RateHerald

Our illustration in the card’s colours, not its design

Citi credit card

AT&T Points Plus® Card from Citi

No annual fee. $200 statement credit after you spend $1,000 in 3 months. Purchase APR 19.74–27.74%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Citi’s terms

Welcome offer

200 credit

After you spend $1,000 on purchases in your first 3 months.

Spending it takes
$333 a month
for 3 months
Tracking since
Oct 11, 2026
history will chart every change

New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply.

  • Smaller than about 60% of the 48 other cash bonuses we track.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$380$180
Typical spender$620$420
Heavy spender$1,040$840
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢.

$180a year

$380 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.

$420a year

$620 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.

$840a year

$1,040 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 80% of the 732 cards we track.

  • No annual fee, like about 85% of the 711 cards we track.
  • Lower top APR than about 55% of the 163 cards on our Sign-up bonuses list (see the list).

Other points cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Citi ThankYou® Rewards

How you earn

3×
Gas & EV charging stations
2×
Grocery storesAT&T products & services
1×
Everything else

Points per dollar. “What it’s worth” values a point at an assumed 1¢.

Benefits

  • AT&T wireless bill discount: $10 monthly
  • AT&T internet bill discount: $10 monthly
  • $20 statement credit each billing cycle after spending $1,000 or more on purchases
  • No foreign transaction fees
  • Citi Travel: book flights, hotels, car rentals and attractions using an eligible Citi card, points or a combination of both
All 6 benefits
  • Citi Entertainment access to purchase tickets to events, including presale tickets

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Penalty APR
Late payment
Returned payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
None · citi.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. · citi.com, since Sep 29, 2026
What is the purchase APR?
19.74–27.74% APR · citi.com, since Oct 8, 2026
Is there a welcome bonus?
$200 statement credit after $1,000 in purchases in 3 months. · citi.com, since Oct 11, 2026
See it on citi.com

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