Citi AT&T Point Plus Card (2024)

AT&T Points Plus® Card from Citi

*Pricing & Information

A variable APR of % – % 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 %. The variable Penalty APR is up to % 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 transactions – 3% of the U.S. dollar amount of each purchases. Cash advance fee – either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee – either $ or % 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.

**Additional Information

Any benefit, reward, service or feature offered in connection with your Card Account may change or be discontinued at any time for any reason without notice, except as otherwise expressly indicated. Citi isn't responsible for products and services offered by other companies.

Bonus Offer:

Earn $100 statement credit after you spend $1,000 on purchases in the first 3 months of account opening. 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) are not purchases. Purchases must post to your account during the promotional period. Many merchants will wait for a purchase to ship before they post the purchase to your account. Offer available to new AT&T Points Plus cardmembers approved through this offer. Citi will only issue one AT&T Points Plus account per person. You will qualify for the bonus offer only if you have not received a bonus offer for opening a new AT&T Points Plus card in the past 48 months.

AT&T Wireless Bill Credits:

You can earn a statement credit on your AT&T Points Plus Card every billing cycle with qualified spend on your AT&T Points Plus Card from Citi and use of your Card to autopay an AT&T consumer postpaid wireless bill (“AT&T Wireless Bill”). To earn the statement credit, your qualifying AT&T wireless account must be enrolled in paperless billing and AutoPay with your AT&T Points Plus Card as the payment method at the end of the billing cycle. To enroll or learn more about AT&T paperless billing and AutoPay, please visit att.com or call AT&T at 1-800-331-0500.

The amount of your statement credit will be based on the purchases you made on your AT&T Points Plus account during the billing cycle. If you spend $500-$999.99 on purchases in a billing cycle, you will receive a $10 statement credit; 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).

Only one statement credit will be issued per billing cycle on your AT&T Points Plus Card account even if more than one qualifying AT&T Wireless Bill is charged to your account during a billing cycle.

Citi®ThankYou®Rewards

Summary of the ThankYou Rewards Terms and Conditions for the AT&T Points Plus Card

With the AT&T Points Plus Card from Citi, you can earn ThankYou Points for purchases made on your card.

Unless you are participating in a limited-time offer, you will earn:

  • 3 ThankYou Pointsfor each $1 spent at gas stations.
    • Certain Non-Qualifying Purchases: Gasoline purchases at warehouse clubs, discount stores, convenience stores or other merchants that do not use gas station merchant category codes.
  • 2 ThankYou Pointsfor each $1 spent at grocery stores, including grocery delivery services, supermarkets, meat/seafood stores, dairy stores, bakeries and miscellaneous food/convenience stores.
    • Certain Non-Qualifying Purchases: General merchandise/discount superstores; wholesale/warehouse clubs; candy, nut and confectionery stores and other merchants that do not use grocery store merchant category codes.
  • 1 ThankYou Pointfor each $1 spent on other purchases, including the non-qualifying purchases listed above.

Only Purchases Earn Points

You'll earn Points for purchases using your Card Account, minus returns and refunds. 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) do not earn ThankYou Points.

Merchant Classifications for Rewards Categories

Merchants are assigned a merchant category code ("MCC"), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. We don't control the assignment of these codes and are not responsible for the codes used by merchants. When you use your card to make a purchase, we're provided an MCC for that purchase. We group similar merchant codes into categories for purposes of identifying your spend category. Sometimes you may expect a purchase to fit within a rewards category, but if the code assigned to the merchant wasn't grouped into that category, as recognized by Citi, your purchase amount will not be included in the spend for that billing cycle. For example, you won’t earn additional points for purchases at a gas station located at a warehouse club if the gas station is assigned a "warehouse club" code instead of a “gas station” code. Please also note – purchases made through mobile/wireless technology may not be included in the anticipated category depending on how the technology is set up to process the purchase. We reserve the exclusive right to determine in which category purchases are placed.

Open and Current Card Account

You may earn Points as long as your Card Account is open and current. If your Card Account is closed, you will not be able to earn Points.

Please see the Citi ThankYou Rewards Terms and Conditions at thankyou.com/terms, or call us at 1-800-THANKYOU (1-800-842-6596) to request a complete copy of the Terms and Conditions. For TTY: Use 711 or other Relay Service. The Terms and Conditions include redemption information for the Citi ThankYou Rewards Program.

Fraud, Misuse, Abuse, or Suspicious Activity

If we see evidence of fraud, misuse, abuse, or suspicious activity, as determined by us in our sole discretion, we reserve the right to take action against you. This may include, without limitation and without prior notice, any or all of the following:

  • Taking away your accrued Points
  • Stopping you from earning Points
  • Suspending or closing your Citi Account or ThankYou Account
  • Taking legal action to recover Rewards redeemed because of such activity and to recover our monetary losses, including litigation costs and damages

Some examples of fraud, misuse, abuse and suspicious activity include:

  • Buying or selling Points
  • Repeatedly opening Card Accounts or Citibank Checking Accounts for the primary purpose of acquiring Points
  • Using your Card Accounts or Citibank Checking Account in an abusive manner for the primary purpose of acquiring Points
  • Points redemptions that you didn't authorize

Please contact the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) (For TTY: Use 711 or other Relay Service) immediately if You suspect Your ThankYou Account is the target of fraud or suspicious activity.

Citi Entertainment®:

Citi Entertainment®offers are available to Citi credit card members and Citibank Debit Mastercard customers. Some restrictions apply. See citientertainment.com for specific offer details and information. Citi is not responsible for products or services offered by other companies.

FICO

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Your FICO®Score is calculated based on data from Equifax using the FICO®Bankcard Score 8 model and may be different from other credit scores. FICO®Scores are intended for and delivered only to the Primary cardmember and only if a FICO®Score is available. Disclosure of this score is not available for all Citi products and Citi may discontinue displaying the score at our discretion.

Your FICO®Score is provided for your own non-commercial personal review, use and benefit. Citi and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Citi and Fair Isaac do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.

Mastercard ID Theft Protection

Services are provided for by Mastercard through Generali Global Assistance Inc. ("GGA"), a third-party service provider. To activate the ID Theft Protection benefit, offered by Mastercard, you must go to GGA's site to sign up with your Citibank Mastercard card number. Your eligibility will be verified by your card number at the time of enrollment. For more information about the ID Theft Protection benefit, visit https://mastercardidps.idprotectiononline.com or call 1.866.987.1007. Citi is providing this URL as a convenience to you, is not responsible for products and services offered on this website and makes no guarantees or warranties regarding the website content, privacy policies, or security. GGA may have a privacy policy and security practices that differ from Citi standards. We recommend that you read the terms of service, terms & conditions, and the privacy policy at https://mastercardidps.idprotectiononline.com. Certain terms, conditions, and exclusions apply.

Citi AT&T Point Plus Card (2024)
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