At&t Points Plus® Card From Citi
A no-annual-fee points card from Citibank, National Association.
Citibank, National Association · MASTERCARD
- Annual fee
- $0
- Purchase APR
- 19.49–27.49%variable
- Foreign transaction
- None
Earn Rules
| Gas | 300.00% |
| Grocery | 200.00% |
| All Other | 100.00% |
Rates with strings attached
These apply only at a specific brand, or need something beyond how you spend, like a balance held with the issuer or a status tier. They are real, but we do not count them in the value above, which uses the rates any cardholder earns on ordinary spending.
| on AT&T products and services | 200.00% |
Statement Credits
Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.
| $20 statement credit on your AT&T Points Plus Card from Citi each billing cyclemonthlySource ↗ | $240/yr |
| Total credits / year we count | $240 |
Why this differs from the issuer's headline number. Card marketing sums every credit at full value and assumes you use all of them. We count each credit at face value too, but only the ones shown above. A credit you won't use is worth $0 to you, so the honest number for most people is lower than the brochure. Decide which ones fit your life; the calculator counts what you tell it to.
Signup Bonus
after $1,000 in purchases in the first 3 months.
· Spend $1,000 in 3 months
This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.
Who This Card Makes Sense For
- People who occasionally carry a balance. With no annual fee on top, the interest is the only cost.
Wondering if this card pays off for your situation? Is the At&t Points Plus® Card From Citi worth it? →
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