Points · Mastercard · No annual fee
Last verified 2026-09-09. Review issuer source
AT&T Points Plus Card From Citi is a no-annual-fee points card from Citi. Its best everyday rates are 3x on gas stations, 2x on AT&T, and 2x on grocery stores; everything else earns 1x.
On our reference budget of $24,600 a year it returns about $354, an effective 1.4% back. The welcome bonus, $250 after $500 in 3 months, is the strongest reason to open it in a given year.
Put the bonus categories on it and everything else on a flat 2% card. On its own the base rate drags the average down.
Earn 2 ThankYou® Points for every $1 spent on AT&T products and services
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.
Earn a $250 statement credit after $500 in purchases in the first 3 months.
$10 off per line monthly discount on 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.
$20 back per billing cycle in statement credits after you spend $1,000 or more on purchases as an AT&T wireless customer — that's up to $240 a year.
Let 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.
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.
These come from Mastercard, not from Citi. Every card on the Standard Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Groceries 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+.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard 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.
Save 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.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| AT&T Points Plus® Card From CitiThis card · 3x on gas stations | None | $354 | +$354 | 514th of 1,291 |
| Citi Double Cash®Citi's most-held other card · 2% on everything | None | $492 | +$492 | 282nd of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
