AT&T Points Plus from Citi

This is a card for AT&T customers first and everyone else a distant second: the $10 per line monthly discount on your wireless bill and $10 a month off eligible AT&T internet are the benefits that actually move money, and both require AutoPay and paperless billing. Add the $20 statement credit in any billing cycle where you spend $1,000 or more, worth up to $240 a year, and a card with no annual fee can return real value before you count a single point. The earn rates are respectable rather than remarkable: 3 points per dollar on gas including EV charging stations, 2 on groceries, 2 on AT&T products, services and bill payments, and 1 point per dollar on everything else. Citi recently cut the signup bonus from $250 to $200, a small step down but worth knowing before you apply. If you are not an AT&T subscriber, most of the reason to carry this disappears and a dedicated gas or grocery card will serve you better.