AT&T Points Plus Card from Citi
MastercardIssued by Citi
Earn up to $240/year in AT&T credits, plus 3X points on gas/EV charging, 2X on groceries, and 1X on all other purchases.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
19.49% – 27.49%
Rate based on creditworthiness and prime rate.
SIGN-UP BONUS
200
Earn a $200 statement credit after you spend $1,000 on purchases in the first 3 months of account opening.
TOP POINTS
3x points
Earn 3 ThankYou Points for every $1 spent at gas and EV charging stations.
Key Benefits
- $0 liability on unauthorized charges
- Free access to your FICO Score
- Fraud Early Warning to monitor for suspicious activity
- Citi Quick Lock to instantly block new charges on a misplaced card
- 24/7 customer service support
- Access to purchase pre-sale tickets for music, sports, and more through Citi Entertainment
Important Limitations
- Earning travel rewards points on non-category purchases
- International travel (due to foreign transaction fees)
Rewards Structure
Gas and EV Charging Stations
3x pointsAnnual limits
Unlimited (no annual cap)
Details
Earn 3 ThankYou Points for every $1 spent at gas and EV charging stations.
Grocery Stores
2x pointsAnnual limits
Unlimited (no annual cap)
Details
Earn 2 ThankYou Points for every $1 spent at grocery stores, including grocery delivery services.
All
1x pointsAnnual limits
Unlimited (no annual cap)
Details
Earn 1 ThankYou Point for every $1 spent on all other purchases.
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| Gas and EV Charging Stations | 3x points | Unlimited (no annual cap) | Earn 3 ThankYou Points for every $1 spent at gas and EV charging stations. |
| Grocery Stores | 2x points | Unlimited (no annual cap) | Earn 2 ThankYou Points for every $1 spent at grocery stores, including grocery delivery services. |
| All | 1x points | Unlimited (no annual cap) | Earn 1 ThankYou Point for every $1 spent on all other purchases. |
Fees & APR
ANNUAL FEE
$0
REGULAR PURCHASE APR
19.49% – 27.49%
CASH ADVANCE APR
29.74% – 29.74%
FOREIGN TRANSACTION FEE
3%
LATE PAYMENT FEE
$41
BALANCE TRANSFER FEE
$5 OR 5%
CASH ADVANCE FEE
$10 OR 5%
Card Protection & Benefits
AT&T AutoPay and Paperless Discount
- ✓$10 per line monthly discount on your AT&T wireless bill and $10 monthly discount on your eligible AT&T internet bill when enrolled in AutoPay and paperless billing at AT&T.
- ✓Must be enrolled in AutoPay and paperless billing at AT&T
Citi Entertainment
- ✓Special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most highly anticipated concerts, sporting events, and dining experiences.
Security Features
- ✓$0 Liability on Unauthorized Charges – You're protected against unauthorized charges on your account. You will not be responsible for a charge that you did not authorize.
- ✓Fraud Early Warning – Monitors your account for suspicious activity and contacts you if potentially fraudulent transactions are detected.
- ✓Citi Quick Lock – Instantly block new charges on a misplaced card while allowing recurring charges to continue without disruption.
Best Use Cases
IDEAL FOR
- AT&T wireless and internet customers
- Everyday spending on gas, EV charging, and groceries
- No annual fee card seekers
NOT RECOMMENDED FOR
- Earning travel rewards points on non-category purchases
- International travel (due to foreign transaction fees)
Maximize Your Rewards Strategy
Months 1–3: Hit the Bonus
- Spend $1,000.00 to unlock $200.00 bonus
- Effective 20% return on first $1,000.00
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Earn More Points
- 3x points on Gas and EV Charging Stations
- 2x points on Grocery Stores
- 1x points on All
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem points at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-800-347-4934
Last updated: Mar 11, 2026
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