AT&T Points Plus® Card from Citi
No annual fee. Purchase APR 19.74 –27.74 %, variable.
- Annual fee
- Issuer's pageciti.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pageciti.com
“A variable APR of 19.74 % - 27.74 % based on your creditworthiness, applies to purchases, balance transfers, and Citi Flex Plans subject to an APR.”
- Foreign transaction fee
- Issuer's pageciti.com
“No foreign transaction fees 1”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $180 | $180 |
| Typical spender | $420 | $420 |
| Heavy spender | $840 | $840 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Worth more to a typical spender than about 85% of the 650 cards we track.
- Lower top APR than about 40% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · Citi ThankYou® Rewards
- 3× pointsGas & EV charging stations
- 2× pointsGrocery stores
- 2× pointsAT&T products & services
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pageciti.com “A variable APR of 19.74 % - 27.74 % based on your creditworthiness, applies to purchases, balance transfers, and Citi Flex Plans subject to an APR.” |
| Balance transfer APR | Issuer's pageciti.com “A variable APR of 19.74 % - 27.74 % based on your creditworthiness, applies to purchases, balance transfers, and Citi Flex Plans subject to an APR.” |
| Balance transfer fee | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Issuer's pageciti.com “The variable APR for cash advances is 29.99 %.” |
| Cash advance fee | Issuer's pageciti.com “Cash advance fee – either $ 10 or 5 % of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Issuer's pageciti.com “The variable Penalty APR is up to 29.99 % and may be applied if you make a late payment or make a payment that is returned.” |
| Foreign transactions | Issuer's pageciti.com “No foreign transaction fees 1” |
| Minimum interest charge | Issuer's pageciti.com “Minimum interest charge is $ 0.50 .” |
Carrying a balance? See how long it takes to pay off
Benefits
- AT&T Points Plus Card statement credit: $20 other
- AT&T wireless bill discount: $10 monthly
- AT&T internet bill discount: $10 monthly
- $10 per line monthly discount on an AT&T wireless bill and $10 monthly discount on an eligible AT&T internet bill when enrolled in AutoPay and paperless billing at AT&T.
- No foreign transaction fees.
- Citi Entertainment® provides eligible cardmembers special access to event tickets, including presale tickets and exclusive experiences.
- Citi Travel® allows eligible cardmembers to book flights, hotels, car rentals and attractions using the card, points or a combination of both.
- Citi Flex Pay is available on eligible purchases of $75 or more when using an eligible Citi credit card.
- Free access to a FICO® Score online.
- Automatic account alerts by email or text.
- No Authorized User fee.
- Citi Quick Lock.
- 24-hour fraud protection.
- Mastercard® ID Theft Protection.
- Chip-based card technology.
- Contactless payment capability.
Questions
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$480 a year
- GM Rewards MastercardBarclays · No annual fee+$480 a year
- CareCredit MastercardSynchrony · No annual fee+$290 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).