Citi.com Earn Points Plus
The AT&T Points Plus Card from Citi, which allows AT&T wireless customers to earn bonus ThankYou Points and statement credits on their phone bill. The card offers accelerated earning rates in categories like gas/EV charging stations and grocery stores, along with potential statement credits based on monthly spending and a welcome bonus for new cardholders.For more details, visit CLICK HERE.
AT&T Points Plus® Card from Citi
- Earn a $200 statement credit after you spend $1,000 on purchases in the first 3 months of account opening.
- Earn a $10 per line monthly discount on your AT&T wireless bill and a $10 monthly discount on your eligible AT&T internet bill when enrolled in AutoPay and paperless billing at AT&T.
- Earn a $20 statement credit on your AT&T Points Plus® Card from Citi each billing cycle after you spend $1,000 or more on purchases. That's up to $240 a year!
- Earn 3 ThankYou® Points for every $1 spent at gas and EV charging stations.
- Earn 2 ThankYou® Points for every $1 spent at grocery stores and 2 ThankYou® Points for every $1 spent on AT&T products and services.
- Earn 1 ThankYou® Point for every $1 spent on all other purchases.
- Earn unlimited points that do not expire and redeem them your way. Choose from gift cards, travel rewards, online shopping at participating merchants and more.
- No Annual Fee.
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
- 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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