The AT&T Points Plus Card from Citi gives you more than just points. The AT&T credit card lets you cut your wireless bill while earning valuable rewards.
In this guide, you'll learn how to apply for this credit card and how to benefit from it. We’ll also cover interest rates, statement credits, and support options.
Key Features of the AT&T Credit Card
This credit card is designed for regular spenders and AT&T users. This credit card helps you earn points while reducing your phone bill.
Here are the core features you need to know. They can help you decide if this card fits your needs.
Monthly Statement Credits
You can earn recurring credits by using the card monthly. Spending $1,000 or more in a billing cycle gives you a $20 statement credit.
Spending between $500 and $999.99 earns you $10. Over a year, that totals up to $240 in credits.
This benefit is exclusive to AT&T Wireless customers. You must use AutoPay and paperless billing to qualify.
ThankYou Points on Every Purchase
You’ll earn ThankYou Points no matter where you shop. Gas stations and EV charging stations earn you 3x points per $1 spent. Grocery store purchases get 2x points.
All other purchases earn 1x point per dollar. These points can be used for gift cards, travel, or credits. There’s no limit, and the points don’t expire.
Extra AT&T Perks
This card rewards loyal customers. You can save $5 per line on your monthly AT&T bill if enrolled in AutoPay. There is no annual fee to worry about.
You also get a digital dashboard with Citi Mobile App support. The card is also contactless for faster payments. These perks make your everyday expenses a bit lighter.
How to Apply for the AT&T Credit Card?
Getting started is simple and quick. The application process is all online. Follow this section to make sure you're fully prepared. You’ll find the card easy to get if you meet the criteria.
Who Can Apply?
The card is open to most U.S. residents. You need to be 18 or older, or 19 in some states. A valid SSN or ITIN is required. A good credit score is highly recommended.
Applicants with scores above 670 are more likely to be approved. You should also have a stable source of income.
Step-By-Step Application Guide
To make the process simple, follow these exact steps when applying. The AT&T credit card application is fully online and takes just a few minutes.
- Visit the AT&T official website.
- Select the AT&T Points Plus Card and click "Apply Now."
- Enter your personal, contact, and financial information.
- Agree to the terms and conditions.
- Submit your application for review.
If approved, expect to receive your card by mail within 7–10 business days.
After Approval
Once you get your card, activate it right away. Set up your Citi Mobile App for full control and alerts. Link it to your AT&T account to unlock the $5/month per line discount.
Make sure you activate AutoPay and paperless billing. This ensures you receive statement credits. Always review your billing statements to track rewards and credits.
How You Can Earn More Value?
Using the card wisely increases your total savings. This section explains how your AT&T credit card can deliver more than points.
The trick is to spend strategically across bonus categories. You’ll gain higher returns every billing cycle.
Annual Statement Credits Example
Let’s say you spend $1,000 monthly using your card. That gives you a $20 credit every month. Over 12 months, that adds up to $240.
This is a guaranteed benefit if you follow the spending rules. Remember to keep your AT&T account in good standing. Don't forget to pay your card on time.
Sample ThankYou Points Breakdown
Your monthly spending affects how many points you get. Spending $300 at gas stations gives 900 points.
Spending $400 at grocery stores earns 800 points. Another $300 on general purchases gives 300 points.
In total, that’s 2,000 points per month or 24,000 annually. These can be redeemed for gift cards worth around $240.
Total First-Year Value
In your first year, you may also get a $200 welcome bonus. That’s for spending $1,000 in the first 3 months. Combine that with $240 in credits and $240 in gift card value.
The total value becomes $680. That's a strong return for a no-fee card. You just need to meet the minimum spending requirements.
Interest Rates and Fees
Understanding the rates helps you avoid costly mistakes. This credit card has variable rates based on your credit profile.
This section provides the current estimates and what to expect. Always check the official terms for updates.
Purchase and Penalty APRs
The regular purchase APR is around 29.99% variable. Cash advances also carry a similar APR. Penalty APR may apply if you miss payments.
Interest charges apply if you don’t pay your balance in full. The grace period usually gives you at least 21 days. Paying on time is the best way to avoid interest.
Other Fees
There is no annual fee. Late payments may cost up to $41. Foreign transaction fees might apply on overseas purchases.
There may be fees for balance transfers or cash advances. Review the card’s full terms before applying. These are available on Citi’s official website.
Customer Support and Contact Info
Help is available when you need it. Whether it’s a billing issue or card activation, support is easy to access. This part gives you all the key contact options. It’s best to save these for quick use.
How to Reach Citi?
For card inquiries, call 1-800-950-5114. For lost or stolen cards, call the same number immediately. You can also access help through the Citi Mobile App.
Online chat is available on Citi’s website. Their support is 24/7 for most services. You can also check AT&T’s billing support.
AT&T Billing Help
For billing issues, call 1-800-331-0500. Use this line if you want to confirm your AutoPay setup. You can also check eligibility for the $5 monthly discount.
It also provides live chat on their website. Make sure your billing account and credit card info match. That ensures you keep getting your credits.
Final Thoughts: Is This Card Right for You?
The AT&T credit card is a strong choice for AT&T users. It gives statement credits, bonus points, and a generous welcome offer. With no annual fee, you keep more of your rewards. Apply now if you want to get more out of your everyday purchases.
Disclaimers: Offer terms can change and may vary by applicant. Read all terms and disclosures before applying.
