The AT&T Points Plus Card from Citi is designed for AT&T customers who want to earn rewards while managing their wireless bills. This card offers a variety of benefits, including statement credits, a sign-up bonus, and no annual fees, making it an attractive option for regular AT&T users. However, it’s important to understand its features and how it compares to other credit cards before deciding if it’s the right choice for you.
Key Takeaways
- Offers a $100 sign-up bonus after spending $1,000 in the first three months.
- Earns 3 ThankYou points per dollar at gas stations and 2 points at grocery stores.
- Provides statement credits of up to $240 annually for AT&T customers.
- No annual fee, making it budget-friendly for users.
- Rewards on AT&T purchases are not available, which is a downside for some.
Overview of the AT&T Points Plus Card from Citi
The AT&T Points Plus Card from Citi is designed for AT&T customers, offering unique benefits that cater specifically to their needs. One of the standout features is the ability to earn statement credits on your AT&T wireless bill, which can add up to significant savings over time. Cardholders can earn a $20 statement credit for every $1,000 spent in a billing cycle, potentially totaling $240 annually if the spending threshold is met.
In addition to statement credits, this card allows users to earn Citi ThankYou Points, which are versatile and can be redeemed multiple ways. For instance, cardholders earn 3 points per dollar spent at gas stations and 2 points per dollar at grocery stores. However, it’s important to note that purchases made directly at AT&T do not earn extra points.
This card is a good fit for AT&T customers who want to earn rewards on everyday purchases without paying an annual fee.
Overall, the AT&T Points Plus Card offers a blend of rewards and savings, making it a practical choice for those who frequently use AT&T services.
Rewards Program Details
Earning ThankYou Points
The AT&T Points Plus Card allows you to earn ThankYou Points at different rates. You can earn 3 points per dollar spent at gas and EV charging stations, 2 points per dollar at grocery stores, and 1 point per dollar on all other purchases. This means that if you frequently fill up your tank or shop for groceries, you can rack up points quickly.
Redeeming ThankYou Points
You can redeem your ThankYou Points in various ways. Options include gift cards, travel rewards, and cash back. For example, you can use your points to get gift cards for dining or shopping, or even for cash back as a statement credit. This flexibility makes it easy to use your rewards in a way that suits you best.
Maximizing Rewards
To get the most out of your AT&T Points Plus Card, consider your spending habits. If you spend a lot on gas and groceries, you can earn a significant number of points. Additionally, there’s no limit to how many points you can earn, and they don’t expire. This means you can save up your points for a bigger reward later on.
The AT&T Points Plus Card is a great option for those who want to earn rewards without paying an annual fee.
| Spending Category | Points Earned |
|---|---|
| Gas and EV Charging Stations | 3 points per dollar |
| Grocery Stores | 2 points per dollar |
| All Other Purchases | 1 point per dollar |
Overall, the AT&T Points Plus Card offers a solid rewards program that can benefit users who align their spending with the card’s earning structure.
Sign-Up Bonus and Promotional Offers
Current Sign-Up Bonus
The AT&T Points Plus Card from Citi offers a generous sign-up bonus for new cardholders. When you spend a certain amount within the first few months, you can earn a significant number of ThankYou Points. This bonus can be a great way to kickstart your rewards journey.
Promotional Offers
In addition to the sign-up bonus, Citi frequently provides promotional offers that can enhance your earning potential. These offers may include extra points for specific purchases or limited-time bonuses for spending in certain categories. Keeping an eye on these promotions can help you maximize your rewards.
How to Qualify
To qualify for the sign-up bonus and promotional offers, you typically need to meet specific spending requirements within a designated time frame. It’s essential to read the terms and conditions carefully to ensure you meet all criteria.
The AT&T Points Plus Card is designed to reward users for their everyday spending, making it a valuable tool for those who frequently shop at AT&T or travel.
| Offer Type | Details |
|---|---|
| Sign-Up Bonus | Earn points after spending a set amount |
| Promotional Offers | Extra points on select purchases |
| Qualification Criteria | Meet spending requirements within a timeframe |
Overall, the sign-up bonus and promotional offers can significantly boost your rewards, making the AT&T Points Plus Card an attractive option for many consumers.
Statement Credits for AT&T Customers
Earning Statement Credits
AT&T Points Plus Card holders can earn up to $240 in statement credits each year. To qualify, you need to meet certain spending thresholds on your card. For example, if you spend between $500 and $999.99 in a billing cycle, you can earn a $10 statement credit. Spending $1,000 or more in a billing cycle earns you a $20 statement credit.
Using Statement Credits
To receive these statement credits, your AT&T wireless account must be enrolled in paperless billing and autopay, with the AT&T Points Plus Card as the payment method. A statement credit reduces your balance but does not count as a regular payment.
Limitations and Restrictions
While the potential for earning statement credits is appealing, there are some limitations. For instance, you must maintain the autopay and paperless billing setup to qualify for the credits. Additionally, the AT&T Points Plus Card does not offer bonus rewards for purchases made directly with AT&T, which is uncommon for branded credit cards.
The AT&T Points Plus Card can be a great option for AT&T customers looking to save on their monthly bills while earning rewards on other purchases.
| Spending Threshold | Statement Credit |
|---|---|
| $500 – $999.99 | $10 |
| $1,000 or more | $20 |
Fees and Interest Rates
Annual Fees
The AT&T Points Plus Card from Citi has an annual fee of $95. However, this fee is waived for the first year, making it easier for new cardholders to enjoy the benefits without immediate costs.
APR Details
The card offers a 0% introductory APR for the first 12 months on purchases and qualifying balance transfers. After this period, the regular APR ranges from 19.74% to 29.74%, depending on your creditworthiness. Here’s a quick look at the rates:
| Type | Introductory Rate | Regular Rate (Variable) |
|---|---|---|
| Purchases | 0% for 12 months | 19.74% – 29.74% |
| Balance Transfers | 0% for 12 months | 19.74% – 29.74% |
Note: It’s important to pay off your balance before the introductory period ends to avoid high interest charges.
Other Fees to Consider
In addition to the annual fee, there may be other charges such as late payment fees and foreign transaction fees. Always check the terms to avoid unexpected costs.
Overall, understanding the fees and interest rates associated with the AT&T Points Plus Card from Citi can help you make informed financial decisions. Be cautious of the regular APR after the introductory period, as it can significantly impact your finances if balances are not paid in full.
Pros and Cons of the AT&T Points Plus Card
Advantages
The AT&T Points Plus Card from Citi is a solid choice for AT&T customers. It offers statement credits on your monthly bill, which can add up to $240 a year if you meet the spending requirements. Additionally, there’s no annual fee, making it accessible for many users. The card also provides good rewards on everyday purchases, earning 3 ThankYou Points for every dollar spent on gas and 2 points for grocery purchases.
Disadvantages
However, there are some downsides to consider. The welcome offer of a $100 statement credit after spending $1,000 in the first three months is relatively low compared to other cards. Also, you won’t earn extra points for spending at AT&T, which is unusual for a co-branded card. Furthermore, to maximize the statement credits, you need to spend a significant amount, which may not be feasible for everyone.
Overall, while the AT&T Points Plus Card has its perks, it may not be the best option for everyone, especially if you don’t frequently spend at gas stations or grocery stores.
| Feature | Details |
|---|---|
| Annual Fee | $0 |
| Welcome Offer | $100 after spending $1,000 in 3 months |
| Statement Credits | Up to $240 per year |
| Points on Gas | 3 points per $1 |
| Points on Groceries | 2 points per $1 |
Customer Reviews and Ratings
Overall Satisfaction
The AT&T Points Plus Card from Citi has received a solid rating of 4.0 out of 5 stars from users. Many customers appreciate the card’s benefits, especially those who frequently use AT&T services. The overall satisfaction reflects a good balance of rewards and usability, making it a popular choice among cardholders.
Common Complaints
Despite its strengths, some users have voiced concerns. A common complaint is about the high APR, which can reach up to 28.74%. This can be a drawback for those who carry a balance. Additionally, some customers feel that the rewards program could be more flexible, limiting their options for redeeming points.
User Testimonials
Many users have shared positive experiences, highlighting the ease of earning ThankYou Points. One user mentioned, “I love how quickly I rack up points with my everyday purchases!” However, others have noted that the redemption process can be confusing at times.
Overall, the AT&T Points Plus Card is a good option for AT&T customers looking to earn rewards, but potential users should be aware of the high interest rates and the complexities of the rewards program.
| Rating Category | User Rating |
|---|---|
| Overall Satisfaction | 4.0/5 |
| Rewards Flexibility | 3.5/5 |
| Customer Service | 4.2/5 |
Security Features and Protections
Fraud Protection
The AT&T Points Plus Card from Citi offers robust fraud protection to keep your account safe. If any unauthorized charges appear, you can report them, and Citi will investigate. This feature helps ensure that you are not held responsible for fraudulent transactions.
Card Lock and Alerts
With the card lock feature, you can easily lock your card through the Citi mobile app. This is useful if you misplace your card or want to prevent any unauthorized use. Additionally, you can set up alerts to notify you of any transactions, giving you more control over your spending.
Zero Liability Policy
Citi’s Zero Liability Policy means that you won’t be responsible for unauthorized purchases made with your card. This policy provides peace of mind, knowing that your finances are protected against fraud.
The AT&T Points Plus Card from Citi is designed to offer strong security features that protect your personal information and finances. With these tools, you can feel more secure while using your card.
| Feature | Description |
|---|---|
| Fraud Protection | Investigates unauthorized charges |
| Card Lock | Lock your card via the mobile app |
| Alerts | Notifications for transactions |
| Zero Liability Policy | No responsibility for unauthorized purchases |
Additional Cardholder Benefits
Citi Entertainment Access
The AT&T Points Plus Card offers exclusive access to purchase tickets for live events, such as concerts and sports games. Cardholders can enjoy presale tickets and unique experiences that are not available to the general public.
Digital Wallet Compatibility
This card is designed to work seamlessly with digital wallets, allowing users to make contactless payments using their mobile devices. This feature makes transactions quick and easy, enhancing the overall user experience.
Free FICO Score Access
Cardholders can check their FICO Score for free through the Citi Mobile app or online. This feature allows users to monitor their credit health without affecting their score.
Fraud Protection and Alerts
Citi provides robust fraud protection. If there are any suspicious transactions, cardholders will be contacted to confirm their validity. Additionally, the Quick Lock feature allows users to temporarily block their card if it is lost, while still permitting recurring charges.
The AT&T Points Plus Card is designed to provide peace of mind with its security features, ensuring that cardholders can shop confidently.
Comparing the AT&T Points Plus Card to Competitors
Comparison with Blue Cash Preferred Card
The AT&T Points Plus Card is a solid choice for AT&T customers, especially those who frequently spend on gas and groceries. However, when compared to the Blue Cash Preferred Card, it may not stand out as much. The Blue Cash Preferred Card offers higher rewards on groceries and a more attractive welcome bonus, making it a better option for many users.
| Feature | AT&T Points Plus Card | Blue Cash Preferred Card |
|---|---|---|
| Annual Fee | $0 | $95 (after first year) |
| Welcome Bonus | $100 statement credit | $200 cash back |
| Grocery Rewards | 2 points per $1 | 6% cash back |
| Gas Rewards | 3 points per $1 | 3% cash back |
Comparison with Discover it Cash Back Card
Another competitor is the Discover it Cash Back Card. This card offers rotating categories for cash back, which can be very rewarding if you keep track of the categories. While the AT&T Points Plus Card provides consistent rewards for specific spending, the Discover it card can potentially offer higher returns depending on your spending habits.
| Feature | AT&T Points Plus Card | Discover it Cash Back Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Welcome Bonus | $100 statement credit | Match all cash back earned in the first year |
| Cash Back on Rotating Categories | N/A | 5% cash back |
The AT&T Points Plus Card is a good option for those who are loyal to AT&T and want to earn rewards on everyday purchases. However, for those who spend in various categories, other cards may provide better rewards and bonuses.
Tips for Getting the Most Out of Your AT&T Points Plus Card
Best Practices for Earning Points
To maximize your rewards, focus on spending in categories that earn higher points. Gas stations and grocery stores are your best bets, as they offer 3 and 2 points per dollar spent, respectively. This means that if you spend $100 at a grocery store, you could earn 200 points, which adds up quickly over time.
How to Avoid Fees
To avoid any unnecessary fees, make sure to pay your balance in full each month. This way, you won’t incur interest charges. Additionally, keep track of your spending to ensure you don’t exceed your budget. Staying within your limits can help you maintain a good credit score and avoid late fees.
Utilizing Card Benefits Effectively
Take advantage of the statement credits available for AT&T customers. By enrolling in autopay and paperless billing, you can earn up to $240 in credits annually. This means that if you spend $1,000 in a billing cycle, you could receive a $20 statement credit.
By understanding how to earn and redeem your points, you can make the most of your AT&T Points Plus Card. Remember, maximizing your Citi ThankYou Points can lead to significant rewards over time!
Final Thoughts on the AT&T Points Plus Card from Citi
In summary, the AT&T Points Plus Card from Citi can be a good choice for AT&T customers who want to earn rewards on their everyday spending without paying an annual fee. With the chance to get statement credits on your AT&T bill, it offers some nice benefits. However, the sign-up bonus isn’t as high as some other cards, and you won’t earn extra points for shopping at AT&T. If you spend a lot on gas and groceries, this card might work well for you. But if you’re not an AT&T customer or if you want more rewards, you might want to look at other options.
Kuldeep Nirgude is a computer science student with a strong interest in finance and marketing. With a focus on analyzing industry trends, he writes articles that simplify complex concepts and empower readers to make informed decisions. Kuldeep is dedicated to bridging the gap between technology and business, and is committed to staying updated on the latest innovations shaping the economy.