AT&T Points Plus from Citi

The pitch here is the statement credits rather than the points: $10 a month off an AT&T wireless line and another $10 a month off eligible AT&T internet, both requiring AutoPay and paperless billing, worth up to $240 a year combined on a card with no annual fee. On top of that, spending $1,000 or more in a billing cycle earns a $20 statement credit, up to another $240 a year, which is a real return for routine spend. Earning is modest by comparison: 3 points per dollar on gas including EV charging, 2x on groceries, 2x on AT&T products and bill payments, and 1x on everything else, with no foreign transaction fees. Citi recently cut the welcome offer from $250 to $200, payable after $1,000 in purchases in the first three months. If you're not an AT&T customer, most of the value evaporates and there are stronger everyday cards to carry instead.