AT&T Points Plus® Card From Citi
$200 welcome bonus + up to $240/year in statement credits for $0 annual fee
The AT&T Points Plus Card pairs a $200 welcome statement credit with up to $240 a year in statement credits ($20 for each billing cycle with $1,000+ in purchases). Earn 3x ThankYou Points at gas and EV charging stations, 2x at grocery stores and on AT&T products and services, and pay no annual fee and no foreign transaction fees.
- Annual Fee
- $0
- statement credit · Welcome Bonus
- $200
- Top Rate
- 3X
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard Standard
- Rewards Currency
- Citi ThankYou Rewards
- Credit Required
- Good
Welcome Offer
Bonus: $200 statement credit
Spend: $1,000
Period: 3 months
Earning Rates
- 3X
Gas Stations
Earn 3 ThankYou® Points for every $1 spent at gas and EV charging stations.
- 3X
Electric Vehicle Charging
Earn 3 ThankYou® Points for every $1 spent at gas and EV charging stations. (EV charging row: same tier as gas, per the issuer's wording)
- 2X
Grocery Stores
Earn 2 ThankYou® Points for every $1 spent at grocery stores, including grocery delivery services.
- 2X
Att
Earn 2 ThankYou® Points for every $1 spent on AT&T products and services.
Earning Scenarios
3x points at gas and EV charging stations
Earn 3 ThankYou Points for every $1 spent at gas stations and EV charging stations — no cap on what you can earn.
Spend $300/month on gas = 10,800 points/year ($108 value)
2x points at grocery stores
Earn 2 ThankYou Points per $1 at grocery stores, including grocery delivery services. Earn 2 points per $1 on AT&T products and services too.
Spend $400/month on groceries = 9,600 points/year ($96 value)
1x points on everything else
Earn 1 ThankYou Point per $1 on all other purchases. No categories to track or activate.
Spend $300/month on other purchases = 3,600 points/year ($36 value)
Benefits & Perks
Annual Credits & Statement Credits
2 creditsUp to
$360
in recurring credits (annual) · Plus $240 first-year / eligibility-dependent
Up to $240/year in statement credits
Earn a $20 statement credit on your card each billing cycle you spend $1,000 or more on purchases.
$240
Annual
$10/line monthly AT&T discount
Save $10 per line per month on your AT&T wireless bill when enrolled in Autopay and paperless billing with this card as payment method.
$120
Annual
Insurance & Protections
6 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Instantly lock your card with Quick Lock
Block new charges instantly while keeping recurring payments active. Lock and unlock from the Citi Mobile App or Citi Online.
Fraud Early Warning monitoring
Citi monitors your account for suspicious activity and contacts you to validate potentially fraudulent transactions.
Credit file monitoring and fraud alerts
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Free Access to your FICO® Score
View your FICO® Score anytime, with no impact to your score. It's updated monthly and easy to find on the Citi Mobile® App and Citi® Online. See th...
Show all 6 protectionsShow fewer protections
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Reviews & Analysis
Third-Party Rankings & Ratings
3 sourcesHow It Compares
Best for people who spend $1,000+ a month on a card and want AT&T perks. Earns 3x on gas/EV charging and 2x on groceries and AT&T, plus up to $240/year in statement credits. No annual fee and no foreign transaction fee. AT&T separately discounts wireless and internet bills by $10 a month per line when you use AutoPay and paperless billing with the card.
The Math: Is $0 Worth It?
First-year value includes $200 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$360
Annual Fee
-$0
Net Annual Value
+$216
Details & Terms
Payment Terms
| Purchase APR | 19.74%–27.74% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Video Reviews
8 videosAT&T Points Plus Credit Card | Citi AT&T Points Plus Card WORTH IT In 2024?!
NEW CREDIT CARD: AT&T Points Plus Card
AT&T Points Plus Card From Citi Review 2025 | Pros and Cons | Detailed Overview - Honest & Unbiased
At&T Points Plus From Citi Credit Card Review - Watch Before You Apply
AT&T Points Plus Credit Card by Citi – Benefits and Drawbacks
Citi Credit Card Tier List: Ranking BEST to WORST (2025)
Shop and get rewarded with the AT&T Points PlusSM Card from Citi | AT&T
Third-Party Articles & Reviews
5 Things to Know About the AT&T Points Plus Card
NerdWallet breaks down the 5 key features including the sign-up bonus, ThankYou points earning, $240 annual statement credit mechanics, and limitations.
AT&T Points Plus Card from Citi - Official AT&T Page
AT&T's co-branded landing page with card benefits breakdown, earn rates table, and first-year value calculator showing $480 potential value.
Citi ThankYou Points Value in 2026: Best Uses & Transfer Partners
Comprehensive Citi ThankYou program guide covering point valuation, all earning cards including AT&T Points Plus, transfer partners, and best redemption strategies.
Citi AT&T Points Plus Credit Card Review: $100 Bonus, up to $240 in Annual Credits
Business Insider review rating 3.2/5. Highlights decent gas rewards and annual credits but notes few extra benefits and high spending threshold for credits. Compares unfavorably to Citi Custom Cash and Wells Fargo Autograph.
AT&T Points Plus Card from Citi Reviews - WalletHub
WalletHub editor review with 3.0/5 rating. Covers pros (no annual fee, high rewards rate, $200 bonus) and cons (no intro APR, foreign transaction fee). Includes user reviews and market comparison scoring.
Citi AT&T Points Plus Card Review: 3X Gas + $240 Bill Credit
Detailed review with approval monitor data, Citi application tips (8-day/65-day rules), credit bureau pull info, and reconsideration phone numbers.
AT&T Points Plus Card from Citi - Credit Karma Insights
Credit Karma member data including average credit score (720), credit limit ($9,552 average), utilization (26.5%), and age (48). Real cardholder statistics.
Citi AT&T Points Plus Card - Is this card better than it looks?
Reddit discussion analyzing whether the card's value proposition is underrated. Community members debate the spending threshold for credits and compare to alternatives like Citi Custom Cash.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Earn rates | |
| Citi | — | Citi |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Multiple card facts | |
| Citi | Citi |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
