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As its name suggests, the AT&T Points Plus Card from Citi offers perks for AT&T customers, including several ways to lower the cost of those monthly cell phone bills. Depending on your spending habits and how many lines you have, you could knock $30 or more off your cell phone bill every month, and that's before taking into account any ongoing rewards.
The card also features a generous welcome bonus (as of this writing) and doesn’t charge an annual fee or foreign transaction fees. For people who are locked into the AT&T ecosystem for their cell phone and internet service, it's an option that can generate a lot of value.
Here's what to know about the AT&T Points Plus Card from Citi.
🤓 Nerdy Tip
The AT&T Points Plus Card from Citi is different from the AT&T Access Card from Citi and the AT&T Access More Card from Citi, both of which are closed to new applicants. 1. It offers a solid welcome bonus
The value of the welcome offer on the AT&T Points Plus card tends to vary, but as of April 19, 2026, new cardholders can get a $250 statement credit after spending $500 on purchases in the first three months of account opening.
This bonus is only available for a limited time, but that's a particularly hefty one for a no-annual-fee co-branded card.
2. It earns Citi ThankYou Points
Rather than cash back, the AT&T Points Plus Card earns rewards in Citi’s proprietary currency, ThankYou Points. Cardholders can earn:
- 3 ThankYou Points per $1 spent at gas and EV charging stations. (Gas purchases at warehouse clubs like Costco don’t qualify.)
- 2x ThankYou Points on AT&T products and services, including bill payments.
- 2x ThankYou Points at grocery stores, including grocery delivery. (Purchases made at superstores and warehouse clubs don’t qualify.)
- 1x ThankYou Point per $1 spent on all other purchases.
There's no limit to the number of points you can earn, and points don't expire. And if you have other Citi cards that earn ThankYou Points, you can consolidate all of your points into one account.
Notably, you don't have to be an AT&T customer to get the AT&T Points Plus card. If you want a card that earns ThankYou Points for no annual fee, the AT&T Points Plus card is an option.
3. You can earn hundreds in annual statement credits — with some strings attached
Each billing cycle, cardholders can get a $20 statement credit on their qualifying AT&T wireless bill by spending at least $1,000 in that time frame.
In addition, cardholders can get a $10/month per-line discount off of an eligible AT&T wireless bill, and a $10 discount off of an eligible AT&T internet bill. These discounts are available if you set up autopay with the AT&T Points Plus card or a bank account.
4. There's no cell phone insurance
Even though the AT&T Points Plus card touts itself as the perfect complement to your cell phone, it lacks cell phone insurance, which has become an increasingly common benefit in rewards credit cards. If you want your device covered but don't want to pay for that coverage through AT&T, consider a card like the Chase Freedom Flex®. Just remember that you must pay your wireless bill with the credit card that has cell phone insurance in order to tap into the benefit.
Also keep in mind, perhaps more importantly, that using a general rewards card like the Chase Freedom Flex® won't qualify you for statement credits on your bill, like the AT&T Points Plus card will.
You may need to do some math to determine which option saves you more per month.
5. Non-AT&T customers should look elsewhere
If you can’t take advantage of the AT&T Points Plus card’s statement credits and discounts, it loses a lot of its value. For non-AT&T customers, a card like the Capital One Savor Cash Rewards Credit Card will likely prove more valuable. Its 3% rate at grocery stores is superior to that of the AT&T Points Plus Card, and it extends to other popular spending areas: dining, eligible streaming services and entertainment. You get those rewards plus a solid intro APR period on purchases and balance transfers, all for a $0 annual fee.
Information related to the AT&T Points Plus Card from Citi has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.
