AT&T Points Plus® Card From Citi: A No-Annual-Fee Card for AT&T Customers
Earn 2X points on AT&T purchases and groceries, plus 3X points on gas, while enjoying valuable savings on AT&T services with a $0 annual fee.
The Bottom Line
On Citi's Secure Website
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.49% - 27.49% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards Earn 3X points on gas & EV charging, 2X on groceries and eligible AT&T purchases, plus 1X on all other purchases.
1x - 3x Points
Welcome Offer Earn a $200 bonus after spending $1,000 in the first three months.
$200
Pros and Cons
Pros:
- 3X points on gas & EV charging stations
- 2X points on groceries and eligible AT&T purchases
- No annual fee
- Monthly savings on eligible AT&T wireless and internet service when enrolled in Autopay and paperless billing
- $20 statement credit each billing cycle when you spend at least $1,000 during that billing cycle
- No foreign transaction fees
- Sign-up bonus
Cons:
- No introductory 0% APR offer for purchases or balance transfers
- No cell phone protection
- High regular APR
- Some card benefits are limited to AT&T customers
Welcome Offer
- Earn a $200 bonus after spending $1,000 in the first three months.
- Eligibility: You may not qualify for the welcome bonus if you received an offer for opening an AT&T Points Plus® Card within the past 48 months.
Rewards
- 3X ThankYou® Points at gas and EV charging stations.
- 2X ThankYou® Points Categories:
- Grocery stores.
- AT&T products & services.
- 1X ThankYou® Point ** on all other purchases.
Redemption Options
Redeem ThankYou® points for:
- Gift cards.
- Travel rewards.
- Online shopping at participating merchants.
- Other options.
Fees and APR
- Annual Fee: $0.
- Regular APR: 19.49% - 27.49% Variable APR.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: None.
Annual Credits & Statement Credits
- $20 Monthly Statement Credit: Earn a $20 statement credit after spending $1,000 on purchases each billing cycle. That’s up to $240 in statement credits per year if you meet the spending requirement every month.
- AT&T Bill Discounts: Save $10 per wireless line each month and $10 per month on eligible AT&T internet service when enrolled in AutoPay and paperless billing.
Convenience Features
- Authorized Users: Add authorized users at no cost and earn rewards on their purchases.
- Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay.
Nice Extras
- Entertainment Access: Citi Entertainment® (presale ticket access and occasional exclusive events).
- Citi Travel®: Integrated travel booking portal (book flights, hotels, car rentals, and attractions using your eligible Citi card, points, or a combination of both).
Buy Now, Pay Later Options
Citi® Flex Pay: Buy now and pay over time with fixed monthly payments on eligible purchases of $75 or more, while still earning points on your purchases.
Additional Features
- Card Lock: Citi Quick Lock (temporarily blocks new purchases while allowing recurring transactions).
- Identity Theft Assistance: Mastercard ID Theft Protection (identity monitoring alerts and guided recovery support).
Ratings
- Net Value & Cost Efficiency: 9.7/10
- Rewards & Earnings Power: 8.8/10
- Welcome Bonus Value: 8/10
- First-Year Earning Boost: 0/10
- APR & Interest Structure: 2.8/10
- Simplicity & Transparency: 8/10
- Perks, Benefits & Protections: 1.9/10
- Issuer Credibility & Stability: 6/10
- Installment & BNPL Features: 7/10
- Eligibility & Approval Accessibility: 7.5/10
Big4Credit ratings are based on our independent analysis of each card’s features, value, fees, rewards, and benefits. Card issuers do not influence our ratings.
Terms and Conditions
Click Apply Now to see the terms and conditions.
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The information about the credit cards has been collected independently by big4credit.com. The card details have not been reviewed or approved by the card issuer.