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AT & T Points Plus® Card from Citi Review: A Solid Rewards Card for AT&T Wireless Customers

Review Updated
Matt Frankel, CFP®
Nathan Alderman
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Terms may apply to offers listed on this page.  Citi is an advertising partner of Motley Fool Money.

The AT & T Points Plus® Card from Citi offers some excellent perks with no annual fee. It has strong rewards rates and a monthly statement credit for AT&T customers after meeting spending requirements, as well as some other interesting benefits. Read our full review to find out if it's a good fit for you.

AT & T Points Plus® Card from Citi
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24% - 28.24% (Variable)

Rewards Circle with letter I in it. Earn 3 ThankYou® Points for every $1 spent at gas and EV charging stations. Earn 2 ThankYou® Points per $1 spent at Grocery Stores. Earn 1 ThankYou® Point per $1 spent on all other purchases. Earn up to an additional $240 back toward your qualifying AT&T Wireless bills every year after eligible spend

1X - 3X ThankYou® Points

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. $100 statement credit after spending $1,000 in the first 3 months

$100 statement credit

  • The AT&T Points Plus® Card from Citi can be an especially appealing no annual fee credit card for AT&T customers.

    • No annual fee
    • AT&T statement credits
    • High rewards for gas and groceries
    • Welcome offer lower than competitors
    • Few unique perks
    • Earn a $100 Statement Credit after spending $1,000 in qualifying activities in the first 3 months of account opening
    • Earn up to an additional $240 back toward your qualifying AT&T Wireless bills every year after eligible spend
    • Earn 3 ThankYou® Points for every $1 spent at gas and EV charging stations
    • Earn 2 ThankYou® Points per $1 spent at Grocery Stores
    • Earn 1 ThankYou® Point per $1 spent on all other purchases
    • No limit to the amount of points you can earn, and your points will not expire.
    • No Annual Fee

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Best for cash back on rotating categories
Discover will match all the cash back you’ve earned at the end of your first year. 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 18.49% - 27.49% Variable APR *Rates as of December 12, 2024.

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Best for cash rewards on everyday spending
$200 cash rewards Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. 2% cash rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

Intro: Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular: 19.24%, 24.24%, or 29.24% Variable APR

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Best for unlimited rewards on purchases
25,000 points Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.49% - 28.49% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 18.49% - 28.49% (Variable)

Full AT & T Points Plus® Card from Citireview

This credit card is a good fit for: AT&T customers who would benefit from a statement credit on their monthly AT&T bill and who want to earn a solid ThankYou Points rewards rate on gas and grocery purchases.

Top perks

As you might expect, the AT&T Points Plus Card offers some benefits that will likely appeal to AT&T customers.

No annual fee

The AT & T Points Plus® Card from Citi is a rewards credit card that has no annual fee whatsoever.

AT&T statement credits available

The AT & T Points Plus® Card from Citi offers the ability to earn statement credits toward your AT&T bill. If you're an AT&T Wireless customer, you can get a $20 statement credit every time you spend $1,000 or more on your card in a billing cycle, so this benefit can be worth $240 per year if you meet the spending threshold in every billing cycle. If you spend more than $500 but less than $1,000, you can get a $10 statement credit each billing cycle.

Gas and grocery rewards

The AT & T Points Plus® Card from Citi earns 3 ThankYou Points (Citi's rewards currency) for every $1 spent at gas stations, and 2 ThankYou Points for every $1 spent at grocery stores (including delivery services).

What could be improved

There's no perfect credit card, and the AT&T Points Plus Card isn't an exception. Here are a few potential drawbacks to keep in mind before applying.

Relatively low welcome offer

The AT&T Points Plus Card has a welcome offer of a $100 statement credit after spending $1,000 in the first 3 months. This isn't a bad welcome offer, but it isn't as good as some competitors. You can find welcome bonuses of double this amount or more with no annual fee credit cards on our best welcome bonuses list.

No bonus rewards for AT&T spending

As mentioned, the AT&T Points Plus Card earns high reward rates on gas and groceries. But one odd drawback is that this is an AT&T cobranded card and doesn't earn any special rewards rate on AT&T purchases. Generally speaking, cobranded credit cards earn extra rewards for spending at their branding partner.

Few unique perks for all cardholders

To be sure, the ability to get $20 statement credits is unique, but the spending threshold means that all cardholders aren't going to get them. In order to max out the statement credits at $240 per year, you'll need to spend at least $12,000 on the card. Beyond this, there aren't many unique benefits.

Suggested credit score

Like most unsecured credit card products offered by Citi, the AT&T Points Plus Card is intended for consumers with good credit, which can be thought of as a 670 FICO® Score or greater. However, there are other factors, such as your income and other debts, that are taken into consideration, and it's entirely possible to get approved with a lower score or rejected with a higher credit score.

The AT & T Points Plus® Card from Citi is right for you if:

The AT&T Points Plus Card is right for you if you're an AT&T Wireless customer and want the ability to earn statement credits for your purchases and strong rewards on everyday expenses, with no annual fee.

Our credit card methodology

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.

FAQs

  • The AT&T Points Plus Card is a cobranded credit card product offered by Citibank. It has no annual fee and allows cardholders to earn rewards as well as statement credits toward their AT&T Wireless bills for meeting spending thresholds.

  • You can apply for the AT&T Points Plus Card by filling out an application with Citi and agreeing to a hard credit pull. Your approval will be based on factors such as your credit score, income, employment situation, and other debts.

  • The AT&T Points Plus Card has no annual fee. It allows users to earn Citi ThankYou Points for all purchases, including higher reward rates on gas and grocery purchases. Plus, after every billing cycle you spend $1,000+ on your AT&T Points Plus Card for AT&T Wireless customers, you can get a $20 statement credit toward your AT&T Wireless bill.