The signup bonus on this card is also very interesting, you will get a unlocked phone up to $650 if you spend $2,000 within 3 months of new account opening. Here are the details of the offer. It requires some work, but if you want a new unlocked phone, this surely worth considering.
"Spend $2,000 in purchases with your AT&T Access More Card within 3 months of account opening. Use your card, now or later, to buy a new phone from AT&T, at full price and with no annual contract. Make your phone purchase using your unique phone offer link (which will be provided to you), activate and maintain service with AT&T for 15 days. If you buy a new phone now it will count toward the $2,000 in qualifying purchases! Citi will then credit your AT&T Access More Card account for the cost of the phone up to $650 (exclusive of taxes, shipping, fees & wireless service). Phone Offer Credit is not available if you have had an AT&T Access More Card account that was opened or closed in the past 18 months."
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