Citi
AT&T Points Plus® Card from Citi
Key Features
| Annual Fee | $0.00 |
| Regular APR | Purchase Rate: 19.49% - 27.49% Variable APR. A variable APR of 19.49% – 27.49% based on your creditworthiness, applies to purchases, balance transfers, and Citi Flex Plans subject to an APR. The variable APR for cash advances is 29.74%. 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 | For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to 1.72% will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. Fee for foreign transactions – 3% of the U.S. dollar amount of each purchases. 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. Minimum interest charge is $0.50. |
About this card
The AT&T Points Plus Card from Citi is a niche product with limited appeal for the general consumer. While it offers a decent sign-up bonus and rewards on gas, EV charging, and groceries, its high APR, foreign transaction fees, and confusing rewards structure detract from its overall value. The card's primary benefit – a statement credit towards the AT&T bill – is tied to high monthly spending, making it less accessible. Positives include no annual fee and integration with the Citi ThankYou Points ecosystem. However, the card's reputation as a secondary, conditional card, combined with mediocre rewards compared to other no-annual-fee options, results in a 'Fair' overall rating. It is suitable only for dedicated AT&T customers who can consistently meet the high spending thresholds.
Pros & Cons
What's great
- Generous sign-up bonus
- No annual fee
- Rewards on gas, EV charging, and groceries
Things to consider
- High regular APR
- Foreign transaction fees apply
- Balance transfer fee
What this card offers
Sign-up bonuses
- Earn a $200 statement credit after you spend $1,000 on purchases in the first 3 months of account opening.
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, including grocery delivery services.
- Earn 1 ThankYou Point for every $1 spent on all other purchases.
Other features
- $5 per line monthly discount from AT&T on your AT&T bill when enrolled in Autopay and paperless billing at AT&T
- $0 liability on unauthorized charges
- No limit on the points you can earn and points don’t expire
- 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.
- Shop safely with a contactless-chip enabled card. Just tap your card on the payment reader and go in seconds.
- You're protected against unauthorized charges on your account. At Citi, you will not be responsible for a charge that you did not authorize, online or otherwise.
- 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 the key factors affecting your score and more.
- Fraud Early Warning monitors your account for suspicious activity. If we detect a potentially fraudulent transaction, we’ll contact you to validate it and take the appropriate action to protect your account.
- Misplaced your card? Use Citi Quick Lock to instantly block new charges, while allowing recurring charges to continue without disruption. It buys you peace of mind and time to find your card.
- Our customer service representatives are available to assist you 24 hours a day, 7 days a week.
- Let Citi Entertainment bring the fun to you. Through the Citi Entertainment program you can enjoy access to purchase pre-sale tickets for music, sports, culinary experiences and more — from virtually anywhere.
- No limit to the amount of points you can earn, and your points will not expire.
- Easily redeem points for exciting rewards like gift cards, travel rewards, at checkout with our Shop with Points partners, and more.
Additional Notes
You will qualify for the bonus offer only if you have not received a bonus offer for opening a new AT&T Points Plus Card in the past 48 months. Every billing cycle, earn $20 back as a statement credit after you spend $1,000 on purchases or $10 back as a statement credit after you spend $500-$999.99 toward your qualifying AT&T wireless bills. Your AT&T consumer postpaid wireless account must be enrolled in paperless billing and AutoPay at AT&T with your AT&T Points Plus Card as the payment method. 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. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.