Credit Cards » Credit Card Reviews » AT&T Points Plus Card From Citi Review (2023)
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AT&T Points Plus Card From Citi Review (2024)

The AT&T Points Plus Card offers nice gas and grocery rewards, which is quite high for no annual fee card. However, there are some drawbacks.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

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AT&T Points Plus Card From Citi

AT&T Points Plus Card

Rewards Plan

1X – 3X 3 points per dollar at gas stations, 2 points per dollar at grocery stores and 1 point per dollar on all other purchases

Welcome Bonus

$100 $100 statement credit if you spend $1,000 within three months of opening your account

Credit Rating

Good – Excellent

0% Intro

N/A

Annual Fee

$0

APR

21.24% – 29.24%
AT&T Points Plus Card From Citi

AT&T Points Plus Card

Rewards Plan

1X – 3X 3 points per dollar at gas stations, 2 points per dollar at grocery stores and 1 point per dollar on all other purchases

Welcome Bonus

$100 $100 statement credit if you spend $1,000 within three months of opening your account

0% Intro

N/A

PROS

CONS

APR

21.24% - 29.24%

Annual Fee

$0

Balance Transfer Fee

5% or $5, whichever is greater

Credit Requirements

Good - Excellent

The AT&T Points Plus card from Citi is certainly not the flashiest rewards card on the market, but it does have some nice features. This is a fairly simple card, but it does offer higher tier rewards for everyday expenses and you can earn statement credit on your AT&T bills simply by spending $500 or more with your card each month.

However, if you’re in the market for a feature laden card, you may find this card a little lacking. If your overall aim is a rewards card that offers perks like travel insurance, and other freebies, or a large welcome bonus, you may want to investigate alternative cards. There are a number of options with no annual fee that may be a better fit for you.

  • AT&T Wireless Bills Statement Credit
  • Gas and Grocery Rewards
  • Free FICO Score Access
  • Access to Citi Entertainment
  • AT&T Statement Credit Requirements
  • No Points For AT&T Purchases
  • No Travel Rewards

What are card income requirements?

There are no published income requirements for this card, but you do need good to excellent credit to qualify. This means that while your income will be assessed by Citi when they are making an approval decision, it is not the only factor that is considered.

Can I get pre-approved?

Citi does not have a pre approval check button on its website, but the issuer does periodically send out mailers and other marketing materials offering pre approval to select customers.

How do I redeem rewards?

When you want to redeem your rewards, you will need to log into your Citi ThankYou points account. You can view your balance and explore the redemption options. These include cash back, gift cards and charitable donations. You can also use the Citi travel portal to find flights and hotels, and then use your points as your payment method.

In this Review

Simulation: How Much Rewards You Can Earn?

Check out the table below to see how many points you could earn by using the AT&T Points Plus card. The table estimates how many points you could earn based on your typical spending in different categories.

Please keep in mind that the table is just an estimate, and your actual earnings may vary depending on your spending habits and other factors. However, it can give you a good idea of the potential benefits of this card.

AT&T Points Plus Card

Spend Per Category
AT&T Points Plus Card From Citi
$10,000 – U.S Supermarkets
20,000 points
$3,000 – Restaurants
3,000 points
$3,000 – Airline
3,000 points
$3,000 – Hotels
3,000 points
$5,000 – Gas
10,000 points
Estimated Annual points
39,000 Points

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Pros and Cons

Just like any other credit card, the AT&T credit card has some advantages and disadvantages:

Pros
Cons
AT&T Wireless Bills Statement Credit
AT&T Statement Credit Requirements
Gas and Grocery Rewards
No Bonus Points For AT&T Purchases
Free FICO Score Access
No Travel Rewards
Access to Citi Entertainment

Since this is an AT&T co branded card, it should come as no surprise that there are some benefits associated with the brand. However, the card offers a surprisingly generous up to $240 per year in statement credit.

The amount of statement credit is determined by your spending per billing cycle. If you spend $500 to $999, you’ll earn a $10 per month statement credit. This increases to $20 per month if your spending is $1,000 or more per billing cycle.

Gas and grocery are some of the most desirable rewards, especially these days when inflation is high. This card provides a higher ThankYou® Points reward rate specifically for these categories.

You can view your FICO score at any time without any impact to your credit score. This is a great perk if you’re taking active measures to improve your score, as you can check to see if your actions have had an impact.

The scores are updated monthly and you can view them via the Citi Mobile app or online platform. The platforms also provide key factors which are affecting your score, so you can develop a strategy to boost your score.

The Citi Entertainment program allows you to access a variety of pre sale tickets from music and sports events through to culinary experiences and more, using your ThankYou® Points

Although there is an anniversary points bonus, there is a spending requirement to qualify for this. Unlike many other loyalty cards and programs, there is no automatic free night on your cardmember anniversary.

Unusually, since this is a co branded card, there is no points bonus for spending on AT&T purchases with your card.

Typically, co branded cards tend to offer the top tier rewards for spending with the specific brand.

The card doesn't provide any travel rewards, such as rewards points or other travel benefits.

Who is the AT&T Points Plus Card Best For?

Since this is a co branded card, the obvious answer to this is AT&T brand loyal customers. If you’re signed up for autopay and paperless billing, you can receive up to $20 per month in statement credit according to your card spending habits during the billing cycle.

However, this card may also be a solid pick for those looking for a card for everyday spending. You can earn Citi Thankyou points with everyday purchases such as gas and groceries, which provides the flexibility to redeem your rewards as cash back, gift cards, travel or shopping.

While it may not be the most generous reward card on the market, it is fairly no frills and has no annual fee. If you're looking for alternative reward cards, here are some examples:

Card
Rewards
Bonus
Annual Fee

Bank of America® Premium Rewards®

1.5X – 2X Unlimited 2X points on travel and dining purchases. Unlimited 1.5X points on all other purchases
60,000 points 60,000 online bonus points for spending $4,000 on new purchases in the first 90 days of opening their card account.
$95

U.S. Bank Altitude® Go Visa Signature® Card

1X – 4X 4x points at restaurants, take-outs & deliveries, 2x points at supermarkets, gas stations & streaming servicesm and 1 point for 1 dollar on all other purchases
20,000 points 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening
$0

chase freedom unlimited card

1.5% – 5% 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases
$200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
$0

Amex gold

1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

chase_sapphire_preffered

2X – 5X 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening[/sc]
$95

citi double cash

1% – 5% 2% cash back rewards rate – 1% every time you swipe and another 1% upon payment.
$200 $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening
$0

1% – 4% unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
$300 $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening
$95

PayPal Cashback Mastercard review

2% – 3% 3% cashback when you shop with PayPal, 2% cashback on all other purchases
N/A
$0

Tips for Using the AT&T Points Plus Card

The AT&T Points Plus card is quite a simple option, but there are still a few things that you can do to ensure that you leverage its full value.

The first thing that you will need to check is that you have your AT&T account set for paperless billing and autopay.

Providing you spend at least $500 per month with your card, you’ll get $10 or $20 in statement credit each month.

If you’re planning on attending a concert or event, be sure to check out Citi Entertainment before you book anything. This is an often overlooked perk of Citi cards, but you can get some great deals on pre sale tickets.

While we’ve highlighted some great features of this card, it is important to note that Citi has not waived the foreign transaction fee.

This means that if you use your card abroad you’ll get charged a 3% fee. Although this may not seem like much, it adds up to $30 for every $1000! So, switch to another card when you’re traveling.

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Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

FAQs

You do need to have good to excellent credit to qualify for this card, but there are no other specific requirements. So, if you have decent credit, it should not be particularly difficult to get the AT&T Points Plus card.

This card is not a good idea if you are looking for the maximum possible rewards on your spending or if you need to transfer a balance from another credit card.

There is no 0% APR introductory period and you’ll incur a balance transfer fee of 5% or $5, whichever is greater.

So, you would be better looking at cards that offer an extended promotional APR, so you can pay down your balance with the minimal amount of interest charges.

Unfortunately, the AT&T Points Plus card does not offer any travel insurance. So, even if you book your fares with this card, you’ll not get any automatic coverage.

Picture of Lorraine Smithills

Lorraine Smithills

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
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Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

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Welcome Bonus:
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