The AT&T Points Plus from Citi stands out with its robust rewards structure, offering 3 points per dollar on gas and EV charging, and 2 points per dollar on groceries and AT&T-related expenses, all with no annual fee. The card also provides valuable telecom benefits, including a $10 monthly discount on AT&T wireless and internet bills when enrolled in AutoPay and paperless billing. However, the signup bonus was recently reduced from $250 to a $200 statement credit after a $500 spend in the first three months, which is a notable decrease. Despite this, the card's ongoing rewards and lack of foreign transaction fees make it a versatile option for frequent AT&T users and those looking to maximize points on everyday spending. Just remember that to fully capitalize on the telecom discounts, you must enroll in AutoPay and paperless billing.
Earn rates & credits
| Category | Rate |
|---|---|
Gas Includes EV charging stations | 3x |
Groceries | 2x |
Phone Services AT&T products, services, and bill payments | 2x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
AT&T Wireless Discount $10/line monthly discount on AT&T wireless bill (requires AutoPay and paperless billing) | $10 /mo |
AT&T Internet Credit $10 monthly discount on eligible AT&T internet bill (requires AutoPay and paperless billing) | $10 /mo |
Monthly Spend Statement Credit $20 statement credit after $1,000 or more in purchases per billing cycle, up to $240/year | $20 /mo |
| Total annual credits | $480 |
Card details
Regular APR | 19.49%–27.49% variable |
Foreign transaction fee | None |