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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.
Good (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
20.24% - 28.24% (Variable)
Rewards 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 N/A
$0
Welcome Offer $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.
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
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.
|
Discover will match all the cash back you’ve earned at the end of your first year. | 1% - 5% Cashback 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. |
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Rating image, 5.00 out of 5 stars.
5.00/5
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.
|
$200 cash rewards Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. | 2% cash rewards Earn unlimited 2% cash rewards on purchases. |
Intro: 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 |
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Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
Rating image, 4.00 out of 5 stars.
4.00/5
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.
|
25,000 points 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 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: 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) |
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
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.
As you might expect, the AT&T Points Plus Card offers some benefits that will likely appeal to AT&T customers.
The AT & T Points Plus® Card from Citi is a rewards credit card that has no annual fee whatsoever.
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.
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).
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.
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.
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.
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.
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 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.
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.
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.
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