DEAD as of 7/19/16:A working link per post 1049: https://www.citicards.com/cards/cred...EVZ&t=t&naInd=

You can Call Citi and convert from another Citi card over to this as of 10/30/2016

Phone Offer:

- 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 24 months.


1. What phones are eligible?
2. How do I unlock the phone to move it off of AT&T?
3. I am an existing Verizon customer and want to stay on Verizon. What do I do?
4. What websites qualify for 3X points?
5. As an existing AT&T customer, I get "PHONE OFFER HANDOFF ERROR" when attempting to select a phone to upgrade. What do I do?
6. As an existing AT&T customer, I get "Invalid Item(service SKU) in device only upgrade package" when trying to check out. What do I do?
7. How long does it take for the credit to appear?
8. Do you need to be the primary user on an existing Family Plan in order to get the phone and credit?
9. Does this work with Plenti?
10. Can you use this to buy a tablet.
11. Is there a hard pull for signing up for AT&T service?
12. I'm a current AT&T Customer. Do I need to do anything special?
13. Where is the link to buy the phone if you don't buy it upon signing up for the card?
14. Does the phone purchase offer expire?

1. What phones are eligible?

(Details on eligible phones)

2. How do I unlock the phone to move it off of AT&T?

Do not power up the phone, insert SIM card, or activate phone. Go through the unlock portal as a non-AT&T customer and request unlock code. When it asks "Are you an AT&T wireless customer?", you must select "No"! Do not enter your phone number! The IMEI can be located on the box. The unlock instructions email should arrive within 24 hours. See post 716 for detailed unlocking instructions.

When you receive the email "AT&T MOBILE DEVICE UNLOCK REQUEST RECEIVED‏" from order at ecom.wireless.att-mail.com, your device is unlocked.

You can also check the status on the website:
https://www.att.com/deviceunlock/status.html

The status should say:
"Device Unlock Status - Completed"
"Current Status: Completed"

If you already activated the phone, try any of the following:

A. Purchase an unlock code from eBay or an online vendor you trust.
B. Request an unlock code as a non-AT&T customer and hope for the best.
C. Request an unlock code as an AT&T customer. These phones should not be under contract, and should qualify to be unlocked.
D. Request an unlock code over the phone and tell them that you are traveling overseas or that "these phones were purchased contract free, and the 60-day requirement imposes a 2 month contract."
E. Use an old AT&T SIM to unlock.
F. Use an existing AT&T phone number on same AT&T account.

Note: The unlock email generally means that your phone is unlocked and nothing else needs to be done to unlock it; just follow the instructions in the email to get the phone up and running on your chosen network.

3. I am an existing Verizon customer and want to stay on Verizon. What do I do?

1. Get IMEI off bottom of box.
2. Go to https://www.att.com/deviceunlock/#/
3. Check the “I Agree” box and hit continue.
4. Select Customer type: “Non-AT&T Mobility customer”
5. Enter the IMEI and it should show the model of your phone below the IMEI.
6. Enter Name, email address, and captcha and hit “submit.”
7. You should receive an email almost immediately entitled: "Unlock Request: Confirmation Email." Inside is your request number and a link you must follow within 24 hours in order to confirm your request.
8. You should get another email almost immediately entitled: "AT&T MOBILE DEVICE UNLOCK REQUEST RECEIVED." This email also has your request number and indicates that your device is unlocked.
9. Do full backup on existing phone in iTunes (for iPhone).
10. Put existing nano-SIM into new iPhone (use paperclip to open little hatch on right of phone).
10.1. If you need a new nano-SIM because your existing phone is not an iPhone 5/6, call Verizon or chat with them and tell them you got a new iPhone 6 and would like a nano-SIM card for it. They will mail it to you for free.
11. Power up and restore new iPhone from iTunes.
12. Call or chat with Verizon and tell them that you just got a new iPhone and need them to activate the SIM, give them the IMEI number.

4. What websites qualify for 3X points?

"Earn 3X points [...] on purchases made online at retail and travel websites."
"Retail websites are websites that sell goods directly to the consumer through an online website and include department store websites, specialty store websites, warehouse store websites and boutique websites. Travel websites are websites that allow you to book travel and include online travel agencies, hotel websites and airline websites."
Source: https://www.citi.com/credit-cards/cr...re-credit-card

"Beginning July 22, 2017, you'll only receive 1 point, not 3x points, for every $1 spent online on the purchase or reloading of gift cards or on rental and real estate payments."
All payments coded as "Miscellaneous Government Services" are no longer giving 3x as of April 2018.

Alphabetical list of websites which qualify for 2 bonus points per dollar (3 points total):
1-800-Flowers @ 1800Flowers.com (Ref)
1and1.com (Direct entry)
6pm.com (Ref, Ref, Ref)
ABT.com (PayPal) (Ref)
Adidas.com (Direct entry) (Ref)
Advance Auto Parts @ AdvanceAutoParts.com (Direct entry)
Airbnb.com (Direct entry)
AliExpress (Direct entry)
AllenEdmonds.com
Amazon Prime Now @ primenow.amazon.com (Ref, Ref)
Amazon Prime Video (Ref, Ref)
Amazon Digital
Amazon Restaurants @ amazon.com
Amazon.com (Direct entry) (Ref, Ref, Ref, Ref, Ref, Ref, Ref, Ref, Ref)
American Airlines @ AA.com
American Eagle @ AE.com (Ref)
Amsoil.com (Direct entry) (Ref)
Apple iTunes (Ref, Ref, Ref)
AT&T @ att.com (Direct entry) (Ref, Ref)
B&H Photo Video @ bhphotovideo.com (PayPal) (Ref)
Barneys.com (Ref)
BayAreaFasTrak.com (Ref, Ref)
Beauty.com (Direct entry) (Ref)
Bed Bath & Beyond @ bedbathandbeyond.com (Ref, Ref)
Best Buy @ BestBuy.com (Direct entry) (Ref, Ref)
BJ's @ bjs.com (Ref)
BJ's membership @ bjs.com (Direct entry)
Blizzard Entertainment
Bloomingdale's @ Bloomingdales.com (Ref)
Blue Nile
BodyGloveHawaii.com
Bonanza.com (Direct entry)
Bovada.lv (Charged in Yuans, subject to FTF)
Bravo @ app (Ref)
Brooks Sports @ BrooksRunning.com (Direct entry) (Ref)
BrooksBrothers.com (Ref)
Bulkea.com (Ref)
Bulq.com (Direct entry)
CallingMart.com (Direct entry)
CardCash.com (Direct entry) (Ref)
CardCookie.com (Ref)
CashStar/Best Buy @ bestbuy.cashstar.com (Ref)
CashStar/Brooks Brothers @ brooksbrothers.cashstar.com (Ref)
CashStar/Dunkin' Donuts @ dunkindonuts.cashstar.com (Ref)
CashStar/Hotels.com @ hotels.cashstar.com (Ref)
CashStar/Panera Bread @ panerabread.cashstar.com (Ref)
cdkeys.com (Ref)
Charles Tyrwhitt @ CTShirts.com (Ref)
Childrens Place website
Chewy.com (Ref)
Chipolo.net (Ref)
Costco.com (Ref, Ref, Ref, Ref)
CostPlusWorldMarket.com (Ref)
Crate & Barrel @ CrateAndBarrel.com (Ref)
delivery.com @ website, app (Direct entry, Android Pay)
Dell.com (Direct entry) (Ref)
DirecTV Now @ directvnow.com (Ref)
Divers-Supply.com (PayPal)
Drugstore.com (Ref)
Dunkin' reload @ app (Ref)
E-ZPass MA @ ezdrivema.com (Direct entry)
eBags.com (Direct entry, PayPal) (Ref, Ref)
eBay/CardCash (PayPal)
eBay/Cardency (PayPal) (Ref)
efurb.com
eGifter.com (PayPal) (Ref)
EquityApartments.com (Ref)
eSaving.com (PayPal) (Ref, Ref)
EssexApartmentHomes.com
Etsy (Ref)
FinishLine.com
FoundersCard.com (Ref)
Francesca's @ Francescas.com (Ref)
GameStop.com (Direct entry) (Ref, Ref)
Gap.com (Ref)
Garden of Life @ GardenOfLife.com (Ref)
Garagiste - email wine merchant
GearBest.com (WorldPay)
GiftCard Mart @ GiftCardMart.com (Ref)
Giftcard Zen (Direct entry) (Ref)
GiftCardBin.com (Direct entry)
GiftCardRescue (Direct entry)
Goedekers.com (direct entry)
GoodEggs.com
Google Express @ google.com/express/ (Ref)
Google Fi device purchase @ fi.google.com (Direct entry) (Ref, Ref)
Google Music @ music.google.com (Ref)
Google Play @ app (Ref)
Google Store @ store.google.com (Ref)
GouletPens.com
GrabAGun.com (Direct entry)
Groupon (Direct entry) (Ref, Ref, YMMV ref, Ref)
GrubHub.com (Direct entry)
Guess.com (Ref)
GunsInc.com (Direct entry)
Gyft.com (PayPal) (Ref)
Gymboree.com (Direct entry)
HaloCigs.com (Ref)
Harry & David @ harryanddavid.com
Harrys.com
Heatonist.com (Direct entry)
HomeDepot.com (Direct entry) (Ref)
HoodLamb.com (Direct entry)
HP.com (Direct entry) (Ref)
HTC.com (Ref)
iHerb.com
IHG rewards club (cash + points booking)
Imagetoglass.com
InkPixi.com (Ref)
Instacart.com (Ref)
Intuit TurboTax (state tax e-file fee when using desktop app)
iRobot.com
J. C. Penney @ JCPenney.com (Ref)
Jared.com (Ref)
JCrew.com (Ref)
Jet.com
Jimmy Johns @ app
JINsoon.com (Ref)
JoomUnited.com (Ref)
K&L Wine Merchants @ KLWines.com (Ref) this is a little buggy....90% of the time it works but they have multiple sales types (auctions, different store, warehouse shipment pts etc)
Kate Spade @ KateSpade.com (Ref)
Kickfurther.com (Ref)
Kiehl's @ Kiehls.com (Direct entry) (Ref)
KinsaHealth.com (Direct entry)
Kohl's @ Kohls.com (Direct entry) (Ref, Ref)
LastCall.com (Ref)
LeisurePro.com (PayPal)
Lenovo @ shop.lenovo.com (PayPal) (Ref)
LillyPulitzer.com (Ref)
LimeBike @ app (Direct entry)
LivingSocial.com (Ref)
Lord & Taylor @ lordandtaylor.com
Lowe's @ lowes.com
Lucky Brand @ LuckyBrand.com (Ref)
Lyft @ app (Direct entry)
Macy's @ macys.com (Direct entry) (Ref)
MakeUseOf Deals @ deals.makeuseof.com (Direct entry)
MARTA (ATL, online Breeze card reload)
Massdrop.com (Direct entry)
Mattel.com (Ref)
MicrosoftStore.com (Direct entry; may not work as of 2018, see below)
MileagePlus X/All spend @ app (Ref)
MileagePlus X/Amazon @ app (Ref, Ref, YMMV ref)
MileagePlus X/Applebee's @ app (Ref)
MileagePlus X/Bath & Body Works @ app
MileagePlus X/Bed Bath & Beyond @ app (Ref)
MileagePlus X/Domino's Pizza @ app (Ref)
MileagePlus X/IHOP @ app (Ref)
MileagePlus X/Panda Express @ app (Ref)
MileagePlus X/Papa John's Pizza @ app (Ref)
MileagePlus X/Regal Entertainment @ app (YMMV ref)
MileagePlus X/Sephora @ app (Ref)
MileagePlus X/Staples @ app (Ref)
MileagePlus X/Starbucks @ app (Ref)
MileagePlus X/Uber @ app (Ref)
Misfit.com (Direct entry)
Misook.com
MLBShop.com @ shop.mlb.com (Direct entry)
Moosejaw.com (Ref)
Munchery.com (Ref)
Namecheap.com (Direct entry)
NameSilo.com (PayPal)
Natchezss.com (direct entry)
NatureBox.com (Ref)
NeimanMarcus.com (PayPal) (Ref)
Nespresso.com (Ref)
Nest.com (Ref)
Newegg.com (Direct entry) (Ref, Ref)
NextScripts.com (Ref)
NFL.com (Ref)
Office Depot @ OfficeDepot.com (Direct entry)
OMBWarehouse.com (Direct entry)
Orbitz.com (Ref)
PartsTree.com (Direct entry)
Pennsylvania Department of Transportation (PennDOT) @ www.dot*.state.pa.us (Direct entry)
PetSmart.com (Ref)
Phlur.com (Ref)
Picaboo.com
Porkbun.com (Direct entry)
Pottery Barn Teen @ PBTeen.com (Ref)
Priceline (Ref)
Princess Cruises @ princess.com
PrinterPix.com (Ref)
Promethease.com (Direct entry)
RadPad @ onradpad.com, app (Direct entry, Android Pay) (Ref, Ref, Ref)
Ralph Lauren @ RalphLauren.com (PayPal) (Ref)
REI.com (Ref)
RentPayment.com (Ref)
Road Runner Sports @ RoadRunnerSports.com (Direct entry) (Ref)
RockAuto.com (Ref)
Rover.com (Ref)
RunSignUp.com (Ref)
Saks Fifth Avenue @ Saks.com, SaksFifthAvenue.com (Ref)
SamsClub.com (Direct entry)
Samsung Pay/Gift cards @ app (YMMV ref, Ref, Ref)
ScoreBig.com (Ref)
Sears.com (Direct entry)
SearsPartsDirect.com (Direct entry)
Seashells @ app (Ref, Ref)
Sephora.com (Ref)
ShirtChamp.com (Direct entry)
ShoeBuy.com (Ref)
Shutterfly.com
Sierra Trading Post @ SierraTradingPost.com (Ref)
SimonMall.com (Ref)
Singapore Air (Ref)
Snow.com (Ref)
Softcard Serve loads (Ref)
Soylent.com (Direct entry)
Spotify (Ref)
Square (Food truck invoice paid online)
Staples.com (Ref, Ref)
Starbucks reload (Ref)
SteveMadden.com (Ref)
StubHub.com
SurLaTable.com
Swappable.com (Ref)
T-Mobile.com
Target.com (Direct entry, PayPal) (Ref)
Tello.com (Direct entry)
Tennis Warehouse @ Tennis-Warehouse.com (Ref)
Texture @ app (Ref)
ThankYou Points Trip Portal (if you use TYP to book a flight and have to pay part of the airfare with cash)
The Gift Card Shop @ TheGiftCardShop.com (Ref)
TheraBreath.com (PayPal)
TheStylishFox.com
Thrive Market @ ThriveMarket.com (Ref)
Ticketmaster.com (Ref)
TickPick.com (Ref)
Ting.com (Direct entry)
Toppik.com (Direct entry)
Tractor Supply @ TractorSupply.com (Ref)
TryTheWorld.com
U.S. Travel Association (USTA) Daily Getaways @ dailygetaways.ustravel.org (Ref)
Under Armour @ UnderArmour.com (Ref)
US Outdoor Store @ usoutdoor.com (Ref)
VentraChicago.com loads
Venus.com (Ref)
Viator.com (Direct entry) (Ref)
Victoria's Secret @ VictoriasSecret.com (Ref, Ref)
VirginMobileUSA.com (Direct entry)
VisionDirect.com (PayPal) (Ref)
Vitacost.com (Ref)
VitaminShoppe.com (Ref)
Vite Ramen @ checkout.rechargeapps.com (Direct entry)
Walmart @ B&M (Walmart Pay) (YMMV ref, Ref)
Walmart.com (Direct entry) (Ref, Ref)
Waste Management @ wm.com (Ref)
Wayfair.com
West Elm @ WestElm.com (Ref)
WildEdgeInc.com (Direct entry)
WineBid.com (Ref)
WordPress.com/WpChrg.com (Direct entry)
Yoycart.com (Direct entry)
Zazzle.com (Direct entry)
Zulily.com

Alphabetical list of websites which DO NOT qualify for 2 bonus points per dollar (3 points total):
AARP.org subscription (direct entry)
Adorama.com (Direct entry) (Ref)
AdvancedMedicalCertification.com
AGI Renters/Condo Insurance (as of 2/2018)
AlaskaAir.com (Ref)
Allstate.com (Ref)
Amazon Prime subscription (Ref, Ref, Ref)
American Society for Clinical Pathology (ASCP) @ ASCP.org (Direct entry)
Amex Gift Cards @ americanexpress.com/gift-cards/ (Ref)
Apple Music subscription (Ref)
AragLegal.com
Audible.com (Ref)
AwardWallet.com (Ref)
AXS.com (Ref)
B&H Photo Video @ bhphotovideo.com (Direct entry) (Ref)
BayAreaFasTrak.com recurring (Ref)
BCWSA @ schedulepayment.com/BCWSA/ (Direct entry)
Bed Bath & Beyond
Birchbox.com (Direct entry) (Ref)
BJ's Checks @ bjschecks.com (Ref)
Bluehost.com (Direct entry) (Ref)
CafePress.com (Ref)
California DMV (Ref)
CardCash.com (PayPal)
Cardpool.com (Direct entry) (Ref)
CBS All Access @ cbs.com/all-access (Ref)
Certified-Mail-Envelopes.com
ClipperCard.com (Ref)
Coinbase (Direct entry)
CollegeBoard.org (Ref)
Comcast (Ref)
Cox cable and Internet subscription (Ref)
DirecTV.com (Ref)
DonaldJTrump.com
Duluth Trading Company @ DuluthTrading.com (Ref)
Dunkin' Donuts reload (Ref)
eBags.com (Direct entry) (Ref, Ref)
eBay seller fees (Direct entry, PayPal) (Ref, Ref)
eBay shipping (PayPal)
eBay/GiftCardMall (Direct entry) (Ref)
eBay/National Gift Card (PayPal) (Ref)
eBay/PayPal Digital Gifts (PayPal) (Ref)
eBay/SVM Gift Cards (PayPal) (Ref, Ref)
eGifter.com (Ref, Ref)
Excellus BlueCross BlueShield @ ExcellusBcBs.com (Ref)
Experian.com (Direct entry)
Expertflyer.com (membership)
Farmers.com (Direct entry)
FedEx.com
FreedomPop.com (Direct entry)
GEICO.com (Ref)
Gift Card Mall @ GiftCardMall.com (Direct entry) (Ref, Ref)
Gift Card Mall/Kroger @ kroger.giftcardmall.com (Direct entry) (Ref)
Gift of College @ GiftOfCollege.com (Ref)
GiftCards.com (Ref, Ref, Ref) (Some success calling in)
GiftCardSpread.com (Ref, Ref)
Google Cloud/G Suite @ admin.google.com (Direct entry)
Google Drive storage (Ref)
Google Fi recurring monthly service (Ref)
Grand Teton Lodge Company @ gtlc.com (Awarded after calling Citi)
GunBroker.com (Account verification)
Gyft.com (Direct entry) (Ref)
H2OWirelessNow.com
Happy Hollow Park & Zoo @ hhpz.org
HawaiianAirlines.com
Honeyfund.com (Ref)
Hulu (Ref)
IncFile.com
Intuit tax preparer bill
iTechDeals.com
Kiva.org
LandsEnd.com (Ref)
Lenovo @ shop.lenovo.com (Direct entry) (Ref)
LivingSpaces.com (Ref)
LumberLiquidators.com
Meh.com (Ref)
Metro State University (MSU) Denver @ unisainc.com (Ref)
Metromile.com Insurance
Microsoft.com (Office 365 license, July 2018)
MyGiftCardsPlus.com (Ref)
Nationwide Buxx (NW Buxx) loads
Netflix (Ref, Ref)
New York DMV @ dmv.ny.gov (Ref)
Nike.com (Ref)
Notre Dame Bookstore @ eFollett.com, bkstr.com (Direct entry) (Ref)
The New York Times digital subscription @ NYTimes.com
OfficialPayments.com (CA FTB 540-ES)
Optimum cable subscription (Ref)
Outlook Printing Solutions/Philly Pretzel Factory gift cards @ shop.phillypretzelfactory.com (Direct entry)
Papa John's Pizza @ papajohns.com (Visa Checkout)
Pay1040.com
PayPal/P2P (Direct entry) (Ref)
PayPal/USPS shipping @ paypal.com/shipnow (PayPal)
Plastiq cars and other vehicles/Toyota Financial (Ref), Volkswagen Credit (Ref)
Plastiq IRS federal taxes (YMMV ref, Ref)
Plastiq mortgage (Ref)
Plastiq rent (Ref, Ref)
Plastiq utilities (Ref, Ref)
Plastiq/Navient (Ref)
Points.com (Ref)
Proactiv.com (Ref)
Progressive.com (PayPal) (Ref)
PumpItUpParty.com
Raise.com (Direct entry) (Ref, YMMV ref)
Rakuten.com
RingPlus.net (Direct entry)
Rodan + Fields @ RodanAndFields.com (Direct entry) (Ref)
RoomiPay (Ref)
Samsung.com (direct entry) coded as Services - Computer Network/info Srvs
Santa Clara County Department of Revenue @ sccgov.org
SaveYa.com (Direct entry) (Ref)
Seashells @ shopseashells.com (Ref, Ref)
Seattle meter parking (Ref)
Shop.com (Direct entry) (Ref)
Sling TV @ sling.com (Ref)
Southwest Airlines @ southwest.com (Ref)
Square Cash @ app (Direct entry) (Ref, Ref, Ref)
Starbucks.com egift cards (Direct entry) (Ref)
Starwood points @ storefront.points.com (Ref)
Stein Your Florist @ SteinYourFlorist.com (Direct entry)
Stylenanda (PayPal) (Ref)
Symantec/Norton
TheraBreath.com (Direct entry)
Thomson Reuters Westlaw @ ThomsonReuters.com (Ref)
Time Warner Cable (Ref)
U.S. Mint @ USMint.gov (Ref)
US Buxx loads (Ref)
USPS.com (Direct entry) (Ref)
UPS.com (Paypal)
Venmo (Direct entry) (Ref)
Vivint.com
Vudu.com (Direct entry)
Walmart @ B&M (Walmart Pay) (Ref)
Waterpik Store @ waterpik-store.com (PayPal)
White Mountain Puzzles @ WhiteMountainPuzzles.com (Ref)
Woot.com (Amazon Pay) (Ref)
Xero.com (Ref)
Zappos.com (Ref, Ref)

Special note about eBay and PayPal - varies widely as to whether the bonus points are awarded. It seems to vary depending on merchant with no real discernible pattern.
(Ref, Ref, Ref, Ref, Ref, Ref, Ref, Ref, Ref)

From Citi, excluded categories include "medical services, insurance, taxes and government services, education, charities and utilities".
Source: https://www.citi.com/credit-cards/cr...re-credit-card

5. As an existing AT&T customer, I get "PHONE OFFER HANDOFF ERROR" when attempting to select a phone to upgrade. What do I do?

If you have a problem matching this description by FT member sbc94523:

then new FT member thereal25 discovered that you can use the following trick:

6. As an existing AT&T customer, I get "Invalid Item(service SKU) in device only upgrade package" when trying to check out. What do I do?

There is probably a Foundation Account Number (FAN) associated with your AT&T account as a result of a discount you get from your employer. See vvslavavv's solution in Post 354.

You will also get an email to your work email with any steps required to re-add the FAN.

Thanks to TennisNoob for info on calling in.

7. How long does it take for the credit to appear?

YMMV. People have reported it showing up on the first statement that includes the phone charge and as many as two statements later. Sometimes it is necessary to fax in the receipt to Fax Number: 866-799-5591 in order to get it credited.

8. Do you need to be the primary user on an existing Family Plan in order to get the phone and credit?

No. See Post 414. Thanks jjmiller69.

9. Does this work with Plenti?

Yes. See Post 509. Thanks touristtrap.

Sign up for Plenti, (see the Plenti benefits page for AT&T).
Search for "link Plenti" when in your AT&T account and follow the link.
Receive: 1 point per dollar on phone purchase, 5000 for new service, and 500 for setting up paperless billing after linking your Plenti account. Note: Amounts may have decreased since initial report.

10. Can you use this to buy a tablet?

No. There are no tablets on the page linked to this offer.

11. Is there a hard pull for signing up for AT&T service?

Yes. For new AT&T customers, the hard pull is likely to be on Equifax, although it could be any of the 3 CRAs according to CSR. For existing AT&T customers of at least 6 months, there is no hard pull but likely a soft pull instead.

See "Hard Inquiry from Cellphone Providers, Citi/AT&T Credit Card":
http://www.doctorofcredit.com/hard-i...t-credit-card/

12. I'm a current AT&T Customer. Do I need to do anything special?

Nope. No sneakiness required here. The card application will ask if you're a current AT&T customer - you can say yes. And you can buy the phone for a line that's still under contract without any problem - that's kind of the point of this card.

13. Where is the link to buy the phone if you don't buy it upon signing up for the card?

After you get your credit card, activate it and register it on Citi or link it to your other Citi accounts. Under the Citi AT&T account, look for my offers. This offer is not instantly available, in my case, it took 30 minutes for it to show up. [Please feel free to edit this.]

14. Does the phone purchase offer expire?

The minimum spending requirement expires in 3 months. The phone purchase requirement is indefinite. It says "now or later".

"You may redeem the Phone Offer using the link at any time after your Card account opening."

"Offer is valid for a one time statement credit up to $650 for one eligible phone, is not transferrable and so long as your card account is open and current, does not expire."