AT&T Points Plus Credit Card from Citi Review: Up to $240 in Annual Statement Credits

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AT&T Points Plus® Card from Citi

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Rates & Fees

• Our Rating 3/5 How our ratings work
• APR21.24% - 29.24% (Variable)
• Annual Fee$0
• Sign-Up Bonus $100Statement Credit More Info

  Earn a $100 Statement Credit after spending $1,000 in qualifying activities in the first 3 months of account opening

The AT&T Points Plus® Card from Citi, one of our partners, is a solid no-annual-fee card for existing AT&T customers who want to earn decent rewards on gas and groceries. The card has few perks, with the best being the ability to earn a modest statement credit toward your AT&T wireless bill, although the monthly spending threshold is quite high.

Best for Existing AT&T Customers Who Want to Earn Rewards and Statement Credits

At first glance, the AT&T Points Plus® Card from Citi (from our partner Citi) looks promising, especially for existing AT&T customers who want to be rewarded for brand loyalty. However, despite the name, the card offers few AT&T-brand benefits for customers. That doesn’t necessarily mean the AT&T Points Plus card offers little value, but it does mean it’s only right for select customers. At its core, it’s a decent everyday spending card with no annual fee that offers valuable gas and grocery spending rewards and the potential for up to $240 in annual AT&T statement credits.

Card Highlights

The AT&T Points Plus card offers some solid benefits for existing AT&T customers. Some of the card highlights include:

• 3X ThankYou Points at gas stations
• 2X ThankYou Points at grocery stores, including grocery delivery services
• 1X ThankYou Points on all other purchases
• $100 statement credit after $1,000 in purchases in the first 3 months of account opening
• Up to $240 in AT&T wireless bill statement credits annually 
• No annual fee

Sign-Up Bonus

The AT&T Points Plus card offers a modest sign-up bonus for new cardholders:

• Earn a $100 statement credit after you spend $1,000 on purchases in the first 3 months of account opening.

The minimum required spend is relatively low compared to other cards, but still quite hefty considering there are other no-annual-fee cards with bigger sign-up bonuses and lower spending requirements.

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Annual Statement Credits

In addition to its sign-up bonus, cardholders can earn up to $240 in additional statement credits each year after meeting offer requirements: 

• Receive a $20 statement credit on your AT&T Points Plus card statement after you spend $1,000 or more on purchases in a billing cycle,
• Or receive a $10 statement credit after you spend $500–$999.99 in a billing cycle.

You must enroll your AT&T wireless account in paperless billing and AT&T AutoPay with your AT&T Points Plus card as the payment method to qualify for the statement credit offer.

Earning Rewards

The AT&T Points Plus card is a co-branded Citi card and earns points within the Citi ThankYou Rewards program. Here's how you earn rewards with the card:

• 3X ThankYou Points at gas stations
• 2X ThankYou Points at grocery stores, including grocery delivery services
• 1X ThankYou Point on all other purchases

While the card offers above-average rewards rates for gas and groceries, it doesn't offer bonus points for AT&T purchases. Paying your monthly AT&T bill and new device purchases only net 1 point per dollar spent. Considering it's a co-branded card, it's surprising that cardholders don't earn a better rate for their spending with the company.

Redeeming Rewards

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The AT&T Points Plus card earns ThankYou Points. The program offers several redemption options to redeem your points, including: 

• Gift cards
• Travel 
• Shop with points
• Statement credits
• Cash back
• Charitable donations
• Point transfers to travel partners JetBlue TrueBlue, Choice Privileges or Wyndham Rewards

Citi partners with other travel loyalty programs, including several popular airlines. Unfortunately, the ability to transfer points to additional travel partners requires carrying another qualifying Citi credit card that earns ThankYou Points. However, having multiple cards that earn ThankYou Points could be beneficial since you can pool your points under the same ThankYou account.

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Card Benefits and Perks

The AT&T Points Plus is light on card benefits, including brand perks with AT&T. The card only offers basic benefits that are standard in many rewards or cash-back credit cards. Here's what you can expect: 

• Fraud protection: As with many credit cards, holders of this card can enjoy $0 liability for unauthorized charges.
• Free FICO® Score monitoring: Monitor your FICO Score for free online or through the Citi mobile app anytime.
• Fraud Early Warning: Citi notifies you to validate any potentially fraudulent transactions.
• Quick Lock: You can quickly lock your card if lost or stolen, which blocks new charges while allowing recurring charges to continue without disruption.
• Citi Entertainment: With the AT&T Points Plus card, you receive special access to purchase tickets for exclusive events and experiences, concerts, sports, and other live entertainment.

Drawbacks

While the AT&T Points Plus card offers some value to select AT&T customers, it's not a great fit for everyone. Consider these potential disadvantages if you're interested in getting this card:

• High spending threshold to earn statement credits: To earn the full $240 in statement credits annually, you must spend at least $12,000 on the card each year.
• Foreign transaction fees: The card charges a 3% foreign transaction fee, making it a poor choice when traveling outside of the U.S. You should use a travel credit card instead if you're going abroad.
• Lack of benefits: Outside of earning higher rewards in select categories and potential statement credits, the AT&T Points Plus card offers basic benefits that are pretty standard across most cards.
• Low earning rates with AT&T: Spending with AT&T only nets 1 point per dollar spent.

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Annual Fee

The AT&T Points Plus card has no annual fee.

Card issuers sometimes charge a yearly fee, called an annual fee, for access to a credit card and its benefits and perks. If you're considering a credit card with an annual fee, always weigh the card's potential value against the added yearly cost to ensure it's worth paying.

APR

The AT&T Points Plus card has a 21.24% - 29.24% (Variable) APR based on your creditworthiness. Interest rates for credit cards are typically stated as a yearly rate called the annual percentage rate or APR. APR is the yearly interest rate you would pay if you carried a balance on your card. 

The card does not come with a 0% introductory APR offer.

Other Fees

If you frequently travel outside of the U.S., consider another card for purchases. The AT&T Points Plus card carries a 3% foreign transaction fee and is charged on all international purchases. 

Like other cards, expect to pay fees for certain activities, including:

• Balance transfers
• Cash advances
• Late payments
• Returned payments

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Recommended Credit Score

Citi doesn't disclose specific credit requirements for its card offerings. Card issuers may factor other information into their decision when approving card applications, including income, payment history, existing debt and other financial markers. 

Having a good credit score improves your chances of approval for the AT&T Points Plus card and is a general requirement for many rewards credit cards. Within the FICO credit scoring model, this is a credit score range of 670 to 800.

How the Card Compares

The AT&T Points Plus card offers considerable value in the right hands but may not be the best option for everyone, especially those who aren't current AT&T customers. Here's a look at how the AT&T Points Plus card compares to other popular rewards credit cards.

Card	Annual Fee	Intro Bonus	Rewards Rate	APR
AT&T Points Plus® Card from Citi Apply Now Rates & Fees	$0	$100Statement Credit More Info Earn a $100 Statement Credit after spending $1,000 in qualifying activities in the first 3 months of account opening	1X - 3XPoints More Info Earn 3 ThankYou® Points per $1 spent at gas stations, 2 ThankYou® Points per $1 spent at grocery stores and 1 ThankYou® Point per $1 spent on all other purchases.	21.24% - 29.24% (Variable)
Chase Freedom Unlimited® Apply Now	$0	1.5%Extra Cash Back More Info Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.	1.5% - 5%Cashback More Info Enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.	20.49% - 29.24% (Variable)
Wells Fargo Active Cash® Card Apply Now Rates & Fees	$0	$200Cash Bonus More Info Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.	2%Cashback More Info Earn unlimited 2% cash rewards on purchases.	20.24%, 25.24%, or 29.99% (Variable)

AT&T Points Plus® Card from Citi vs. Chase Freedom Unlimited®

The Chase Freedom Unlimited® is among the best cash-back credit cards on the market, and for a good reason.

While the Freedom Unlimited doesn't earn bonus cash back on groceries or gas, it does offer high reward rates on practical everyday categories like drugstores and dining. Plus, you'll earn a high 1.5% back on all other purchases—this includes 1.5% back on AT&T purchases compared to 1% with the AT&T card.

The AT&T Points Plus card can be valuable for some AT&T customers due to its potential statement credits, but the Freedom Unlimited is likely a better choice as an everyday card for most individuals. You can also pair the Freedom Unlimited with other Chase cards in the Chase Trifecta to accelerate your rewards and maximize your redemption value. 

Chase Freedom Unlimited®

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• Our Rating 4.5/5 How our ratings work Read the review
• APR20.49% - 29.24% (Variable)
• Annual Fee$0
• Sign Up Bonus 1.5%Extra Cash Back More Info

  Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

We like that the card offers a high flat rewards rate but also provides accelerated rewards on some common everyday spending categories. You’ll also get access to the Chase Travel portal, which allows you to use your cash-back earnings for travel rewards, gift cards and more. If you make this your primary card for most purchases you can quickly rack up a lot of rewards.

AT&T Points Plus® Card from Citi vs. Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card is another top cash-back card to consider. Like Chase Freedom Unlimited, you can earn a generous welcome bonus and enjoy no annual fee. You'll also earn an unlimited 2% cash rewards on all eligible purchases. There are no bonus categories to keep track of, so you may earn less on gas and grocery purchases than with the AT&T Points Plus card, but you'll earn more overall on AT&T and everyday card purchases.  

Neither card offers many benefits, but the Wells Fargo Active Cash® Card comes with up to $600 of cellphone protection when you pay your monthly cellphone bill with the card. 

The Wells Fargo Active Cash® Card is a better choice for those who want a simple, flat-rate rewards card or those who want to leverage the card's strong intro APR offer. But if you're an existing AT&T customer and spend heavily on gas and groceries, you can still squeeze a lot of value from the AT&T Points Plus card.

Wells Fargo Active Cash® Card

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Secure application on issuer’s website

Rates & Fees

• Our Rating 4.0/5 How our ratings work Read the review
• APR20.24%, 25.24%, or 29.99% (Variable)
• Annual Fee$0
• Welcome Bonus $200Cash Bonus More Info

  Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

If you’re a fan of earning cash rewards for your everyday spending, you need a credit card that rewards you for purchases outside of popular bonus categories like travel, grocery stores and gas stations. With the Wells Fargo Active Cash® Card (Rates and Fees), you earn 2% back for every dollar spent without the fuss of tracking specific bonus categories.

Who Is the AT&T Points Plus® Card from Citi Good for?

The AT&T Points Plus card is a solid option for existing AT&T customers whose monthly budgets include considerable spending on fuel and groceries. Ideally, your monthly card spending should be at least $1,000 to take full advantage of the card's maximum statement credits. It's also a good option for AT&T customers who already have a Citi card that earns ThankYou Points in other spending categories. You'll maximize your rewards by pooling your points under the same ThankYou Rewards account.

If your monthly card spending is over $1,000, there are other rewards credit cards that can earn you better rewards rates overall and come with more valuable features and benefits.

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