AT&T Points Plus® Card from Citi vs Chase Freedom Flex℠
Side-by-side comparison
| AT&T Points Plus® Card from Citi | Chase Freedom Flex℠ | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $200 statement credit | $200 cash bonus |
| Dining | 1x | 3x |
| Groceries | 2x | 1x |
| Gas | 3x | 1x |
| Travel | 1x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $395 | $361 |
| Points type | Cash back only | Pools with Chase → transferable |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | AT&T Points Plus® Card from Citi | Chase Freedom Flex℠ |
|---|---|---|
| Welcome bonus | $200 statement credit | $200 cash bonus |
| To earn it | $1,000 in the first 3 months | $500 in 3 months |
| Est. first-year value* | $835 | $561 |
| Est. ongoing value / yr* | $635 | $361 |
The AT&T Points Plus® Card from Citi wins on both fronts: it comes out ahead in year one on the welcome offer and stays ahead every year after. Short term or long, it is the stronger pick on the numbers.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | AT&T Points Plus® Card from Citi | Chase Freedom Flex℠ |
|---|---|---|
| Lounge access | None | None |
| Annual credits | ~$240/yr (1 credits) | None |
| Points & redemptions | Cash back only | Transferable (paired with a premium card) |
On perks and redemptions, the AT&T Points Plus® Card from Citi carries the heavier credit stack (about $240 a year); the Chase Freedom Flex℠ earns transferable points with a higher redemption ceiling, while the other is capped nearer a flat cent. Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Only the Chase Freedom Flex℠ earns transferable points. Its Chase Ultimate Rewards move to World of Hyatt, United, Air Canada, Southwest, and British Airways Avios, where a point can be worth several cents on a premium-cabin redemption, far above its cash value. The AT&T Points Plus® Card from Citi pays flat cash back, worth about a cent, so its ceiling is nearer a penny per point no matter how you redeem.
The verdict
On a typical year of household spending, the AT&T Points Plus® Card from Citi earns about $395 a year in rewards and the Chase Freedom Flex℠ about $361, valuing every point at a flat 1 cent. The AT&T Points Plus® Card from Citi has no annual fee, so its rewards are all profit. The Chase Freedom Flex℠ has no annual fee, so its rewards are all profit. Counting rewards and any credits, the AT&T Points Plus® Card from Citi delivers more total value, about $154 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and gas. The bigger difference is the ceiling: the Chase Freedom Flex℠ earns points you can move to travel partners for outsized value, while the AT&T Points Plus® Card from Citi pays plain cash back. Favor the Chase Freedom Flex℠ if you will use travel transfers, the AT&T Points Plus® Card from Citi if you want simplicity. On the sign-up bonus, the two are currently comparable in size. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the AT&T Points Plus® Card from Citi if your spending leans toward groceries, gas. Pick the Chase Freedom Flex℠ if your spending leans toward dining.