AT&T Points Plus from Citi

The draw here is not the points, it is the AT&T bill credits: $10 per line each month off your wireless bill and $10 a month off eligible AT&T internet, both requiring AutoPay and paperless billing, worth up to $120 a year each. On top of that, a $20 statement credit lands in any billing cycle where you spend $1,000 or more, up to $240 a year, which is the single largest line item on the card. Earning is modest by comparison, 3 points per dollar on gas including EV charging, 2 on groceries, 2 on AT&T products and bill payments, and 1 on everything else, with no annual fee and no foreign transaction fees. The signup offer is a $200 statement credit, recently trimmed from $250. If you are not an AT&T customer, almost all of the value evaporates and you are left with an ordinary 3 and 2 percent earner, though ThankYou point pooling with other Citi cards does give the points somewhere better to go.