FEATURED CREDIT CARDS

Mission Lane Visa^® Credit Card

✓ No Annual Fee
✓ Fair Credit
✓ Enjoy coverage from Visa^®.
*See Card Terms

Indigo^® Mastercard^® - $1,000 Credit Limit

✓ Get the credit limit you deserve—$1,000 guaranteed if approved
✓ Don't Have Perfect Credit? No Problem!
Rates & Fees

Milestone^® Mastercard^® with Cashback Rewards

✓ 5% Cashback Rewards on your first $5,000 in gas purchases!
✓ Guaranteed $1,000 credit limit if approved.
Rates & Fees

AT&T Points Plus^® Card Benefits

Accurate as of: May 26, 2026

The AT&T Points Plus^® Card from Citi is built for people who already pay an AT&T bill and want to turn that expense into monthly savings and rewards.

With a mix of statement credits, bill discounts, and ThankYou^® Points, this card can deliver ongoing value — especially if you use it consistently.

Below is a full breakdown of the AT&T Points Plus^® Card benefits and how they actually work.

Affiliate Disclosure: We are a professional review site that receives compensation from the companies whose products we review and recommend. If you apply for a credit card through our links, we may earn a commission. We are independently owned, and the opinions expressed here are our own.

$200 Statement Credit Bonus

New cardholders can earn:

$200 statement credit
After spending $1,000 within the first 3 months

This is a straightforward welcome offer and one of the easier bonuses to qualify for.

Monthly AT&T Bill Discounts

Cardholders can receive:

$10 per line monthly discount on AT&T wireless
$10 monthly discount on eligible AT&T internet

To qualify:

Enroll in AutoPay
Use paperless billing

If you already pay for AT&T services, this becomes automatic monthly savings.

Earn Up to $240 Per Year in Statement Credits

One of the strongest benefits of this card:

Spend $1,000 or more in a billing cycle
Earn a $20 statement credit

That equals up to $240 per year, acting as a built-in rebate for consistent monthly spending.

Earn ThankYou^® Points on Everyday Purchases

3X Points

Gas stations
EV charging stations

2X Points

Grocery stores
AT&T products and services

1X Points

All other purchases

Points do not expire and can be redeemed for travel, gift cards, shopping, and more.

No Annual Fee

$0 annual fee

This makes the card easy to keep long-term without needing to offset a yearly cost.

Rates and Credit Requirements

APR: 19.49% - 27.49% (Variable)
Annual Fee: $0
Credit Level: Good

Most applicants approved for this card have good credit, but approval depends on more than just your score. If you're unsure where you stand, see the full breakdown of AT&T Points Plus^® Card credit score requirements and what Citi typically looks for.

Who This Card Is Best For

People who already have AT&T wireless or internet
Those who can spend around $1,000 per month
Anyone wanting ongoing statement credits instead of just a one-time bonus
Users who prefer a no annual fee card

Bottom Line

The AT&T Points Plus^® Card from Citi is designed for a specific type of user — someone who already pays AT&T and wants to turn that bill into rewards and monthly savings.

Between the $200 bonus, recurring bill discounts, and up to $240 in yearly statement credits, the value can add up quickly for the right cardholder.

About the Author

My name is Paul Basco, and I’ve spent years working in affiliate marketing and analyzing the credit card industry. During that time, I’ve reviewed hundreds of credit card offers, tracked how these cards actually affect people over time—including how fees, usage habits, and timing decisions impact long-term credit outcomes.

This site is built on real-world experience—not theory—with a focus on helping people avoid costly mistakes and make informed financial decisions that benefit them long-term.

Found this guide helpful? Save this for later as you continue your financial journey!

FICO^® Credit Scores

A FICO^® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.

FICO^® Score Ranges:

Exceptional: 800–850
Very Good: 740–799
Good: 670–739
Fair: 580–669
Poor: 300–579

FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.

What is a Credit Score?

A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.

Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.

FICO^® Credit Score Facts

Key Characteristics:

Three-Digit Number: Summarizes your credit risk.
Range: 300–850; higher scores = lower risk.
Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.

Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.

Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.

*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.

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