AT&T Points Plus® Card From Citi
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How we calculate effective rate →
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 $250 statement credit after $500 in purchases in the first 3 months..
- Top category
- Gas
- Effective value
- 2.4%
- Annual fee
- $0
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. 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.
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 81% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how AT&T Points Plus Card From Citi compares across dining, grocery, gas, travel, and other spend. Catalog spend signals.
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 81% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how AT&T Points Plus Card From Citi compares across dining, grocery, gas, travel, and other spend.
| 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.
- 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 81% 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.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is gas at about 2.4% effective (3x points).
- That gas rate ranks higher than about 81% of cards we track in the category.
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Citi ThankYou Rewards value depends on how you redeem, not straight cash back.
What is the AT&T Points Plus Card From Citi welcome bonus?
In Madeen's catalog snapshot, the AT&T Points Plus Card From Citi welcome offer is Earn a $250 statement credit after $500 in purchases in the first 3 months.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- $250
- Terms (catalog snapshot)
- Earn a $250 statement credit after $500 in purchases in the first 3 months.
- Minimum spend
- $500
- Window
- 3Months
Does the AT&T Points Plus Card From Citi have an annual fee?
The AT&T Points Plus Card From Citi has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the AT&T Points Plus Card From Citi?
The AT&T Points Plus Card From Citi includes $10 off per line monthly discount, $20 back per billing cycle, Citi Entertainment® in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
$20 back per billing cycle
$240/yrin statement credits after you spend $1,000 or more on purchases as an AT&T wireless customer — that's up to $240 a year.
Mastercard Transit Benefit
$200/yrSave 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.
Instacart
$140/yrGroceries 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+.
$10 off per line monthly discount
$120/yron your AT&T wireless bill and $10 monthly discount on your eligible AT&T internet bill when enrolled in AutoPay and paperless billing at AT&T.
Citi Entertainment®
$25/yrLet 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.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard 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.
Protection wherever you shop
$10/yrWith Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
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.
Related encyclopedia topics
Common questions about the AT&T Points Plus Card From Citi
Where do cardholders spend most with the AT&T Points Plus Card From Citi?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on gas (3x), groceries (2x) for the AT&T Points Plus Card From Citi. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
What are the benefits of 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.
Is the AT&T points plus card worth it?
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 $250 statement credit after $500 in purchases in the first 3 months..
What is the credit limit on the AT&T Points Plus card?
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.
How much is 50,000 Citi points worth?
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.
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.
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 |
Side-by-side comparisons
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Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure