AT&T Points Plus® Card from Citi
No annual fee · $240/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Gas | 3x | uncapped |
| EV charging | 3x | uncapped |
| Groceries | 2x | uncapped |
| Travel | 2x | uncapped |
| Everything else | 1x | uncapped |
See how it ranks: best gas cards · best EV charging cards · best groceries cards · best travel cards.
Statement credits — $240/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| AT&T Points Plus recurring statement credit | $240/year | monthly |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- No foreign transaction fees
- $0 liability on unauthorized charges plus early fraud alerts
- Citi Entertainment presale ticket access
- Citi Quick Lock to block new charges without affecting recurring charges
- AT&T bill discount: $10/month per wireless line and $10/month on eligible AT&T internet bill ($5/month for AT&T Internet Air) when enrolled in AutoPay + paperless billing at AT&T — this discount is provided solely by AT&T, not a Citi card benefit, per Citi's own disclosure
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Compared head-to-head
More from Citi
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.citi.com · www.att.com · upgradedpoints.com. Spot an error? Tell us.