Is the AT&T Points Plus Card from Citi worth a spot in your wallet?
The honest math on the AT&T Points Plus Card from Citi: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy.
Citi · No annual fee · earns Citi ThankYou Points
Earning rates
- 3x Gas & EV charging stations
- 2x Grocery stores
- 2x AT&T products & services
- 1x All other purchases
Statement credits (3)
- AT&T Wireless AutoPay & Paperless Bill Discount — $10/month per AT&T wireless line when that line is enrolled in AutoPay and paperless billing, paid from a bank account or this card.
- AT&T Internet AutoPay & Paperless Bill Discount — $10/month off an eligible AT&T internet bill when enrolled in AutoPay and paperless billing ($5/month instead for AT&T Internet Air), paid from a bank account or this card.
- $20 Monthly Purchase Statement Credit — $20 statement credit each billing cycle you spend $1,000 or more on purchases — up to $240/year.
Protections and perks (1)
- No Foreign Transaction Fees — No surcharge on purchases abroad.
Recent changes to this card's data
2026-08-27 — AT&T Points Plus Card from Citi (new card)
- New card added: $0 annual fee, Citi ThankYou Points, Mastercard,
brand: "AT&T". Source: https://www.citi.com/credit-cards/citi-att-pointsplus-credit-card - Earning rates: 3x gas/EV charging, 2x grocery stores, 2x AT&T products & services (merchant-specific, no matching spend bucket, display-only), 1x everything else. Source: https://www.citigroup.com/global/news/press-release/2026/att-and-citi-enhance-att-points-plus-card
- AT&T Wireless AutoPay & Paperless Bill Discount: $10/month per wireless line (full value via bank account or this card; halved via debit card AutoPay; $0 via any other credit card) — modeled as a per-line annualized credit ($120/yr/line). Source: https://www.citigroup.com/global/news/press-release/2026/att-and-citi-enhance-att-points-plus-card
- AT&T Internet AutoPay & Paperless Bill Discount: $10/month for standard internet ($5/month for AT&T Internet Air) under the same mechanics — modeled at the standard $120/yr rate; overstates for Internet Air households. Source: same press release
- $20 Monthly Purchase Statement Credit: $20/billing cycle after $1,000+ net-new purchases, up to $240/year; AutoPay/paperless requirement removed in the relaunch. Sources: https://www.doctorofcredit.com/revamped-citi-att-points-plus-card-easy-250-signup-bonus-10-monthly-discount-20-monthly-credit-no-fee/ and the press release above
- No Foreign Transaction Fees. Source: https://www.citi.com/credit-cards/citi-att-pointsplus-credit-card
- Confirmed no purchase protection, extended warranty, or cell phone protection published for this card. Source: https://upgradedpoints.com/credit-cards/reviews/att-points-plus-card-from-citi/
Card data verified against Citi on 2026-08-27.
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