AT&T Points Plus® Card from Citi: annual fee, APR and rewards

Fact sheet for the AT&T Points Plus® Card from Citi, issued by Citi, with no annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Citi
Annual fee	$0
Rewards	Points: Earn 3 ThankYou® Points for every $1 spent at gas and EV charging stations; 2 points per $1 at grocery stores; 2 points per $1 on AT&T products and services; 1 point per $1 on all other purchases. $20 statement credit each billing cycle after you spend $1,000 or more on purchases (up to $240 a year).
Purchase APR	A variable APR of 19.74% - 27.74% based on your creditworthiness, applies to purchases, balance transfers, and Citi Flex Plans subject to an APR.
Balance transfer fee	Either $5 or 5% of the amount of each transfer, whichever is greater
Sign-up bonus	Earn a $200 statement credit after $1,000 in purchases in the first 3 months.
Foreign transaction fee	None
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 23.49%, with a range of 19.49% to 27.49%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.