AT&T Points Plus® Card from Citi
No annual fee · $240/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Terms verified 2026-08-21 against issuer terms
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Gas | 3x 3.3¢ per $1 |
uncapped |
| EV charging | 3x 3.3¢ per $1 |
uncapped |
| Groceries | 2x 2.2¢ per $1 |
uncapped |
| Travel | 2x 2.2¢ per $1 |
uncapped |
| Everything else | 1x 1.1¢ per $1 |
uncapped |
Statement credits — $240/yr on paper · how we got this
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? · how we got this
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.