The AT&T Points Plus® Card from Citi is a compelling choice for those seeking a credit card that combines generous rewards with no annual fee. Tailored to enhance the user experience, this card offers a unique blend of benefits that cater to both everyday spending and specific AT&T services. 

In this comprehensive guide, we’ll explore the key aspects of the AT&T Points Plus® Card, including its fee structure, credit limit determination, and the extensive advantages it provides. We’ll also address some potential drawbacks and eligibility criteria, helping you make an informed decision about this card.

Key information about the credit card

How does the annual fee work?

One of the significant advantages of the AT&T Points Plus® Card is that it comes with no annual fee. This feature alone sets it apart from many other credit cards on the market, which often charge annual fees that can range from modest to exorbitant. The absence of an annual fee means that cardholders can enjoy the full range of benefits without worrying about an additional yearly expense.

How is the credit limit determined?

The credit limit for the AT&T Points Plus® Card from Citi is determined based on a variety of factors, typical of how limits are set for conventional credit cards. These factors include the applicant’s credit score, income level, debt-to-income ratio, and overall creditworthiness.

When an individual applies for the card, Citi assesses their financial profile to decide the appropriate credit limit, ensuring it aligns with their ability to manage and repay the borrowed amount. For those with a strong credit history, the credit limit can be quite generous, whereas individuals with a more modest or rebuilding credit profile may receive a lower limit initially.

Advantages of the credit card

• Earn up to $440 back: New cardholders can receive a $200 statement credit after spending $1,000 within the first three months. Additionally, AT&T Wireless customers can earn up to $240 annually in statement credits, making it a lucrative option for loyal AT&T users.

• No annual fee: As mentioned earlier, the card does not charge an annual fee, allowing users to enjoy the benefits without an added yearly cost.

• No limit on points earned: There is no cap on the number of ThankYou Points that can be earned, and the points do not expire, providing flexibility and long-term value.

• Exclusive offers and discounts: Cardholders may also have access to exclusive offers and discounts on AT&T products and services, enhancing the overall value of the card.

Standout advantage

One of the most compelling features of the AT&T Points Plus® Card is its robust ThankYou® Points program. This program allows cardholders to earn points on virtually every purchase, which can then be redeemed for a variety of rewards. The ability to earn 3 points per dollar at gas stations and 2 points per dollar at grocery stores makes it particularly beneficial for those with regular expenses in these categories.

Disadvantages

• Specific spending requirements for maximum rewards: To earn the highest rewards, such as the $20 monthly statement credit for AT&T Wireless customers, cardholders must meet specific spending thresholds, which might not be feasible for everyone.

• Limited bonus categories: While the ThankYou Points program is robust, the highest earning rates are limited to gas stations and grocery stores. Purchases outside these categories earn points at a lower rate.

• Dependency on AT&T services: Some of the card’s best benefits, like the statement credits, are tied to AT&T services. Non-AT&T customers may not find the card as advantageous.

A standout disadvantage

A notable disadvantage of the AT&T Points Plus® Card is its reliance on AT&T services to unlock its full potential. For example, to earn the $20 monthly statement credit, cardholders must have an AT&T consumer postpaid wireless account and use the card for AutoPay. This requirement can be restrictive for individuals who do not use AT&T services or prefer other service providers.

Who can apply for this card?

The AT&T Points Plus® Card is available to a wide range of applicants, but there are specific eligibility criteria that must be met. Applicants must be at least 18 years old and have a valid Social Security number or Individual Taxpayer Identification Number.

While there is no explicit minimum income requirement stated, applicants need to demonstrate a stable income that supports their ability to manage credit. Additionally, a fair to excellent credit score is typically required, as Citi evaluates the applicant’s creditworthiness during the approval process.

How to apply for the AT&T Points Plus® Card

For the website

To apply online, applicants can visit the official AT&T website and navigate to the AT&T Points Plus® Card page. From there, they can click on the “Apply Now” button, which will redirect them to Citi’s secure application portal. It’s important to ensure that popup blockers are turned off to avoid any issues during the application process.

Applicants will need to provide personal information, such as their name, address, Social Security number, income details, and employment information. Once all the required information is submitted, Citi will review the application and provide a decision, usually within minutes.

Through the app

Applicants can apply for the AT&T Points Plus® Card through the AT&T mobile app. This method provides the convenience of applying from anywhere using a smartphone or tablet. The process is similar to the online application, requiring the same personal and financial information.

Additionally, the mobile app allows applicants to track the status of their application and receive updates in real-time. This streamlined process ensures that users can manage their credit card application efficiently and stay informed throughout each step. The mobile app’s user-friendly interface makes the application process quick and accessible, enhancing the overall experience for potential cardholders.

At the branch

For those who prefer a more personal touch, applying in person at an AT&T store is an option. Applicants can visit any AT&T retail location and speak with a representative who can guide them through the application process.

This method allows applicants to ask questions and get immediate assistance if needed. Additionally, applying in person can be beneficial for individuals who are new to AT&T services, as they can explore other AT&T products and services that may complement their new credit card.