AT&T Points Plus Card from Citi review 2024: It has hang ups in spite of the statement credit potential

The AT&T Points Plus® Card from Citi * The information for the AT&T Points Plus® Card from Citi has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers AT&T wireless customers the ability to earn up to $240 a year in statement credits after meeting certain spending requirements—but they also have to request paperless billing and enroll in autopay for their AT&T wireless bill. Read on for a full review of the AT&T Points Plus Card from Citi.

AT&T Points Plus Card from Citi basics

• Annual fee: N/A.
• Welcome bonus: $100 statement credit after spending $1,000 on purchases in the first three months of account opening.
• Rewards: 3 ThankYou Points for every $1 spent at gas stations, 2 ThankYou Points for every $1 spent at grocery stores, including grocery delivery services and 1 ThankYou Point for every $1 spent on all other purchases including AT&T products and services.
• APR: 21.24% to 29.24% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies.
• Recommended credit score: Good.
• Does the issuer offer a pre-approval tool? No.
• Other benefits: Zero liability coverage.

AT&T Points Plus Card from Citi review

The AT&T Points Plus Card from Citi aims to dial in to high-spending AT&T wireless customers by dangling both potential statement credits, and also a 3-2-1 Citi ThankYou® point reward program — 3 ThankYou Points for every $1 spent at gas stations, 2 ThankYou Points for every $1 spent at grocery stores, including grocery delivery services and 1 ThankYou Point for every $1 spent on all other purchases including AT&T products and services. 

This no-annual-fee card boasts that you can earn up to $240 back in statement credits every year, but the spending requirements to actually get those credits are high. For example, to earn a $20 statement credit every month, you’d have to spend at least $1,000 on the card during that billing cycle. The statement credit drops to $10 a month if you only spend between $500 and $999.99 a month on the card.

To qualify for the credits, you’re required to both register for autopay for their AT&T wireless bill as well as sign up for paperless statements. If those options aren’t appealing to you, you’re out of luck when it comes to the statement credits.

Other than the possibility of those credits, the AT&T Points Plus Card lacks meaningful additional benefits, like an extended warranty or purchase protection, and it also charges a foreign transaction fee of 3% for purchases made abroad. Surprisingly for a credit card tailored to AT&T wireless customers it doesn’t even offer cellphone protection. That’s a fairly big disconnect from the target audience for this card.

Pros

• No annual fee: There’s no annual fee, which means you don’t have to pay anything out of pocket to hold this card. 
• Welcome bonus: Earn a $100 statement credit after spending $1,000 on purchases in the first three months of account opening.
• Ability to earn monthly statement credits: You can earn up to $20 back via statement credit toward your AT&T wireless bills every month by spending at least $1,000 on your card and enrolling in paperless billing and autopay. 

Cons

• High spend requirement to earn statement credits: You have to spend $1,000 per month to qualify for just $20 back as a statement credit. There are plenty of cash-back cards that have higher earning potential. 
• Negligible benefits: There aren’t any perks to the card, other than standard credit card benefits like $0 fraud liability. 
• No intro APR offers: Some no-annual-fee cards will offer an intro APR period on purchases and balance transfers, but the AT&T Points Plus Card does not. 
• Foreign transaction fees: If you plan on using your card while abroad, you’ll incur a 3% foreign transaction fee on each purchase. 

AT&T Points Plus Card from Citi rewards

The AT&T Points Plus Card from Citi has little appeal for non-AT&T wireless subscribers as there are other rewards cards that offer similar, if not better, elevated rewards for gas and grocery purchases.

That said, if you are an AT&T wireless subscriber who can easily meet the spending requirements to earn the statement credits, and who would like to rack up some Citi ThankYou points for your purchases, then this card could work for you.

To earn the maximum $20 statement credit every month, cardholders have to spend at least $1,000 on the card every billing cycle. If you spend between $500 and $999.99 on the card one month, then the statement credit drops to $10. And if you spend less than $500 a month on the card, you will not qualify for any statement credit. 

An additional requirement to earn the statement credits is that you have to sign up for paperless billing for your AT&T wireless bill as well as use the card set to autopay for your wireless service. Also note that the statement credits are exclusively for postpaid wireless plans. 

The AT&T Points Plus Card also offers a tiered ThankYou points rewards program of 3 ThankYou Points for every $1 spent at gas stations, 2 ThankYou Points for every $1 spent at grocery stores, including grocery delivery services and 1 ThankYou Point for every $1 spent on all other purchases including AT&T products and services. Surprisingly, there’s no bonus category for AT&T purchases. 

ThankYou points can be redeemed for cash, travel, gift cards, charity donations and Citi Entertainment experiences generally at a rate of 1 cent per point. They can also be transferred to another Citi ThankYou card account. 

Not sure what to do with your ThankYou points? Here’s some of the best ways to use them.

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has around $29,525 in annual expenses that can be charged to a credit card. Here’s how our sample cardholder’s rewards could break down:

SPENDING CATEGORY	SPENDING AMOUNT	POINTS PER DOLLAR	POINTS EARNED
Gas stations	$2,275	3	6,825 points
Grocery stores	$3,992	2	7,984 points
Other	$23,258	1	23,258 points
TOTAL	$29,525		38,067 points

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In addition to the 38,067 Citi ThankYou Points earned, if our sample cardholder is an AT&T wireless subscriber could qualify for the maximum $240 a year in statement credits by spending $29,525 a year or $2,460 a month on their card. The value of a Citi ThankYou Point will vary depending on how you choose to redeem it. 

Points used for statement credits and gift cards will typically get a value of 1 cent per point, while you could potentially get a higher valuation by combining your points with another Citi card so you can transfer them to a Citi travel loyalty partner. However, using the standard 1 cent per point valuation, 38,067 ThankYou Points are worth $380.67. When you combine the statement credits, you could earn a total of $620.67 per year. 

AT&T Points Plus Card from Citi drawbacks

In terms of perks, the AT&T Points Plus Card from Citi only offers $0 fraud liability and access to Citi Entertainment deals. It doesn’t come with a lot of the standard benefits offered on other rewards cards, such as extended warranty or purchase protection. Neither does it offer cellphone insurance protection. 

How the AT&T Points Plus Card from Citi compares to other rewards cards

AT&T Points Plus Card vs. Citi Custom Cash® Card * The information for the Citi Custom Cash® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The no-annual-fee Citi Custom Cash card also earns ThankYou points, at a rate of 5% cash back on purchases in a top eligible spend category each billing cycle, up to the first $500 spent each month and 1% cash back on all other purchases. Plus, an additional 4% cash back on hotels, car rentals, and attractions booked on the Citi Travel℠ portal through 6/30/25. Those categories include restaurants, gas stations, grocery stories, select travel, transit and streaming services, drugstores, home improvement stores, fitness clubs and live entertainment.

The large breadth of rewards means this card is likely to earn more rewards overall for both AT&T and non AT&T customers alike.

The Citi Custom Cash also offers a helpful 0% intro APR for the first 15 months on purchases and from the date of the first transfer for balance transfers within the first four months. After that, the variable APR will be 19.24% to 29.24%. There is a balance transfer fee of 5% of each balance transfer with a $5 minimum. The AT&T Points Plus card doesn’t have a similar low interest offer. It’s hard to make a case for choosing the Points Plus card over the Custom Cash.

AT&T Points Plus Card vs. Blue Cash Everyday® Card from American Express

If earning an elevated cash-back rewards rate on everyday spending is a priority for you, look to the Blue Cash Everyday Card (terms apply, rates & fees) which charges no annual fee and earns 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. (on up to $6,000 in each category per year, then 1%), and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or for eligible items at Amazon.com checkout. 

The Blue Cash Everyday Card also comes with a 0% intro APR for 15 months on purchases and on balance transfers requested in the first 60 days, then a variable APR of 19.24% to 29.99%. A balance transfer fee of $5 or 3%, whichever is greater, applies. In addition, you can take advantage of monthly statement credits, including $7 back after spending $9.99 or more each month on an eligible Disney Bundle subscription and up to $15 back when you purchase a Home Chef subscription. Both are subject to auto-renewal and enrollment is required. 

Overall, the Blue Cash Everyday Card offers better rewards and a helpful intro APR offer. Those two attributes are likely to provide more value than the potential statement credits on the AT&T Points Plus Card.

AT&T Points Plus Card vs. Wells Fargo Autograph℠ Card

If you’re looking to maximize your rewards across as many spending categories as possible without forking over an annual fee, the Wells Fargo Autograph Card checks all the boxes. The card earns 3 points per $1 at restaurants, travel, gas stations, transit, popular streaming services and phone plans and 1 point per $1 on other purchases

There’s also a 0% intro APR on purchases for 12 months from account opening, then a variable APR of 20.24%, 25.24%, or 29.99% applies thereafter for purchases and balance transfers. The card has a balance transfer fee of up to 5% with a $5 minimum. But what sets the Wells Fargo Autograph Card apart from the others on this list are its generous benefits, including cellphone protection, auto rental collision damage waiver, travel and emergency assistance, roadside dispatch, zero liability protection and 24/7 concierge service. The Autograph Card isn’t tied to a specific carrier, but offers more protections and earning potential for your phone than the AT&T Points Plus Card. 

The AT&T Points Plus Card from Citi is right for you if:

• You are an AT&T wireless subscriber who is confident you will make at least $1,000 in purchases on the card every month to take advantage of the $20 statement credit towards your bill. 
• You have another Citi card to combine your ThankYou Points with to maximize earnings.

Frequently asked questions (FAQs)

^{For rates and fees for the Blue Cash Everyday® Card from American Express please visit this page.}

^{*Blueprint credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. If you apply for a credit card, the lender may use a different credit score when considering your application for credit.}