Citi
AT&T Points Plus Card
Estimated value every year on typical spending
$420/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: AT&T bill discount (not counted)
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Citi AT&T Points Plus Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $420 a year on typical spending.
The fine print
- Intro APR
- Not applicable
- Regular APR
- Not listed
- Foreign fee
- None
- Top perk
- $20 statement credit each billing cycle after $1,000 spend or more on purchases
- Approval
- Good credit recommended
- Redeem for
- Travel portal · Airline & hotel transfers · Statement credit · Gift cards
Rewards
- 3 ThankYou® Points per $1 at gas and EV charging stations
- 2 ThankYou® Points per $1 at grocery stores and on AT&T products and services
- 1 ThankYou® Point per $1 on all other purchases
Sign-up bonus
None
Best for
- Big spenders on gas
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- People who want plain cash back
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- Not applicable
- Regular APR
- Not listed
- Balance transfer fee
- None
- $200/mo on gas earns about $72/year (3x).
- $1200/mo on everyday spending earns about $144/year (1x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
AT&T Points Plus Card: questions people ask
Is the Citi AT&T Points Plus Card worth it?
With no annual fee, the Citi AT&T Points Plus Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $420 a year on typical spending.
What is the Citi AT&T Points Plus Card annual fee?
The Citi AT&T Points Plus Card has no annual fee ($0).
What does the Citi AT&T Points Plus Card earn?
3 ThankYou® Points per $1 at gas and EV charging stations. 2 ThankYou® Points per $1 at grocery stores and on AT&T products and services. 1 ThankYou® Point per $1 on all other purchases.
What credit score do you need for the Citi AT&T Points Plus Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Citi AT&T Points Plus Card charge foreign transaction fees?
No. The Citi AT&T Points Plus Card has no foreign transaction fee.
Compare AT&T Points Plus Card
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Citi product page. Terms change often; confirm them with the issuer before you apply.