AT&T Points Plus
CitiNo annual feeWorld MastercardNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
$200
after $1,000 in purchases in the first 3 months
48 Month Rule, 1 per 8 Days and 3 more. Am I eligible?
A typical spender, at Miles' point values; a gated item counts only if its condition is met.
| First-year value | Amount |
|---|---|
| Welcome bonus$200 cash | $200 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$24 |
| Monthly Spend Statement CreditRequires $12,000/year in spend | +$120 |
| Annual fee | $0 |
| Meeting the $1,000 minimumearns 1% here vs 2% on Double Cash | −$10 |
| First year | $334 |
| Each year after | +$144 |
With a Strata Premier: $240 a year
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Grocery stores | 2% (3%) |
| 3X | Gas & EV charging stations | 3% (4.5%) |
| 2X | AT&T products & services | 2% (3%) |
| 1X | Everything else | 1% (1.5%) |
Noteworthy perks
- Monthly Spend Statement CreditRequires $12,000/year in spend$240 a year
Personal card · Earns Citi ThankYou Rewards
Where this card ranks
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Credits & Perks (1)
- Monthly Spend Statement Credit: $20 (Monthly)
Statement credit after spending $1,000 or more on purchases in a billing cycle.
Other Perks
- $10 monthly discount per wireless line when the card is used to pay the AT&T bill.
- $10 monthly discount on eligible AT&T internet when enrolled in AT&T AutoPay and paperless billing.
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to World MastercardOct 14, 2026
- changed from null to AT&T Points PlusOct 8, 2026
- changed from null to pointsSep 30, 2026
- changed from null to 1000Aug 13, 2026
- changed from null to 90Aug 13, 2026
- addedAug 3, 2026