Citi
AT&T Points Plus® Card from Citi
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | Earn $200 statement credit |
| Rewards Rate | 1x-3x ThankYou Points |
| Regular APR | A variable APR of 19.74% - 27.74% based on your creditworthiness, applies to purchases, balance transfers, and Citi Flex Plans subject to an APR. The variable APR for cash advances is 29.99%. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. |
| Other Fees | Minimum interest charge is $0.50. Fee for foreign transactions – None. Cash advance fee – either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee – either $5 or 5% of the amount of each transfer, whichever is greater. No Authorized User fee |
| Network | Mastercard |
About this card
The AT&T Points Plus® Card from Citi earns an 'Excellent' overall rating of 4.2. This rating primarily reflects its outstanding value proposition for its highly specific target audience: loyal AT&T customers who consistently pay their balances in full and meet the monthly spending threshold. For this niche, the card is exceptionally strong, offering unparalleled benefits. It boasts an excellent Rewards Rating (4.5) due to its generous earning rates on everyday categories like gas (3x ThankYou® Points), groceries (2x), and AT&T products/services (2x), along with a strong $200 sign-up bonus for a no-annual-fee card. Crucially, it provides unique and substantial AT&T-specific benefits, including the ability to retain valuable AutoPay discounts and earn up to $240 annually in statement credits, making it a best-in-class option for maximizing AT&T-related savings. The card also shines with its Fee Rating (4.5), thanks to a $0 annual fee and, notably, no foreign transaction fees—a significant perk for a no-annual-fee product. The Reputation Rating (3.8) is solid within its specialized market, backed by Citi's reliability. However, the card has a critical weakness in its APR Rating (1.5). It features a very high variable APR (19.74% - 27.74%) and completely lacks any introductory APR offers, making it a very poor choice for anyone who anticipates carrying a balance. Additionally, balance transfer and cash advance fees are on the higher side. Despite these APR-related drawbacks, for an AT&T customer who manages their finances responsibly by paying in full each month and leveraging the unique AT&T-specific benefits, the card delivers exceptional, targeted value that strongly outweighs its limitations.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- High rewards rate on gas, EV charging, groceries, and AT&T services
- No foreign transaction fees
- Discounts on AT&T services
- Flexible rewards redemption options
Things to consider
- High regular APR
- No intro APR period
- High balance transfer fee
- High cash advance fee
What this card offers
Sign-up bonuses
- Earn a $200 statement credit after $1,000 in purchases in the first 3 months.
Rewards
- Earn 3 ThankYou® Points for every $1 spent at gas and EV charging stations
- Earn 2 ThankYou® Points for every $1 spent at grocery stores
- Earn 2 ThankYou® Points for every $1 spent on AT&T products and services
- Earn 1 ThankYou® Point for every $1 spent on all other purchases.
Other features
- $10 off per line monthly discount on your AT&T wireless bill and $10 monthly discount on your eligible AT&T internet bill when enrolled in AutoPay and paperless billing at AT&T.
- $20 statement credit on your AT&T Points Plus Card from Citi each billing cycle after you spend $1,000 or more on purchases. That’s up to $240 a year!
- Unlimited ThankYou® Points
- Earn unlimited points that do not expire and redeem them your way. Choose from gift cards, travel rewards, online shopping at participating merchants and more.
- No Authorized User fee
- No foreign transaction fees
- Redeem points for almost anything
- Citi Entertainment®
- Automatic account alerts
- Stay updated on balance, payments or credit limits via email or text.
- Access FICO® Score
- Free access to your FICO® score online to review your credit history.
- Citi Mobile® App
- Manage your money when you want, where you want and the way you want. It's how Citi digital services help you get the most out of your time.
- Citi® Quick Lock
- Misplaced your card? Use Citi Quick Lock in the Citi Mobile® App or at citi.com to instantly block new charges while allowing recurring transactions to continue without disruption.
- 24-hour fraud protection
- Citi will alert you if we see unusual activity on your account.
- Mastercard® ID Theft Protection
- The ID Theft Protection program offered by Mastercard® helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more.
- Chip-based card technology
- Chip card technology keeps the same card number but provides you with security and global acceptance.
- Choose your payment due date
- Choose to pay your bill on any available due date in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
- Add Authorized Users
- Add an Authorized User to your account at no additional cost and earn points faster.
- 24/7 customer service
- To save time and manage your account from anywhere, download the Citi Mobile® App. You can handle most of your banking needs right from your phone, 24/7.
- Paperless statements and e-communications
- Reduce clutter and get your statements and most legal notices online instead of in the mail.
- Digital Wallets
- Digital Wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card. Learn how to get started and how digital wallets can help protect your card information at citi.com/digitalservices.
- Contactless pay
- Shop safely with a contactless, chip-enabled card. Just tap your card on the payment reader and go in seconds.
- Citi® Flex Pay
- Pay over time with a fixed monthly payment. Available on eligible purchases of $75 or more when using an eligible Citi® credit card.
- Citi Travel®
- With Citi Travel®, you can book flights, hotels, car rentals and attractions using your eligible Citi card, points or a combination of both. Citi Travel offers access to over 1.4 million hotels and resorts available worldwide.
- Shop like a local wherever your travel takes you.
Additional Notes
This offer may not be available if you leave this page. Offers may vary and this offer may not be available in other places where the card is offered. You will only qualify if you have not received an offer for opening a new AT&T Points Plus® Card in the past 48 months. Citi will only issue one AT&T Points Plus® Card account per person.