AT&T Points Plus from Citi

The AT&T Points Plus from Citi is at its best for AT&T customers, since enrolling can unlock $10 per line monthly off your wireless bill and $10 off an eligible internet bill, as long as you use AutoPay and paperless billing. It also earns 3 points per dollar on gas and EV charging, 2 points on groceries and AT&T purchases, and pays a $20 statement credit in any billing cycle where you spend $1,000 or more, worth up to $240 a year, all with no annual fee. The welcome bonus was recently lowered from $250 to $200, now earned after $1,000 in spend within three months. The catch is that the value is concentrated: without an AT&T account the discounts disappear, and the monthly credit demands steady $1,000 cycles that many cardholders will not hit. Everything else earns 1 point per dollar, though points can be pooled with other Citi ThankYou cards and there are no foreign transaction fees.