AT&T and Citi Enhance the AT&T Points Plus Card

¹AT&T Points Plus Card Pricing: A variable APR of 19.49% - 27.49% based on your creditworthiness, applies to purchases, balance transfers, and Citi Flex Plans subject to an APR. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to 1.72% will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. The variable APR for cash advances is 29.74%. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge is $0.50. Annual Fee – None. Fee for foreign purchases – None. Cash advance fee – either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee – either $5 or 5% of the amount of each transfer, whichever is greater. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply. Any benefit, reward, service or feature offered in connection with your Card Account may change or be discontinued at any time for any reason, except as otherwise expressly indicated. Citi isn't responsible for products and services offered by other companies. Rates as of 04/20/2026.
²AT&T AutoPay and Paperless Bill Discount: $10 a month per wireless phone line and/or internet bill ($5 a month for AT&T Internet Air®) if enrolled in both paperless billing and AutoPay with a bank account or the AT&T Points Plus® Card from Citi. Discount reduced to $5 a month per wireless phone line and/or internet bill when enrolled in AutoPay with a debit card. No discount if enrolled in AutoPay with any other credit card ($5 a month for AT&T Internet Air if enrolled in AutoPay regardless of payment method). Wireless customers pay full plan cost until discount starts within 2 bills. Internet customers pay full plan cost until discount starts within 3 bills. Must maintain valid email address to continue discount. AT&T employees, retirees, and IMO consumers are not eligible for the AutoPay and paperless bill discount. Discount is provided solely by AT&T and is not a benefit of the AT&T Points Plus Card from Citi.
³Citi Statement Credit: You can earn a statement credit on your AT&T Points Plus Card from Citi every billing cycle with qualified spend. If you spend $1,000 or more on purchases in a billing cycle, you will receive a $20 statement credit. The spend amount is based on net new purchases (calculated as total purchases minus total returns and refunds), excluding balance transfers, cash advances, checks that access your Card Account, items returned for credit, unauthorized charges, interest and account fees, travelers checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets, gaming chips (and similar betting transactions).