AT&T Points Plus® Card From Citi
The AT&T Points Plus® Card From Citi from Citi earns up to 2.4% effective value on gas in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn a $200 statement credit after you spend $1,000 on purchases in the first 3 months of account opening. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Gas
- Effective value
- 2.4%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the AT&T Points Plus Card From Citi earn in each category?
Gas is the strongest category at 2.4% effective value (3x points at about 0.8 cents each). That gas rate ranks higher than about 66% of the 1,551 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Gas is the strongest category at 2.4% effective value (3x points at about 0.8 cents each). That gas rate ranks higher than about 66% of the 1,551 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 0.8% |
| Grocery Supermarkets and grocery stores | 2x points | 1.6% |
| Gas Gas stations and fuel | 3x points | 2.4% Top category |
| Travel Flights, hotels, transit | 1x points | 0.8% |
| Other General everyday spend | 1x points | 0.8% |
Madeen values Citi ThankYou Rewards at about 0.8 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the AT&T Points Plus Card From Citi reward caps and conditions?
The AT&T Points Plus Card From Citi has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn 3 ThankYou® Points for every $1 spent at gas stations.
- Earn 2 ThankYou® Points for every $1 spent at grocery stores, including grocery delivery services.
Who should get the AT&T Points Plus Card From Citi?
The AT&T Points Plus Card From Citi fits spenders who put meaningful volume in gas and can earn 3x points. Best for spenders who put meaningful volume in gas and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
AT&T Points Plus Card From Citi fits spenders who put meaningful volume in gas and can earn 3x points. Madeen ranks its gas effective rate higher than about 66% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend.
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is gas at about 2.4% effective (3x points).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
- Citi ThankYou Rewards value depends on how you redeem, not straight cash back.
Does the AT&T Points Plus Card From Citi have an annual fee, and what's the welcome bonus?
The AT&T Points Plus Card From Citi has an annual fee of $0 and a foreign transaction fee of $3. New applicants may see: Earn a $200 statement credit after you spend $1,000 on purchases in the first 3 months of account opening. Confirm current issuer terms before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
- Signup bonus
- Earn a $200 statement credit after you spend $1,000 on purchases in the first 3 months of account opening
What benefits come with the AT&T Points Plus Card From Citi?
The AT&T Points Plus Card From Citi includes Citi Entertainment®, Free Access to your FICO® Score, Global emergency services in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Citi Entertainment®
Let Citi Entertainment bring the fun to you. Through the Citi Entertainment program you can enjoy access to purchase pre-sale tickets for music, sports, culinary experiences and more — from virtually anywhere.
- Free Access to your FICO® Score
View your FICO® Score anytime, with no impact to your score. It's updated monthly and easy to find on the Citi Mobile® App and Citi® Online. See the key factors affecting your score and more.
- Global emergency servicesIncluded with Standard Mastercard
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with Standard Mastercard
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- InstacartIncluded with Standard Mastercard
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
- Mastercard ID Theft ProtectionIncluded with Standard Mastercard
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
- Mastercard Music and Entertainment Access benefitIncluded with Standard Mastercard
Mastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
- Mastercard Transit BenefitIncluded with Standard Mastercard
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Common questions about the AT&T Points Plus Card From Citi
Does the AT&T Points Plus Card From Citi have an annual fee?
The AT&T Points Plus Card From Citi carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the AT&T Points Plus Card From Citi?
Gas is the strongest Madeen category for the AT&T Points Plus Card From Citi at about 2.4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the AT&T Points Plus Card From Citi charge foreign transaction fees?
The AT&T Points Plus Card From Citi charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the AT&T Points Plus Card From Citi welcome bonus?
The AT&T Points Plus Card From Citi welcome offer in our snapshot: Earn a $200 statement credit after you spend $1,000 on purchases in the first 3 months of account opening. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the AT&T Points Plus Card From Citi?
Madeen's catalog lists a typical credit range of Good for the AT&T Points Plus Card From Citi. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the AT&T Points Plus Card From Citi?
Rewards on the AT&T Points Plus Card From Citi post as Citi ThankYou Rewards. Redemption value depends on how you use Citi ThankYou Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the AT&T Points Plus Card From Citi compare to similar cards?
Compare the AT&T Points Plus Card From Citi against Citi Simplicity Cash (5% on Gas, $0 fee); Shop Your Way Mastercard (5% on Gas, $0 fee); Costco Anywhere Visa (4% on Gas, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
AT&T Points Plus Card From Citi This card | Gas | 2.4% | $0 |
| Gas | 5% | $0 | |
| Gas | 5% | $0 | |
| Gas | 4% | $0 | |
| Gas | 4% | $0 |
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