AT&T Points Plus® Card from Citi Review
Overview
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 4.0 out of 5 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.
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.
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.
Is the annual fee worth it?
The AT&T Points Plus® Card from Citi has no annual fee, so there is no break-even math to worry about. Every dollar of rewards is profit, and you can keep it open for free, which also helps the average age of your credit over time.
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.
Frequently asked questions
Best-card guides featuring this card
Offer details verified against issuer sources as of July 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
