Citi AT&T Points Plus® Card from Citi Review: Maximize Savings for Loyal AT&T Customers
The AT&T Points Plus® Card from Citi offers unique savings for loyal AT&T customers, preserving valuable AutoPay discounts while earning great rewards. Dive into our review to see how this no-annual-fee card could maximize your savings and whether it's right for you.
| Annual Fee | $0.00 |
| Sign-up Bonus | $200 statement credit |
| Rewards Rate | 1x-3x ThankYou Points |
| Regular 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 | 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. Minimum interest charge is $0.50. |
Overview
The AT&T Points Plus® Card from Citi is a no-annual-fee card designed with one person in mind: the loyal AT&T customer. Its most powerful feature is the ability to maintain valuable AutoPay and paperless billing discounts on AT&T services, a perk most other credit cards don't allow. Beyond those unique savings, the card offers an impressive rewards rate, earning 3X ThankYou® Points at gas and EV stations and 2X points at grocery stores. For those who can spend at least $1,000 on the card each billing cycle, an additional $20 statement credit sweetens the deal even further, adding up to a potential $240 back each year.
New cardholders can also earn a generous $200 statement credit after meeting a low initial spending requirement, and the card punches above its weight by including no foreign transaction fees. However, its primary weakness is a high APR and the lack of any introductory 0% APR period, making it a poor choice for anyone who carries a balance. For the dedicated AT&T user who pays their bill in full every month, the combination of rewards, statement credits, and unique AT&T-specific discounts makes this card a powerful and highly valuable tool for maximizing savings.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- High rewards rate on specific categories like gas, EV charging, groceries, and AT&T services
- No foreign transaction fees
- Discounts on AT&T wireless and internet services
- Monthly statement credit for meeting spending threshold
Things to consider
- No intro APR period
- High regular APR
- High balance transfer fee
Benefits
Unmatched Value for AT&T Customers
The AT&T Points Plus® Card from Citi delivers its most compelling benefits to loyal AT&T customers. Cardholders can receive a $10 monthly discount on eligible AT&T internet bills and a $10 monthly discount per line on their AT&T wireless bill, provided they are enrolled in AutoPay and paperless billing. This is a significant, direct savings that can add up quickly. On top of that, you can earn a $20 statement credit each billing cycle you spend $1,000 or more on purchases, potentially adding another $240 in value per year. These AT&T-specific perks are unmatched in the market and make the card an essential tool for maximizing savings on your monthly bills.
Strong Rewards on Everyday Spending
Beyond its AT&T benefits, this card offers a robust rewards structure for a no-annual-fee card. You'll earn an excellent 3 ThankYou® Points per dollar spent at gas and EV charging stations and 2 ThankYou® Points per dollar at grocery stores—two major spending categories for most households. The card also offers 2 points per dollar on AT&T products and services and 1 point per dollar on all other purchases. Earning versatile Citi ThankYou® Points, which can be redeemed for almost anything, adds a layer of valuable flexibility to your rewards.
Generous Welcome Offer and Travel-Friendly Perks
New cardmembers can earn a generous $200 statement credit after spending a very achievable $1,000 in the first 3 months. This is a high-value bonus for a card with no annual fee, providing a 20% return on your initial spending. To round out its features, the card charges no foreign transaction fees, making it a surprisingly capable companion for international travel without the typical cost associated with premium travel cards.
Drawbacks
The primary drawback of this card is its high cost for anyone who carries a balance. It offers no introductory 0% APR period on either purchases or balance transfers, meaning interest will begin to accrue immediately on any unpaid portion of your statement. With a high regular variable APR of 19.49% - 27.49%, any rewards earned could be quickly negated by interest charges. Furthermore, its 5% balance transfer fee is on the high side, making it a poor choice for consolidating debt from other cards.
While the card's rewards and benefits are strong, they are highly specific. The most significant perks, such as the monthly bill discounts and the ability to retain the AutoPay discount, are only valuable to existing AT&T customers. For those without AT&T services, the card loses much of its unique appeal. Additionally, one of its best ongoing benefits—the potential to earn up to $240 in statement credits annually—requires you to spend at least $1,000 on the card every single billing cycle. This makes the card most rewarding for consistent, relatively high spenders, and less so for those with fluctuating or lower monthly budgets.
Decision Guidance
This card is a powerhouse for loyal AT&T customers who pay their balance in full monthly, as it uniquely preserves the valuable AutoPay discount that other credit cards void. Its value is maximized by those who can also spend $1,000 each billing cycle to earn the recurring $20 statement credit, adding to its strong rewards on gas and groceries. However, if you aren't an AT&T customer or you might carry a balance, the card's niche focus and high APR make it a poor fit.
Summary
The AT&T Points Plus Card is an absolute must-have for loyal AT&T customers, offering the rare ability to preserve valuable AutoPay discounts while still earning rewards. When you add in the excellent earnings on gas and groceries and a potential $240 in annual statement credits, this no-annual-fee card delivers standout value—as long as you pay your balance in full each month to avoid the high APR.