AT&T Points Plus^® Card Credit Score

Accurate as of: May 26, 2026

If you're thinking about applying for the AT&T Points Plus^® Card from Citi, one of the first questions is what credit score you need to get approved.

While there is no publicly stated minimum score, this card is generally designed for applicants with good credit or better.

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Recommended Credit Score for Approval

Most applicants who qualify for the AT&T Points Plus^® Card typically fall within this range:

• Good Credit: 670 – 739
• Excellent Credit: 740+

If your score is in this range, your chances of approval are generally stronger.

Can You Get Approved with a Lower Score?

It may still be possible to get approved with a score below 670, but approval becomes less likely and depends on other factors such as:

• Your income
• Existing debt levels
• Recent credit activity
• Payment history

Even with a decent score, negative marks like recent late payments or high balances can affect your chances.

Why Credit Score Matters for This Card

The AT&T Points Plus^® Card includes rewards, statement credits, and no annual fee, which typically places it in the “good credit” category.

Because of that, issuers like Citi tend to approve applicants who show:

• Consistent payment history
• Moderate to low credit utilization
• Established credit accounts

Pre-Qualification vs Full Application

Some applicants may have the option to check for pre-qualification before submitting a full application.

This allows you to see if you’re likely to be approved without affecting your credit score with a hard inquiry.

However, pre-qualification does not guarantee approval.

Tips to Improve Your Approval Odds

• Pay down existing credit card balances
• Avoid applying for multiple cards at the same time
• Make all payments on time
• Keep your credit utilization low

Bottom Line

The AT&T Points Plus^® Card from Citi is best suited for applicants with good to excellent credit, typically a score of 670 or higher.

If your credit profile is solid and you already use AT&T services, this card can be a strong option for earning rewards and monthly statement credits.

If you meet the recommended credit range, the next step is deciding whether the rewards and statement credits fit your spending habits. You can review all features in our complete AT&T Points Plus^® Card benefits guide.