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AT&T Points Plus® Card from Citi
Citi

AT&T Points Plus® Card from Citi

A no-annual-fee cash back card from Citi.

Cash back only
Annual fee
No annual fee
Welcome bonus
$200 statement credit
Min spend
$1,000 in the first 3 months
Recommended credit
Good (670+)
Network
Mastercard
Apply on Citi site7.7/10Our rating · review ›

Rates, fees, and full terms are set by Citi and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: Citi application and welcome-bonus rules →
Offer last verified July 17, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on gas and groceries.

⚠ Think twice if

your spending is spread evenly, where a flat-rate card would likely earn you more.

Earning rates

3 points per dollar on gas and EV charging
2 points per dollar on groceries and on AT&T products and services

Best ways to earn & redeem

Put your gas and groceries spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

1 point per dollar on everything else
$20 statement credit each billing cycle you spend at least $1,000
$10 per line monthly AutoPay discount on AT&T wireless

Statement credits

Up to $240 per year in statement credits ($20 per cycle after $1,000 in spend)

Alternatives to the AT&T Points Plus® Card from Citi

Pairs well with

The AT&T Points Plus® Card from Citi earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the AT&T Points Plus® Card from Citi lands.

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