CardflareAT&T Points Plus from Citi
Citi
Key facts
- Annual fee$0
- RewardsPoints
- Everything else earns1x points
- Minimum credit score670
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Gas | 3x points | No cap stated |
| Groceries | 2x points | No cap stated |
| Utilities | 2x points | No cap stated |
| Everything else | 1x points | No cap stated |
At specific merchants
- 2x points at AT&T (AT&T products and services)
Signup bonus
$200 after $1,000 of spend in the first 3 months.
Credits and benefits
The credits the catalog models as fee offsets. Not a complete list of every perk.
- $20 a month — $20 statement credit each billing cycle with $1,000+ in purchases (up to $240 a year)
- $10 a month at AT&T — $10 off per wireless line monthly and $10 off eligible internet with AutoPay and paperless billing
Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with Citi; the card name is its owner's trademark.