Review
Citi AT&T Points Plus® Card Review: Valuable Rewards for AT&T Loyalists
If you're an AT&T customer looking for a rewarding credit card with no annual fee, the AT&T Points Plus® Card from Citi could be a great fit, especially if you spend a lot on gas and groceries. Earn valuable ThankYou® Points and statement credits - find out if it's right for you!
| 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. |
| Rewards Rate | 1x-3x ThankYou Points |
| Sign-up Bonus | $200 statement credit |
| 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. |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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...