Citi AT&T Points Plus Card Adds $10 Monthly Discount Benefit

Citibank and AT&T have announced a significant enhancement to the AT&T Points Plus Card, introducing a new $10 monthly discount benefit that will provide substantial value to existing and prospective cardholders. The enhancement, which takes effect immediately, offers up to $10 in statement credits monthly when cardholders link their bank account or credit card to AutoPay for AT&T service payments.

New Monthly Discount Details

The newly introduced benefit represents a meaningful addition to the AT&T Points Plus Card's existing rewards structure. Cardholders can earn up to $10 per month in statement credits by setting up automatic payments for their AT&T services, potentially saving customers $120 annually on their wireless, internet, or other AT&T service bills.

To qualify for the monthly discount, cardholders must link either their bank account or the AT&T Points Plus Card itself to AT&T's AutoPay system. This requirement ensures that AT&T maintains predictable payment flows while rewarding loyal customers who use both AT&T services and the co-branded credit card.

The benefit applies to various AT&T services, including wireless phone plans, internet services, and bundled packages, making it particularly valuable for customers who rely heavily on AT&T's telecommunications infrastructure.

Enhanced Value Proposition

This new benefit significantly enhances the value proposition of the AT&T Points Plus Card, particularly for customers who already maintain AT&T services. The $120 annual value from the monthly discounts alone can help offset annual fees and provide tangible savings that extend beyond traditional rewards point structures.

The enhancement comes at a time when credit card issuers are increasingly focused on providing practical, everyday benefits that deliver immediate value to cardholders. Rather than complex bonus category structures or limited-time promotional offers, this benefit provides consistent, predictable savings that customers can easily understand and utilize.

For AT&T customers who were previously using other payment methods for their monthly service bills, switching to the AT&T Points Plus Card or setting up AutoPay with their existing bank account now provides clear financial incentive worth $10 monthly.

Industry Context and Competitive Landscape

The introduction of this benefit reflects broader trends in the credit card industry, where issuers are working to differentiate their products through practical, recurring benefits. As noted in current industry analysis, rewards credit cards are increasingly incorporating limits and structured benefits that provide specific value to targeted customer segments.

This move by Citi and AT&T follows similar enhancements across the industry, where co-branded cards are adding exclusive discounts and benefits that strengthen the relationship between cardholders and partner brands. The telecommunications sector, in particular, has seen increased competition for customer loyalty through financial incentives and exclusive perks.

The timing of this enhancement aligns with the competitive credit card landscape of early 2026, where issuers are focused on retaining existing customers while attracting new ones through compelling welcome offers and ongoing benefits.

Requirements and Eligibility

To qualify for the $10 monthly statement credit, cardholders must meet specific requirements:

• Hold an active AT&T Points Plus Card account in good standing
• Maintain active AT&T service (wireless, internet, or bundled services)
• Enroll in AT&T AutoPay using either a linked bank account or the AT&T Points Plus Card
• Ensure AutoPay processes successfully each billing cycle

The benefit appears to be automatic once these requirements are met, with statement credits posting to cardholders' accounts following successful AutoPay transactions. AT&T and Citi have indicated that the benefit will appear as a statement credit rather than bonus points, providing immediate financial relief rather than rewards that require redemption.

Impact on Card Economics

This enhancement represents a notable shift in how the AT&T Points Plus Card delivers value to its users. By providing $120 in annual statement credits through the monthly discount, the card now offers substantial tangible benefits that extend beyond traditional points-earning structures.

For customers evaluating the card's annual fee and overall value proposition, the new monthly discount creates a clearer path to positive return on investment. The predictable nature of the benefit also makes it easier for potential cardholders to calculate the card's net value based on their existing AT&T service spending.

What This Means for Cardholders

Current AT&T Points Plus Card holders should immediately review their AT&T account settings to ensure they can take advantage of this new benefit. Setting up AutoPay, if not already configured, becomes a priority given the $10 monthly value at stake.

For prospective cardholders who are already AT&T customers, this enhancement makes the AT&T Points Plus Card significantly more attractive. The combination of existing rewards earning potential plus the guaranteed $10 monthly statement credit creates a compelling value proposition that may justify adding the card to their wallet.

Existing AT&T customers using different credit cards for their monthly service payments should evaluate whether switching to the AT&T Points Plus Card or setting up AutoPay with their bank account makes financial sense. The $120 annual savings could outweigh any benefits they currently receive from using alternative payment methods.

The enhancement also provides additional value security for cardholders, as the monthly discount offers predictable savings regardless of spending patterns or bonus category utilization. This makes the card more valuable for customers who may not maximize traditional rewards categories but maintain consistent AT&T service relationships.