AT&T Points Plus from Citi vs Citi Double Cash — which is worth it to you?
The AT&T Points Plus Card from Citi (no annual fee) and the Citi Double Cash (no annual fee) side by side: credits, earning rates against a flat 2% cash-back baseline, and protections — with your spending deciding which card actually wins each category.
Neither card charges an annual fee, so the only real question is which one earns more on your spending. Both earn Citi ThankYou Points, and a point from one is worth the same as a point from the other. What separates them is rates and credits.
The AT&T Points Plus from Citi also has a bonus on gas & ev charging (3x) and groceries (2x), with nothing to match it on the Citi Double Cash.
The AT&T Points Plus from Citi comes with 3 statement credits, the biggest being $20 Monthly Purchase Statement Credit ($240/yr), AT&T Wireless AutoPay & Paperless Bill Discount ($120/use) and AT&T Internet AutoPay & Paperless Bill Discount ($120/yr). The Citi Double Cash has none. All of these are face values, and a credit only really pays out if it covers something you were buying anyway.
The AT&T Points Plus from Citi alone has no foreign transaction fees; the Citi Double Cash alone has extended warranty.
AT&T Points Plus Card from Citi
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.
Full AT&T Points Plus Card from Citi breakdown — 1 more benefits on the full page.
Citi Double Cash
Citi · No annual fee · earns Citi ThankYou Points
Earning rates
- 5x Hotels, car rentals & attractions via Citi Travel
- 2x Everything (1% when you buy + 1% as you pay)
Full Citi Double Cash breakdown — 1 more benefits on the full page.
Card data verified against issuer sources: AT&T Points Plus Card from Citi on 2026-08-27, Citi Double Cash on 2026-08-20.
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