AT&T Points Plus® Card From Citi Review: Smart Choice or Not?

The AT&T Points Plus® Card from Citi is a unique credit card that rewards AT&T customers and everyday spenders. With no annual fee, it offers practical benefits, including wireless bill credits and a generous rewards program, making it an attractive option for those seeking to maximize value on daily purchases. In this review, we’ll deep dive into the City AT&T Points Plus® Card’s features, benefits, and limitations, helping you decide if it aligns with your needs.

Overview: What is the AT&T Points Plus® Card from Citi

The AT&T Points Plus® Card from Citi is a no-annual-fee rewards credit card made for AT&T customers. This card helps you earn valuable ThankYou® Points on everyday purchases. You can earn 3 points per $1 spent on gas and EV charging stations, 2 points per $1 at grocery stores (including grocery delivery), and 1 point per $1 on all other purchases, including AT&T products and services.

New cardholders can earn a $200 statement credit after spending $1,000 in the first 3 months. Additionally, you can receive up to $240 back annually toward your AT&T wireless bills after qualifying purchases.

The card offers key benefits like no annual fee, no foreign transaction fees, and zero liability for unauthorized charges. Each billing cycle, you can earn up to $20 back as a statement credit after spending $1,000 or up to $10 back after spending $500-$999.99 on your AT&T wireless bill.

Points can be redeemed for travel rewards, gift cards, and other exciting options through the ThankYou® Rewards program. Plus, there’s no cap on the points you can earn, and they won’t expire.

With its easy-to-use rewards structure, no annual fee, and added benefits, the AT&T Points Plus® Card is a great choice for AT&T wireless customers who want to earn rewards and save money on their bills. Whether for everyday spending or AT&T services, this card offers excellent value and flexibility.

Card Highlights:

• Earn 3X points on eligible purchases at gas stations and EV charging stations.
• Get 2X ThankYou® Points on grocery store purchases and delivery services.
• Earn 1X points on all other purchases with no cap on the points earned.
• Receive a $200 statement credit after spending $1,000 within the first three months.
• Save on AT&T wireless bills with $240 back (yearly) after qualifying activities.
• Pay no annual fee and enjoy unlimited points that never expire with an active account.
• Access exclusive Citi Entertainment® perks, including presale tickets for concerts and live events.

Rates and Fees for the AT&T Points Plus® Card from Citi

• Annual Fee: None
• Variable APR: Ranges from 20.24% to 28.24%, depending on creditworthiness.
• Penalty APR: Up to 29.99%, applied for late or missed payments.
• Minimum Interest Charge: $0.50 if interest is charged during a billing cycle.
• Balance Transfer Fee: $5 or 5% of the transferred amount, whichever is greater.
• Cash Advance Fee: Either $10 or 5% of the cash advance amount, whichever is greater.
• No Foreign Transaction Fees: Use the card internationally without incurring additional charges.
• Late Payment Fee: Up to $41, depending on the balance owed and payment delay.

Benefits of the AT&T Points Plus® Card

1. No Annual Fee

One of the most appealing aspects of the AT&T Points Plus® Card is the absence of an annual fee. Unlike other rewards credit cards, there are no extra costs to hold this card, making it budget-friendly.

2. Reward Categories

The card offers a robust rewards structure tailored to essential spending categories:

• 3X points on eligible purchases at gas stations and EV charging stations.
• 2X points at grocery stores and grocery delivery services.
• 1X point for every dollar spent on all other purchases.

Including EV charging stations in the 3X category is especially notable, catering to eco-conscious consumers.

3. Unlimited Points That Never Expire

There’s no cap on how many points you can earn; they don’t expire as long as your account remains active and in good standing. This flexibility allows cardholders to accumulate points over time for large redemptions.

4. Sign-Up Bonus

New card members can earn a $200 statement credit by spending $1,000 on purchases within three months of opening an account. This bonus provides an excellent head start in maximizing value.

5. AT&T Wireless Bill Credits

The card offers specific rewards for paying your AT&T wireless bill:

• Earn $20 back for spending $1,000 or more in a billing cycle.
• Earn $10 back for spending between $500 and $999.99 in a billing cycle.

These credits are an excellent incentive for AT&T customers who want to save on their wireless expenses.

How You Can Earn and Redeem Points on AT&T Points Plus® Card From Citi?

Earning Points

You can earn points through everyday purchases:

• Pay for gas or charge your EV to earn 3X points.
• Use the card for grocery shopping or delivery to earn 2X points.
• Spend on other purchases to earn 1X points.

Additionally, AT&T customers can maximize rewards by enrolling in AutoPay and Paperless Billing for their wireless accounts, ensuring they qualify for the wireless bill credits.

Redeeming Points

Points earned through the Citi ThankYou® Rewards program can be redeemed for:

• Travel: Use points for flights, hotels, or car rentals through the rewards portal.
• Gift Cards: Redeem points for gift cards from top retailers.
• Statement Credits: Offset purchases by redeeming points for statement credits.
• Shopping: Shop with points at eligible retailers.

Additional Benefits and Features

Citi Entertainment® Perks

Cardholders gain exclusive access to Citi Entertainment®, including presale concert tickets, sports events, and other live experiences.

Contactless Payments and Digital Wallet Compatibility

The card supports contactless payments, allowing you to tap to pay for secure and convenient transactions. It’s compatible with popular digital wallets like Apple Pay® and Google Pay™.

Fraud and Security Protection

• $0 Liability Protection: Protects against unauthorized transactions.
• Citi® Quick Lock: Temporarily lock your card if it’s misplaced or stolen.
• Mastercard ID Theft Protection: Monitors for suspicious activity and supports identity theft.
• Fraud Early Warning: Alerts you about unusual or suspicious transactions.

Free FICO® Score Access

Track your credit health with free access to your FICO® Score through Citi Online or the Citi Mobile® App.

Eligibility Requirements For the AT&T Points Plus® Card

To maximize the card’s rewards, you must:

• Be an AT&T consumer postpaid wireless account holder.
• Enroll in AutoPay and Paperless Billing.
• Maintain an open and current card account that is in good standing.

Who Should Consider the AT&T Points Plus® Card?

The AT&T Points Plus® Card is an excellent fit for:

• AT&T Customers: This card is tailored for those with AT&T wireless plans who want to earn bill credits.
• Frequent Drivers: The 3X points on gas and EV charging benefit regular drivers or EV owners.
• Grocery Shoppers: Families and individuals who spend heavily on groceries can take advantage of the 2X points.
• Reward Maximizers: If you enjoy earning and redeeming rewards, the flexibility of ThankYou® Points will appeal to you.

Credit Limit of the AT&T Points Plus® Card from Citi: Minimum, Maximum & How to Increase It

The AT&T Points Plus® Card from Citi offers flexible credit limits tailored to each applicant’s profile. According to Credit Karma, the most common starting limit is $500, while the average limit is $9,184. Similarly, HelpMeBuildCredit.com notes that most users receive initial limits between $500 and $1,000.

On the higher end, myFICO® Forums share reports of approved limits ranging from $1,500 to $12,000. Some users boost their limits by reallocating credit from other Citi accounts.

While AllCards.com doesn’t specify exact limits, it states that good credit is typically required for approval. Applicants with strong credit and higher income are more likely to be granted higher starting limits.

To request a credit limit increase, consistently pay on time and use your card responsibly. After a few months, you can request an increase through your Citi online account or by calling customer service. Citi may also offer automatic increases for accounts in good standing.

To boost your chances, maintain a low credit utilization ratio and work on improving your credit score.

Overall, expect credit limits from $500 up to $12,000+, depending on your financial health and relationship with Citi.

Comparison: AT&T Points Plus® Card vs. Costco Anywhere Visa® Business Card vs. Citi® Secured Mastercard®

When choosing the right card, evaluating rewards, fees, and specific benefits is essential. Here’s a quick comparison:

Comparison Analysis

• The AT&T Points Plus® Card is ideal for AT&T customers and offers broad rewards for gas, groceries, and other purchases.
• The Costco Anywhere Visa® Business Card provides superior cash-back rewards for gas, EV charging, and travel, which is perfect for Costco members.
• The Citi® Secured Mastercard® is designed for building or rebuilding credit with its secured deposit system.

Which Card is Worth It?

If you’re an AT&T customer seeking rewards, the AT&T Points Plus® Card is a clear winner. The Costco Anywhere Visa is excellent for Costco members who are focused on high gas and travel rewards. However, the Citi Secured Mastercard is the best option if you aim to establish credit.

Why You Might Think About a Different Credit Card Than the AT&T Points Plus® Card From Citi

The AT&T Points Plus® Card from Citi offers valuable rewards for AT&T customers, but it might not be the best fit for everyone. If you’re considering a new credit card, here’s why exploring other options could make sense—and what alternatives might better meet your needs.

1. Limited Reward Categories: While the AT&T Points Plus® Card provides 3X points on gas and EV charging, 2X points on groceries, and 1X on all other purchases, these categories may not align with your spending habits. Other cards might deliver greater rewards if you spend more on dining, travel, or other categories. 

2. Bonus Rewards Restricted to AT&T Customers: The $200 statement credit for new cardholders and ongoing bonus offers require AT&T postpaid wireless service enrollment. If you’re not an AT&T customer, you won’t fully benefit from the card’s features. 

3. No Introductory APR or Significant Travel Perks: The AT&T Points Plus® Card lacks an introductory 0% APR offer and doesn’t provide travel-specific benefits like airport lounge access or trip insurance. Other cards may suit you better if you’re looking for these perks.

Alternatives Credit Cards to Consider

If the AT&T Points Plus® Card doesn’t meet your needs, here are some excellent alternatives:

1. Chase Sapphire Preferred® Card

1. • Rewards: 5X on travel (through Chase Ultimate Rewards), 3X on dining, 2X on other travel
   • Annual Fee: $95
   • Best For: Travel rewards and dining flexibility
2. Costco Anywhere Visa® Card by Citi
   • Rewards: 5% on gas (up to $7,000 annually), 3% on restaurants and travel
   • Annual Fee: None (with Costco membership)
   • Best For: Costco members and frequent gas purchases
3. Discover it® Cash Back
   • Rewards: 5% cash back in rotating categories (up to $1,500 per quarter)
   • Annual Fee: None
   • Best For: Maximizing cash-back rewards in diverse categories
4. American Express® Gold Card
   • Rewards: 4X points on dining and groceries, 3X on flights
   • Annual Fee: $250
   • Best For: Foodies and frequent travelers
5. Capital One Venture Rewards Credit Card
   • Rewards: 2X miles on all purchases
   • Annual Fee: $95
   • Best For: Simple, unlimited travel rewards

The AT&T Points Plus® Card from Citi is great for AT&T customers and specific spending categories, but it’s not ideal for everyone. Before choosing, consider your spending habits and prioritize what features matter most—dining, travel, or cash-back flexibility. With many excellent alternatives available, you will find a card that perfectly matches your needs.

Conclusion

The AT&T Points Plus® Card from Citi offers a compelling rewards program for AT&T customers and everyday spenders. With no annual fee, wireless bill credits, and flexible redemption options, it’s a strong contender for those who can maximize its benefits. However, other options may be more suitable if you’re not an AT&T customer or prefer a card with broader reward categories.