Citi
AT&T Points Plus Benefits, Credits & Annual Fee
No annual fee · Earns ThankYou Points
A no-annual-fee card built for AT&T customers who want to offset their wireless or internet bill. It earns bonus points on gas, groceries, and AT&T purchases, plus offers monthly statement credits and AT&T bill discounts.
- 3xGas
- 2xGroceries
- 2xPhone & Internet
$240/yr in credits · $0 annual fee
Maintained by Creddy Editorial · Catalog checked Oct 1, 2026
AT&T Points Plus at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- Citi
- Rewards:
- ThankYou Points
- Credits:
- 2 recurring, up to $240 a year
AT&T Points Plus Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Gas | 3x | |
| Groceries | 2x | |
| Phone & internet | 2x | |
| Everything else | 1x |
Who Should Get the AT&T Points Plus?
The AT&T Points Plus fits people who spend most on gas (3x) and groceries (2x). It has no annual fee, so it costs nothing to keep.
Is the AT&T Points Plus Worth It?
The AT&T Points Plus has no annual fee. Creddy lists 2 trackable credits worth up to $240 a year if you use every one, so anything you use is value on top of your rewards. Credits that need a spending threshold are not counted.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
AT&T Points Plus Welcome Bonus
$200 statement credit
Offer history
- Sep 7$200 statement credit
- Feb 22Statement credit after qualifying spend, plus up to $240 back yearly toward AT&T wireless bills
- Dec 20Statement credit after spend in first months (amounts not shown); plus up to $240 back yearly toward AT&T wireless bills
Tracked since Nov 2025
AT&T Points Plus Statement Credits and When They Reset
- AT&T Internet Bill Monthly Discount$10 / moTrackableEnrollment required
$10 monthly discount on your eligible AT&T internet bill when enrolled in AutoPay and paperless billing. The discount applies directly to your AT&T bill.
Resets: MonthlyChecked Sep 14, 2026 - AT&T Wireless Per-Line Monthly Discount$10 / moTrackableEnrollment required
$10 off per line monthly discount on your AT&T wireless bill when enrolled in AutoPay and paperless billing. Distinct from the AT&T internet monthly discount.
Resets: MonthlyChecked Sep 14, 2026 - Big Spend Statement Credit$20 / moTrackableMin spend $1,000
Receive a $20 statement credit each billing cycle after you spend $1,000 or more on purchases (up to $240 a year). Threshold is per billing cycle, not a calendar month and not a single $1,000 charge. Cash advances and balance transfers do not count.
Checked Sep 14, 2026
More AT&T Points Plus Card Benefits
Bonus Earnings
- 3x Points on Gas & EV Charging3x points
You earn 3 ThankYou points per $1 at gas stations and EV charging stations - the highest earn rate on this card. The bonus applies automatically at eligible locations with no enrollment or activation required.
Checked Oct 1, 2026 - 2x Points on Grocery2x points
You earn 2 ThankYou points per $1 spent at grocery stores, with the bonus applying automatically at eligible retailers. Keep in mind that warehouse clubs and superstores may not be coded as grocery stores and could earn at the base 1 point per $1 rate instead.
Checked Oct 1, 2026 - AT&T Products & Services Bonus Earn Rate2 pts / yr
You earn 2 ThankYou points per $1 spent on AT&T products and services, such as your wireless or internet bill. Points are awarded automatically with no activation required, making it easy to stack rewards on top of the card's other AT&T-specific discounts.
Checked Oct 1, 2026 - 1x Points on All Other Purchases1x points
Earn 1 ThankYou Point per $1 on every purchase that doesn't fall into a bonus category. Points post automatically to your ThankYou account with no earning cap.
Checked Oct 1, 2026
Entertainment
- Citi Entertainment Access
Get early and special access to buy tickets for concerts, sporting events, and arts and culture experiences. Use your AT&T Points Plus Card at checkout on the Citi Entertainment portal to access presale and exclusive event tickets. Availability varies by event and market.
Checked Jul 4, 2026
Fees & Miscellaneous
- No Foreign Transaction Fees
Pay no extra fees when you use your card abroad or on international retailer websites. Purchases are charged at the standard exchange rate with no added foreign transaction surcharge, making this card a practical choice for international travel or shopping.
Checked Jul 4, 2026 - Free FICO Score Access
View your FICO Score online at no charge. Sign in to your Citi account to check the score and keep track of changes over time. Your displayed score is a snapshot and may differ from scores used by lenders.
Checked Oct 1, 2026 - No Annual Fee$0 / yr
Carry this card at no annual cost. There is no annual fee, ever - you keep full access to all card benefits without paying a yearly charge.
Checked Jul 4, 2026
AT&T Points Plus vs Other Citi Cards
- AAdvantage MileUpNo annual fee
- Citi Diamond PreferredNo annual fee
- Citi Double CashNo annual fee
- Citi SimplicityNo annual fee
Related credit card guides
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
AT&T Points Plus FAQs
Is the At&T Points Plus Card worth the annual fee?
Compare AT&T Points Plus's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits does Creddy list for At&T Points Plus Card?
Creddy's September 26, 2026 catalog lists AT&T Internet Bill Monthly Discount, Big Spend Statement Credit, AT&T Wireless Per-Line Monthly Discount for AT&T Points Plus. Review the benefits and earning-rate tables for the conditions; confirm current coverage, enrollment and restrictions with Citi. This is a dated catalog summary, not certification that every listed benefit is currently available on your account.
What is the annual fee for the At&T Points Plus Card?
Creddy's catalog lists a $0 annual fee for AT&T Points Plus as checked on September 26, 2026. Confirm current pricing and any additional-card fees with Citi before applying or renewing.
Does the At&T Points Plus Card come with a welcome bonus?
Welcome offers for AT&T Points Plus can change and may depend on your application or account history. Check Citi's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the At&T Points Plus Card?
AT&T Points Plus may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the At&T Points Plus Card compare to other Citi cards?
Compare AT&T Points Plus with other Citi cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.