This card’s welcome bonus has increased to $200! The perks have also been updated, and now even non-AT&T users can get $20 back each month by spending $1,000. AT&T customers can keep this card long term, with discounts on wireless and internet bills.

This welcome bonus is really easy to earn, so I added it to the rankings

Citi AT&T Points Plus Credit Card Overview

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Full review

Citi AT&T Points Plus Credit Card

A solid everyday card with extra rewards for AT&T customers

  • Welcome bonus: $200 (spend $1,000 in 3 months)
  • Rewards: 3x on gas, 2x at supermarkets and on eligible delivery services, 1x on everything else;
  • Redemption: Points can be redeemed for cash back; if you also have a premium card, points can be transferred to airline miles
  • Annual fee: $0
  • Apply now>>

Perks

  • Up to $20 in extra monthly rewards: Spend $1,000 on this card each month (any purchases count) to earn a $20 reward. You do not need to be an AT&T customer.
  • AT&T bill discount: Use this card to pay your AT&T wireless or internet bill, and you can automatically get $10 off per line
AT&T Points Plus cardmembers can now enjoy a $10 per line monthly discount on their AT&T wireless bill and a $10 monthly discount on their eligible AT&T internet bill when enrolled in AutoPay and paperless billing.

Citi Card Benefits

  • Free FICO credit score: from Equifax, with a chart of your historical scores

Points Program Overview

  • Point value: Average value is 1.5c/p, 100 TYP = $1.5 (Point value and analysis)
  • Direct redemption: Redeem at 1c/p for Statement Credit
  • Point transfers: 1:1 transfer to AA (good for U.S.-China and U.S.-Europe redemptions, especially premium cabins); 1:1 transfer to Virgin Atlantic miles (good for Delta One nonstop awards and ANA round-trip first class between the U.S. and Japan); 1:1 transfer to Avianca miles (good for U.S.-China business class, ANA and Asiana first class between the U.S. and China, with no YQ on ticketing); 1:1 transfer to Qantas Airways (QF) miles (good for nonstop U.S. domestic awards and U.S. East Coast to Western Europe). You need to hold the ThankYou Premier or Prestige to transfer TYP to airline and hotel points.
  • Program features: You can pool all TYP points into one account and use them together. TYP points on each card expire separately, so it’s best to use up the TYP from a card before closing it. You can transfer up to 100k TYP per year to a friend’s account.
  • My quick take: For TYP airline partners, just keep AA, AV, and VS straight. Hilton as a hotel partner is also not really worth transferring to. Redeeming for cash/gift cards is only worth 1 cent per point. So the value is about 1.3c, and a few of the more niche airline partners still make it interesting.
  • Detailed analysis: ThankYou Points guide>>

My Thoughts

This is a new Citi card, but it’s a little strange that the AT&T-focused benefits are somewhat limited. There isn’t even any extra cashback on AT&T purchases. And honestly, that $20 monthly bonus is pretty hard to earn — requiring $1,000 in spending is a bit much.

That said, as a no-annual-fee card, earning 3x points on gas is still pretty impressive. Maybe this card should just be renamed the Citi Gas Card.

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  • If you received the welcome bonus for this card (Citi AT&T Points Plus) within the past 48 months, you won’t be eligible for the welcome bonus again when you reapply.
  • Citi application status link or call: 877-343-4118
  • 8/65/95 rule: You can apply for only one personal card every 8 days, only two personal cards every 65 days, and only one business card every 95 days. This refers to application submission limits, regardless of whether you were approved or not.
  • 24/48-month welcome bonus rule: If you have received a welcome bonus on a ThankYou Points card within the past 24 months, you will not be eligible to receive the bonus again. For AA products, the restriction is 48 months, but both rules apply only to the same card; there is no restriction across different card families.
  • You can call the reconsideration line (800-763-9795) to speed up the credit card approval process or ask a representative to review a denied credit card application again.
  • Having a Citi Checking/Gold relationship may help with your application.
  • More about applying for Citi credit cards

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