AT&T Points Plus® Card from Citi
A no-annual-fee cash back card from Citi.
Rates, fees, and full terms are set by Citi and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The AT&T Points Plus® Card from Citi is a category rewards card from Citi, running on the Mastercard network. The AT&T Points Plus® Card from Citi earns up to 3x on gas and groceries, so it pays you the most exactly where you already spend. There is no annual fee, which means every dollar of rewards is pure profit. New cardholders can earn $200 statement credit after $1,000 in the first 3 months.
It earns its keep without an annual fee, which is rare for a card with real bonus categories. That combination makes it a strong everyday keeper that you never have to justify paying for.
Think twice if: your spending does not line up with its bonus categories, or if you would rather not think about where you swipe at all.
Our 7.7 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
Where the AT&T Points Plus® Card from Citi earns its rewards is its bonus categories: 3x on gas (about $65 a year on the $2,160 a typical household spends there) and 2x on groceries (about $120 a year on the $6,000 a typical household spends there). Across a full year of average household spending, the card returns roughly $395 in rewards before any welcome bonus, so the more your spending overlaps those categories, the better it does.
| Category | Rate | Notes |
|---|---|---|
| Gas | 3x | Bonus category |
| Groceries | 2x | Bonus category |
| Dining and restaurants | 1x | Base rate |
| Travel | 1x | Base rate |
| Streaming | 1x | Base rate |
| Everything else | 1x | Everything else |
The fine print on rates: The ThankYou points from this card are fixed value at about 1 cent and do not transfer to Citi's airline or hotel partners on their own; full partner transfers require pooling with a premium ThankYou card.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Put your gas and groceries spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.
When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- 3x on gas
- 2x on groceries
- No annual fee
- Welcome offer worth about $200
- Annual statement credits offset the cost
- Few real drawbacks for the right user
The welcome bonus
The current welcome offer is $200 statement credit, earned after you spend $1,000 in the first 3 months. Valued honestly at a flat 1 cent per point, that is worth about $200. The spending requirement works out to roughly $333 per month, so make sure it fits your normal budget rather than pushing you to overspend. Stacking the welcome offer on top of a typical year of rewards and accounting for no annual fee, the first year is worth roughly $595.
First-year value vs ongoing value
| Welcome bonus | $200 statement credit |
| To earn it | $1,000 in the first 3 months |
| Est. first-year value* | $835 |
| Est. ongoing value / yr* | $635 |
The welcome bonus makes year one the high point: roughly $835 in value once you count the bonus, this card’s rewards, and its credits, minus the no fee. After that, the honest figure is about $635 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- 3 points per dollar on gas and EV charging
- 2 points per dollar on groceries and on AT&T products and services
- 1 point per dollar on everything else
- $20 statement credit each billing cycle you spend at least $1,000
- $10 per line monthly AutoPay discount on AT&T wireless
Statement credits
- Up to $240 per year in statement credits ($20 per cycle after $1,000 in spend)
Who should get it, and who should skip it
It is best for people whose biggest monthly spending is gas and groceries and who want to maximize those categories without paying an annual fee.
Skip it if your spending does not line up with its bonus categories, or if you would rather not think about where you swipe at all.
Alternatives to the AT&T Points Plus® Card from Citi
Pairs well with
The AT&T Points Plus® Card from Citi earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.
Frequently asked questions
Best-card guides featuring this card
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How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the AT&T Points Plus® Card from Citi lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
