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The AT&T Points Plus® Card from Citi offers some excellent perks with no annual fee. It has strong rewards rates and a monthly statement credit for AT&T customers after meeting spending requirements, as well as some other interesting benefits. Read our full review to find out if it's a good fit for you.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Score:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good (670-850)
Regular APR
21.24% - 29.24% variable APR
Annual Fee
$0
Welcome Offer
$100 statement credit after spending $1,000 in the first 3 months
$100 statement credit
The AT&T Points Plus® Card from Citi can be an especially appealing no annual fee credit card for AT&T customers.
No annual fee
AT&T statement credits
High rewards for gas and groceries
Welcome offer lower than competitors
Few unique perks
$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.
ThankYou® Points on every purchase.
No annual fee.
Credit card comparison
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Best for cash back on rotating categories
Discover will match all the cash back you've earned at the end of your first year.
N/A
1% - 5% Cashback
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Best for cash back
Up to $300 cash back
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
1.5% - 5% cash back
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
Intro:
0% Intro APR on Purchases and Balance Transfers for 15 months
Purchases: 0% Intro APR on Purchases, 15 months
Balance Transfers: 0% Intro APR on Balance Transfers, 15 months
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Best for earning travel rewards
75,000 Miles
75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
2X-5X miles
Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
This credit card is a good fit for: AT&T customers who would benefit from a statement credit on their monthly AT&T bill and who want to earn a solid ThankYou Points rewards rate on gas and grocery purchases.
Top perks
As you might expect, the AT&T Points Plus Card offers some benefits that will likely appeal to AT&T customers.
No annual fee
The AT&T Points Plus® Card from Citi is a rewards credit card that has no annual fee whatsoever.
AT&T statement credits available
The AT&T Points Plus® Card from Citi offers the ability to earn statement credits toward your AT&T bill. If you're an AT&T Wireless customer, you can get a $20 statement credit every time you spend $1,000 or more on your card in a billing cycle, so this benefit can be worth $240 per year if you meet the spending threshold in every billing cycle. If you spend more than $500 but less than $1,000, you can get a $10 statement credit each billing cycle.
Gas and grocery rewards
The AT&T Points Plus® Card from Citi earns 3 ThankYou Points (Citi's rewards currency) for every $1 spent at gas stations, and 2 ThankYou Points for every $1 spent at grocery stores (including delivery services).
What could be improved
There's no perfect credit card, and the AT&T Points Plus Card isn't an exception. Here are a few potential drawbacks to keep in mind before applying.
Relatively low welcome offer
The AT&T Points Plus Card has a welcome offer of a $100 statement credit after spending $1,000 in the first 3 months. This isn't a bad welcome offer, but it isn't as good as some competitors. You can find welcome bonuses of double this amount or more with no annual fee credit cards on our best welcome bonuses list.
No bonus rewards for AT&T spending
As mentioned, the AT&T Points Plus Card earns high reward rates on gas and groceries. But one odd drawback is that this is an AT&T cobranded card and doesn't earn any special rewards rate on AT&T purchases. Generally speaking, cobranded credit cards earn extra rewards for spending at their branding partner.
Few unique perks for all cardholders
To be sure, the ability to get $20 statement credits is unique, but the spending threshold means that all cardholders aren't going to get them. In order to max out the statement credits at $240 per year, you'll need to spend at least $12,000 on the card. Beyond this, there aren't many unique benefits.
Suggested credit score
Like most unsecured credit card products offered by Citi, the AT&T Points Plus Card is intended for consumers with good credit, which can be thought of as a 670 FICO® Score or greater. However, there are other factors, such as your income and other debts, that are taken into consideration, and it's entirely possible to get approved with a lower score or rejected with a higher credit score.
The AT&T Points Plus® Card from Citi is right for you if:
The AT&T Points Plus Card is right for you if you're an AT&T Wireless customer and want the ability to earn statement credits for your purchases and strong rewards on everyday expenses, with no annual fee.
Our credit card methodology
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
FAQs
The AT&T Points Plus Card is a cobranded credit card product offered by Citibank. It has no annual fee and allows cardholders to earn rewards as well as statement credits toward their AT&T Wireless bills for meeting spending thresholds.
You can apply for the AT&T Points Plus Card by filling out an application with Citi and agreeing to a hard credit pull. Your approval will be based on factors such as your credit score, income, employment situation, and other debts.
The AT&T Points Plus Card has no annual fee. It allows users to earn Citi ThankYou Points for all purchases, including higher reward rates on gas and grocery purchases. Plus, after every billing cycle you spend $1,000+ on your AT&T Points Plus Card for AT&T Wireless customers, you can get a $20 statement credit toward your AT&T Wireless bill.
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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
Wells Fargo is an advertising partner of The Ascent, a Motley Fool company. Citigroup is an advertising partner of The Ascent, a Motley Fool company. Matt Frankel has positions in Wells Fargo. The Motley Fool has positions in and recommends Target and Visa. The Motley Fool has a disclosure policy.
The Motley Fool owns shares of and recommends Mastercard.
The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters.
Fact Checked
Nathan Alderman
