| Last updated on September 11th, 2023
AT&T Points Plus Card from Citi
AT&T Points Plus Card from Citi
AT&T Points Plus Card from Citi
- 20.99% to 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.99% to 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The AT&T Points Plus Card from Citi entices commuters, grocery shoppers, and frequent AT&T customers with up to 3X points earned on purchases with no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $100 statement credit after spending $1,000 in the first 3 months
- $20 statement credit every billing cycle you spend $1,000+ on your AT&T Points Plus Card (that's up to $240 a year!) for AT&T Wireless customers.
- 3X ThankYou Points on gas; 2X points on groceries; 1X on all other purchases
- No annual fee
- Regular Purchase APR: 20.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99%
- Foreign Transaction Fee: 3% of each purchase transaction in US dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You frequently shop at AT&T or use AT&T as a service provider
- You want flexible redeeming options for your accumulated points
- You want to earn rewards when you pay your bill from AT&T
- You don’t want to pay an annual fee
AT&T Points Plus Card from Citi Review
The AT&T Points Plus Card from Citi, part of Citi’s ThankYou® rewards program, earns up to 3X points per dollar spent on eligible purchases with no annual fee.
Earn up to $340 Back in Your First Year
New accounts with the AT&T Points Plus Card can earn an impressive $340 cash back in bonuses in just the first year.
First, new cardmembers can earn a $100 statement credit after spending $1,000 in the first three months. Second, AT&T Wireless customers receive a $20 statement credit every billing cycle they spend $1,000+ on their AT&T Points Plus Card. This second bonus equals $240 over 12 months, making the Plus-version of the AT&T Citi credit card a lucrative earner for its first year.
The great rebate savings last beyond year one, however. Cardholders earn a $20 statement credit after spending $1,000 or earn a $10 statement credit after spending between $500-$999.99—in a single billing cycle on their AT&T Points Plus Card. This lucrative rebate requires the associated AT&T consumer postpaid wireless account be enrolled in paperless billing and AutoPay at AT&T with the AT&T Points Plus Card as the preferred payment method.
Earn Up to 3X ThankYou Points on Purchases
Like the old AT&T Access Card from Citi, the AT&T Points Plus Card earns ThankYou Points for every dollar spent. On eligible purchases. Cardmembers earn accelerated rewards on select purchases:
- 3X ThankYou Points at gas stations
- 2X ThankYou Points at grocery stores, including grocery delivery services
All other purchases with the card earn 1X ThankYou Points, including AT&T products and services. Citi ThankYou points never expire if the account is open and active.
The 3X on gas station purchases is particularly enjoyable. Still, the 3X is less than the 4% cash back that comes with the Costco Anywhere Visa® Card, also by Citi. However, that card requires an active Costco membership, a $60/year additional charge.
The double points on groceries are equally pleasant but not exceptional. In fact, it is the same rate as the unlimited cash back with the Citi® Double Cash Card.
The 1X points on AT&T products and services are particularly good for anyone who uses AT&T wireless, providing points where typically none are found. Additionally, having both services through AT&T makes it easier for cardholders to manage their expenses and rewards, as all of their purchases are in one place.
The card offers plenty of accelerated value for the AT&T customer who wants to save big but doesn’t want to pay an annual fee.
How to Redeem Rewards
Points are redeemable for cash back as a statement credit, direct deposits into bank accounts, or through the ThankYou Rewards Portal for gift cards, travel, or through Amazon for purchases (Shop with Points at Amazon.com).
Card Comparison
Not sure if the AT&T Points Plus Mastercard is right for you? Here is how the card stacks up with two other popular Citibank credit card offers:
 |
 |
|
| Citi Rewards+® | Citi® Double Cash Card | AT&T Points Plus Card |
| Earn 2 ThankYou® Points per $1 spent at supermarkets and gas stations for the first $6,000 per year, and 1X on all other purchases | Earn 2% back on all purchases (1% back when you purchase and 1% back when you pay) | Earn 3X points gas stations, 2X points on groceries, and 1X on all other purchases |
| 0% intro APR on purchases and balance transfers for 15 months | 0% intro APR on balance transfers for 18 months after completing within first 4 months of account opening | No Intro APR |
| No annual fee | No annual fee | No annual fee |
Access to Citi Services
The Citi AT&T Points Plus Card provides the same great access to Citi services that the old AT&T Access Card offered. These services are not unique to the AT&T Points Plus Card from Citi but are available on most Citibank credit cards.
There are four specific Citi Services with the Points Plus Card, Citi Private Pass, Citi Price Rewind, Citi Entertainment, and Citi Merchant Offers.
- Citi Private Pass offers exclusive pre-sale ticket access for Citi credit cardholders. Private Pass not only offers exclusive pre-sale windows for sporting events, concerts, and more – but also access to sold-out events.
- Citi Price Rewind offers purchase protection for up to 60 days on purchases made with an eligible Citi credit card.
- Citi Merchant Offers – Citi Merchant Offers is a new deals program that provides statement credits or bonus ThankYou points when making eligible purchases with a Citi credit card. The Merchant Offers program is like other offers programs from big banks, such as Amex Offers or Chase Offers, and provides dozens of special, variable offers for Citi cardholders.
- Citi Entertainment – Citi Entertainment® is an online portal full of entertainment possibilities. Anyone with a Citi® credit card or Citibank® Debit Card can use the portal to gain special access to entertainment.
Other Card Features
Other notable features of the AT&T Points Plus Card include no annual fee, competitive interest rates on purchases and balance transfers, access to Citi Flex Plans, and Mastercard benefits and protections. These protections include:
| Zero Liability Protection | Mastercard Global Services | ID Theft Protection |
Card Availability
Citibank credit, debit, and banking products are available in all 50 U.S. states plus the District of Columbia.
Citibank Ratings
How does the AT&T Points PlusCard stack up? Here is a selection of expert reviews for the card, as well as an overview of Citi as a bank:
| BestCards | Better Business Bureau | TrustPilot |
|
4/5 |
4/5 |
3/5 |
Should You Apply for the AT&T Priority Plus Card from Citi?
The ThankYou® Points structure of the AT&T Points Plus Card makes it a simple, effective credit card for anyone who uses AT&T Wireless services and wants to save big on gas and grocery store purchases. As a Citi cardholder, you’re automatically eligible for special access to exclusive events and presales via Citi® Private Pass®, and Citi® Concierge assists you in making purchases on everything from gifts to dining to travel.
The card doesn’t have an annual fee, which is welcome, but it does charge a foreign transaction fee if used abroad. For repeat AT&T clients with a penchant for a no-frills credit card and who value rewards points, then, the AT&T Points Plus is a nice offer that builds on the already solid stats of the old AT&T Access Card.
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