AT&T Points Plus® Card from Citi
- Best for: Cardholders who charge $1,000 or more every billing cycle, especially AT&T customers
- What Sets It Apart: $20 statement credit each billing cycle with $1,000 in purchases; the only credit card that gets AT&T’s $10-per-line AutoPay and paperless discount
- Cost: $0 annual fee; no foreign transaction fee; 19.74% to 27.74% variable APR
- Features: 3 points per $1 at gas stations and EV chargers; 2 at grocery stores and on AT&T purchases; 1 elsewhere; $200 statement credit after $1,000 in purchases in the first 3 months
- Pros: up to $240 a year in statement credits; 2 points per $1 on AT&T bills; points that don’t expire
- Cons: no credit in a cycle under $1,000; 1 point per $1 outside gas, groceries, and AT&T; same AutoPay discount available with a bank account
Get the AT&T Points Plus® Card from Citi if you’ll charge $1,000 or more every billing cycle, since each one earns a $20 statement credit on top of points. It’s also the only credit card that gets AT&T’s $10-per-line discount for AutoPay and paperless billing. Below $1,000 a cycle, a flat 2% card pays more on most purchases.
It’s Citi’s no-annual-fee rewards card for AT&T customers, and its points are worth 1 cent each toward gift cards and travel. Since Citi and AT&T updated the card in April 2026, the $20 credit needs only $1,000 in purchases after returns, and AT&T purchases, bills included, earn 2 points per $1.
Key Features
- No annual fee or foreign transaction fee
- $20 statement credit in each billing cycle with $1,000 or more in purchases, up to $240 a year
- 3 points per $1 at gas stations and EV chargers, 2 at grocery stores and on AT&T purchases, and 1 on everything else
- $200 statement credit after $1,000 in purchases in the first 3 months
- Variable interest rate (APR) of 19.74% to 27.74%, depending on your credit
Pros
- The $20 credit adds 2% back on the first $1,000 each cycle, on top of points
- With AT&T AutoPay and paperless billing, it keeps the $10-per-line discount, which AT&T gives no other credit card
- 2 points per $1 on your AT&T bill and 3 at gas stations and EV chargers
- Points that don’t expire
Cons
- No $20 credit for a billing cycle under $1,000
- Past $1,000 a cycle, purchases outside gas, groceries, and AT&T earn 1 point per $1, half a flat 2% card’s rate
- AT&T gives the same $10 discount for AutoPay from a bank account
- No cell phone protection among Citi’s listed benefits, so paying your phone bill with it won’t insure your phone
Carry it if you charge at least $1,000 every billing cycle, since the $20 credit and points redeemed for gift cards or travel return at least 3% on that $1,000. Anyone who wouldn’t reach $1,000 every cycle does better with a flat 2% card like the Citi Double Cash Card, because without the credit, this card’s points return 1% on everything but gas, groceries, and AT&T.
Learn more about the AT&T Points Plus® Card from Citi or see how it compares to the best cash back credit cards.
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