5 Things to Know About the AT&T Points Plus Card
The AT&T Points Plus card can be your ticket to saving money on your monthly cell phone and internet bill.
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The AT&T Points Plus Card from Citi debuted in 2022 — but if you think the name sounds familiar, you're not mistaken. Citi has previously offered two other AT&T-branded credit cards, the AT&T Access Card from Citi and the AT&T Access More Card from Citi. (Both of these close cousins have closed to new applicants.)
As the name suggests, the AT&T Points Plus Card from Citi offers perks for AT&T customers, specifically in the form of a statement credit on their wireless bill every billing cycle. The card also has a sign-up bonus and doesn’t charge an annual fee. Oddly enough, though, purchases made at AT&T don't earn extra rewards.
Here's what you need to know about the AT&T Points Plus Card from Citi.
» LEARN: What is a co-branded credit card?
1. It has a sign-up bonus
While many credit cards offer a bonus to new cardholders when they meet certain spending requirements, not all do. New AT&T Points Plus cardholders can earn a $200 statement credit by spending at least $1,000 on purchases in the first three months of account opening.
That’s a decent reward for spending $1,000, especially if you already intended to spend that amount.
» MORE: Best credit card bonuses
2. It earns Citi ThankYou points
Rather than cash back or credits toward your phone bill, the AT&T Points Plus Card earns rewards in Citi’s proprietary currency, ThankYou Points. Cardholders will earn:
- 3 ThankYou points per $1 spent at gas stations. (Gas purchases at warehouse clubs like Costco don’t qualify.)
- 2 ThankYou points per $1 spent at grocery stores, including grocery delivery. (Purchases made at superstores and warehouse clubs don’t qualify.)
- 1 ThankYou point per $1 spent on all other purchases, including AT&T products and services.
Notably, money spent with AT&T doesn't earn any bonus rewards. It's exceedingly rare to find a branded credit card that doesn't earn higher rewards on purchases made with that brand.
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.
3. You can earn hundreds in annual statement credits — with some strings attached
Each billing cycle, cardholders can earn either a $10 or $20 statement credit on their qualifying AT&T wireless bill, as long as they hit a certain spend threshold with the card:
- $500 – $999.99 spent per billing cycle earns a $10 statement credit.
- $1,000 or more spent per billing cycle earns a $20 statement credit.
An AT&T wireless account must be enrolled in paperless billing and autopay (with the AT&T Points Plus Card set as the payment method) in order to qualify for the $10 or $20 statement credit.
There are two other perks worth enrolling in paperless billing and autopay for: a $10/month discount off of an eligible AT&T wireless bill, and an additional $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. You can redeem points for an additional statement credit
Citi ThankYou points can be redeemed in several ways, including cash back and statement credits. 1 point is worth 0.5 cent when redeemed this way.
With enough spending, you could effectively earn two statement credits in one billing cycle if you chose to redeem your points each month. You could earn either a $10 or $20 statement credit, based on your spending, plus you could redeem your ThankYou Points for an additional credit on that same statement.
Stacking two statement credits can make your monthly bill a little more manageable.
5. You'll probably do better with a different card
Simply put: Other no-fee credit cards beat the AT&T Points Plus Card’s rewards rates in terms of number and scope.
If you're putting a lot of miles on your car, the $0-annual-fee Citi Custom Cash® Card could be a better card for gas purchases than the AT&T Points Plus Card. With the Citi Custom Cash® Card, you can earn 5% back on your top spending area on up to $500 per billing cycle.
Instead of using the AT&T Points Plus Card for groceries, you might pay with the Capital One Savor Cash Rewards Credit Card. Its 3% rate on groceries is superior to that of the AT&T Points Plus Card, and it extends to other popular spending areas: dining, streaming services and entertainment. The Capital One Savor Cash Rewards Credit Card also has a $0 annual fee.
» MORE: Best rewards credit cards
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