Citi and AT&T announced today a new credit card: the AT&T Points Plus Card from Citi. The card has no annual fee, can earn up to $20 statement credit each month with $1,000 spend, and has $100 signup bonus.
AT&T Points Plus
Direct application link | Press Release
- Signup Bonus: earn $100 statement credit after spending $1,000 in the first 3 months. The acquisitions bonus is not available if you have previously received a new account bonus for an AT&T Points Plus Card from Citi account in the past 48 months.
- Ongoing Bonus: Postpaid AT&T wireless customers can earn $10 or $20 statement credit every billing cycle you spend $500 or$1,000, respectively. Requires paperless billing and autopay with the card.
- No annual fee.
- Card issued by Mastercard.
Card Rewards
The card earns ThankYou points:
- Earn 3x ThankYou Points for every $1 spent at gas stations.
- Earn 2x ThankYou Points for every $1 spent at grocery stores, including grocery delivery services.
- Earn 1x ThankYou Point for every $1 spent on all other purchases, including AT&T products and services.
Our Verdict
The older AT&T cards haven’t been available for signup for a while now. Nothing too exciting here on this new card, though the 3x ThankYou points on gas is nice. Strange that they don’t have AT&T as part of a bonus category, but I guess they hook you in there with the autopay requirement on the card to get the $20 bonus.
Some people might find the $100 signup bonus worthwhile. Someone who is an AT&T postpaid customer might find it worthwhile to spend exactly $1,000 on the card each month to get the $20 monthly credit, especially if you can spend in a bonus category such as Gas.
Before applying for a Citi card, check out these Things To Know About Citi Credit Cards. We’ll add this to our List Of Best Credit Card Signup Bonuses.
So… for the life of me I just can’t figure out exactly what is the benefit of this card?
It seems AT&T goes out of it’s way to cannibalize it’s value.
I mean, given that it calls itself the ‘AT&T Points Plus’ card you’d assume there’s some benefit to using it at AT&T, but you would be mistaken.
You get the regular 1 TYP per dollar at AT&T
This so called ‘$20 credit’ for spending $1000 a month and paying your AT&T bill actually requires that this card be enrolled in the autopay with AT&T. But the moment you do that, it causes your bill to increase by $10 per line per month (vs having the bank account linked to autopay). So, for example, if you have 4 lines, you end up paying an additional $10X4-$20 = $20 each month using this — and you have to make sure you hit the $1000 monthly threshold to even trigger the credit.
This card has literally lost any tangible benefit.
You’re literally far better off having your bank account linked with AT&T for Autopay, but then going and paying your statement manually with any other credit card that gives a bonus for cell phone providers.
Is there anything I’m missing that might redeem this cards value? At this point it seems whatever niche it had is pretty much abandoned.
Citi added EV charging to the 3x category.
It’s worth noting that AT&T will hide an additional $10 per month in your billing if you pay with a credit card. They go out of their way to obfuscate that as they do in most of their billing details.
Do you need to spend $1000 ‘plus’ the AT&T charge for the $20 credit, or do you just need to spend $1000 – ‘AT&T charge’ (= $1000) ?
Got a mailer for a $250 sign up on this (vs $100 public offer) , so I’m kind of tempted.
Meh
I’m getting 5% back on AT&T cell service using the Amex Simply Cash + Biz card.
Citi definitely needs to step their game up.
Interesting. We have very old AT&T Universal card and it’s points worth 0.8c. I wonder how much they worth on this one. If also 0.8 then it’s not 3% on gas.
Its TYP so 1c
Minimum. Wonder what redemption options this card gets for TYP.
Double Cash is better if you can get the SUB before it ends.
I guess they’re turning a blind eye to the Verizon card, not even trying to be competitive. This one’s a snooze.
Lol.. I miss the AT&T Access More card which offered a $650 rebate on phone purchase with $2000 spending…that was a much better offer…