The AT&T Points Plus from Citi is really an AT&T customer's card: it can knock $10 per line off your monthly AT&T wireless bill and $10 off an eligible AT&T internet bill, as long as you enroll with AutoPay and paperless billing. There is no annual fee, and the earn rates are respectable, with 3 points per dollar on gas and EV charging, 2 points at grocery stores, 2 points on AT&T purchases and bill payments, and 1 point on everything else. Heavy spenders can also pick up a $20 statement credit in any billing cycle with $1,000 or more in purchases, up to $240 a year. The welcome offer was recently cut from $250 to $200, now earned after $1,000 in purchases in the first three months. If you are not an AT&T customer, most of the reason to carry this card disappears, and the base rate of 1 point per dollar is nothing special.
Earn rates & credits
| Category | Rate |
|---|---|
Gas Includes EV charging stations | 3x |
Groceries | 2x |
Phone Services AT&T products, services, and bill payments | 2x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
AT&T Wireless Discount $10/line monthly discount on AT&T wireless bill (requires AutoPay and paperless billing) | $10 /mo |
AT&T Internet Credit $10 monthly discount on eligible AT&T internet bill (requires AutoPay and paperless billing) | $10 /mo |
Monthly Spend Statement Credit $20 statement credit after $1,000 or more in purchases per billing cycle, up to $240/year | $20 /mo |
| Total annual credits | $480 |
Card details
Regular APR | 19.49%–27.49% variable |
Foreign transaction fee | None |