The AT&T Points Plus® Card from Citi is a versatile credit card designed to offer substantial rewards and benefits for everyday purchases, particularly for AT&T customers. With no annual fee and a straightforward rewards program, this card stands out as a valuable option for individuals looking to maximize their spending power and enjoy savings on AT&T wireless bills.

With the AT&T Points Plus® Card, users can earn a $100 statement credit after meeting initial spending requirements and up to $240 back annually on AT&T wireless bills through qualifying activities. Additionally, the card offers competitive rewards rates on various spending categories, making it an attractive choice for those who want to earn points on routine expenses such as gas, groceries, and more.

Key information about the AT&T Points Plus® card from Citi

The AT&T Points Plus® Card from Citi provides a robust rewards structure and numerous benefits tailored for everyday spending and AT&T wireless customers. Cardholders can earn 3 ThankYou® Points per dollar spent at gas and EV charging stations, 2 points per dollar at grocery stores including grocery delivery services, and 1 point per dollar on all other purchases.

Additionally, users can earn up to $240 back annually on their AT&T wireless bills and a $100 statement credit after spending $1,000 within the first three months of account opening. The card features no annual fee, $0 liability on unauthorized charges, and points that never expire, providing ongoing value and convenience.

How does the annual fee work?

The AT&T Points Plus® Card from Citi stands out for its lack of an annual fee, making it a cost-effective choice for those looking to maximize their rewards without incurring additional yearly costs. This fee-free structure is particularly advantageous for cardholders who want to enjoy the card’s benefits and rewards without worrying about an extra charge just for owning the card.

The absence of an annual fee ensures that all earned rewards directly contribute to your savings and benefits, allowing you to maximize the value of your card without the burden of an obligatory yearly payment. This feature makes it easier to enjoy the full range of perks and rewards without worrying about additional costs.

How is the credit limit determined?

The credit limit for the AT&T Points Plus® Card is determined based on several factors, including the applicant’s creditworthiness, income, and overall financial profile. When you apply for the card, Citi will evaluate your credit history and other financial details to decide an appropriate credit limit.

This process ensures that the assigned limit aligns with your ability to manage credit responsibly. For those with a strong credit history and solid income, higher credit limits are often available, providing more purchasing power and flexibility.

Credit card benefits 

• $100 statement credit: Earn a $100 statement credit after spending $1,000 in the first three months.
• Up to $240 back annually: Receive up to $240 back on AT&T wireless bills each year through qualifying activities.
• 3X points at gas and EV charging stations: Earn 3 ThankYou® Points per dollar spent on fuel and EV charging.
• 2X points at grocery stores: Earn 2 ThankYou® Points per dollar spent at grocery stores and on grocery delivery services.
• 1X points on all other purchases: Earn 1 ThankYou® Point per dollar on all other purchases.
• No annual fee: Enjoy all the benefits and rewards without any annual fee.

Rewards program

The standout feature of the AT&T Points Plus® Card is its comprehensive rewards program. Cardholders earn 3 ThankYou® Points per dollar at gas and EV charging stations, 2 points per dollar at grocery stores, and 1 point per dollar on all other purchases. This tiered rewards structure enables users to accumulate points quickly on everyday expenses. Furthermore, these points can be redeemed for a wide range of rewards, including gift cards, travel, and more, providing flexibility and value.

Disadvantages

• Foreign transaction fee: There is a 3% fee on foreign transactions.
• High APR: The variable APR ranges from 21.24% to 29.24%, which can be high for some users.
• Limited bonus categories: Higher rewards rates are limited to specific categories like gas and groceries.

Foreign transaction fee

One notable drawback of the AT&T Points Plus® Card is the 3% foreign transaction fee. For cardholders who frequently travel abroad or make purchases in foreign currencies, this fee can add up quickly and diminish the value of earned rewards. It’s essential for users to consider this fee if they plan to use the card internationally.

Who can apply for this card?

To apply for the AT&T Points Plus® Card from Citi, applicants must meet certain criteria. These include being at least 18 years old and having a valid Social Security number or Individual Taxpayer Identification Number. Additionally, applicants should have a good to excellent credit score, as this card typically requires a strong credit history for approval. The card is available to U.S. residents who meet these requirements and can demonstrate their ability to manage credit responsibly.

How to apply for the AT&T Points Plus® card from Citi

Via WebSite

Applying for the AT&T Points Plus® Card through Citi’s website is a straightforward process. Start by navigating to the Citi credit card application page and locating the AT&T Points Plus® Card. Click on the “Apply Now” button to begin the application. You will be prompted to provide personal information, including your name, address, Social Security number, and employment details. Additionally, you’ll need to disclose your income and other financial information.

Once all required fields are completed, review the terms and conditions carefully before submitting your application. Citi typically provides a response within minutes, informing you whether you have been approved or if further review is necessary. If approved, you will receive your new card in the mail within a few business days, allowing you to start enjoying the card’s benefits and rewards.

In conclusion, the AT&T Points Plus® Card from Citi offers a robust rewards program with no annual fee, making it an attractive option for both everyday use and managing AT&T wireless bills. With competitive earning rates, substantial statement credits, and a range of other benefits, this card provides significant value to its users. However, potential applicants should consider the foreign transaction fee and variable APR when deciding if this card meets their needs.

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