while!

      Have a great weekend! ~Craig

  2. TimmyD

    Okay cool. I barely use my ATT anymore since it stopped working with Plastiq, so I don’t think I’ll otherwise keep it. I’m not sure how you guys MS with it. Does it work 3x with giftcardmall or one of those sites?

  3. Rabbmd

    Watch for your January statement close. I noticed a huge reduction in what earned 3x ty vs 1x ty point. Im escalating but there are similar reports on flyertalk that something changed mid December to reduce what previously earned 3xty points.

    1. Craig at Middle Age Miles Post author

      Hi Rabbmd – Many thanks for the great comment and heads-up. I just scanned the FlyerTalk thread and see what you’re talking about. I had noticed one change recently – a StubHub charge in November earned 1x whereas StubHub had earned 3x in the past. Some of the DPs on FlyerTalk look similar; one person specifically mentioned Ticketmaster as changing to 1x.

      I’ll study this a little more before I post an article about 3x earning. My Jan statement closes on Monday.

      Have a great weekend! ~Craig

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  5. aubergine

    Does that retention offer point bonus post each month as spend accrues, or is it a lump sum at the end up the 6mo period like the Sears card usually does?


    1. Craig at Middle Age Miles Post author

      Hi aubergine – Good question. The retention offer bonus posts each month as spend accrues. It’s a nice bump to the TYP balance each month! 🙂 ~Craig

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