at&t universal card travel benefits

AT&T Universal Platinum Card Review

Summary - The ATT Universal Savings Platinum Card is a prepaid phone card and credit card combined into one. This card was designed for those who wants the convenience of using AT&Ts' prepaid phone card service with a credit card. We recommend the AT&T Universal Savings Platinum Card to an AT&T user, or those looking for either a low interest credit card because

• This is an AT&T phone card combined with a credit card
• There is no annual fee
• The APR is low
• No annual fee
• 2 free directory inquiries per month
• Up to 30 free phone minutes per month

Related Posts:

Wealthy Nickel

AT&T Universal Card: Benefits, Login, and Payments

If you spend a lot of money on AT&T products and services, enrolling in their credit card program might help slash your monthly bills. The AT&T Universal card comes with a lot of benefits backed by Citibank. You can accrue rewards while still easily making payments on your monthly statement. 

The AT&T Universal card comes in two varieties: The Universal Savings Platinum card and the Universal Savings and Rewards Card. Both have great benefits for AT&T customers and more general benefits offered by Citi. The payment login information is found  on Citi’s page .

If you are ready to learn more about how these cards could benefit you and how to manage them, let’s take a closer look. 

Table of Contents

AT&T Universal Card Benefits

For those who spend a lot of money on AT&T products and services, you may want to investigate their Universal cards. This company has partnered with Citi to offer two credit cards that offer a host of benefits to cardholders. If you want to save money and receive free perks like mobile phone insurance, this card might be right for you. 

The AT&T Universal cards give cardholders a 10 percent savings for the first year and then a 5 percent savings after on every dollar spent on AT&T products and services equal to the amount spent on other purchases.

This savings is reflected as a billing statement credit during the corresponding billing period. It can save cardholders up to $350 per calendar year. 

Other benefits depend on which card you enroll in, the Universal Savings Platinum Card or the Universal Savings and Rewards Card. Both offer a 12-month introductory promotion with a 0 percent APR on balance transfers.

They also offer two free directory assistance calls per month, 30 prepaid phone minutes, and free mobile phone insurance. 

The AT&T Universal Savings and Rewards Card offers additional benefits. They offer rewards points through Citi’s ThankYou Network with one point for every dollar spent on non-AT&T products or services. You can earn up to 50,000 points per year. 

The card also have  benefits from Citi , including: 

• $0 liability on unauthorized purchases
• Retail purchase protection
• 24-hour fraud protection
• Citi Identity Theft Solutions
• Auto rental insurance
• Emergency travel assistance
• Travel accident insurance

AT&T Universal Card Login

When it comes time to pay your credit card bill, you need to know how to make a payment easily and quickly.

Online payments are often the fastest and most convenient way to make sure your payment is made on time. Where do you go for the AT&T Universal Card login?

Many people would assume that they go to the AT&T website, but you actually head over to Citi’s website. You can sign in on  their main page  dedicated to this card. 

If this is your first time signing on, you will need to register first. You can do so by clicking on the “Register for Online Access” button beneath the login information. You will need the card number or account number to begin the process. 

Once you log on, you have access to a wide variety of features that will keep you up to date with your billing. You can view account summaries, current or past statements, and pay your bills online. 

Making an AT&T Universal Card payment is easy once you are logged in. Enter your user ID and password first, and then click the “sign on” button at the bottom of the screen. From here, you will follow these instructions: 

• Select “Pay Bill.”
• Enter the payment amount you wish to make (minimum balance, statement balance, or a custom amount). 
• You will need to enter your checking account details so make sure to have your account number and routing number available. 
• Click submit to send your AT&T Universal Card payment. 

If you need to  finance an iPhone with bad credit , take a look at our complete guide of reputable sites! 

Making an AT&T Universal Card Payment: Other Methods

If your internet just won’t cooperate with you, there are other options for paying your bill. You can choose to either pay via phone or drop a check in the mail. You should always have these two payment options saved somewhere, just in case you need to utilize them. 

To pay by phone, you can call 1-877-288-4577. 

This phone line operates 24/7, so you can always call in to pay your bill when it is most convenient for you. 

Sometimes, you might prefer to mail a check to pay your bill. While this is a valid option, you need to ensure that you mail it in time. Send checks at least five business days before your due date to ensure that it arrives on time. 

If you plan to mail a check, the address is: 

AT&T Universal Card P.O. Box 183037 Columbus, OH 43218-3037

Remember to always include your account number in the memo field on the check. This helps them to figure out which account they should apply your funds to. The account number is always located on your statement for quick reference. 

Making an AT&T Card Payment Easily

The good news is that paying your AT&T Universal card bill is quick and easy. There are several methods to go about it so that you can remain in good standing and keep accruing rewards. Head over to Citi’s website and explore everything you can do with your quick and easy login. 

• William Westerlund https://wealthynickel.com/author/william/ How Much Does McDonald’s Make a Day?
• William Westerlund https://wealthynickel.com/author/william/ Best Virtual Credit Card for OnlyFans 2023
• William Westerlund https://wealthynickel.com/author/william/ Can You Downgrade Amex Platinum?
• William Westerlund https://wealthynickel.com/author/william/ Does Amex Platinum Have Foreign Transaction Fees?

Leave a Comment Cancel reply

Reference.com

What's Your Question?

• History & Geography
• Science & Technology
• Business & Finance
• Pets & Animals

What Are Some Benefits of the AT&T Universal Card?

Benefits of the AT&T Universal card include saving on AT&T purchases, earning a credit based on all purchases and accumulating ThankYou Points, as reported by the card issuer, Citibank, as of July 2015. Benefit amounts vary between the AT&T Universal Savings Platinum card and AT&T Universal Savings and Rewards card.

Cardholders also receive identity theft protection, zero liability on unauthorized purchases, emergency card replacement, fraud warnings and free virtual account numbers, states Citibank. The AT&T Universal MasterCard provides up to $250,000 in global travel insurance, up to $50,000 in rental car loss/damage insurance and up to $10,000 per year in extended warranties.

MORE FROM REFERENCE.COM

Most links in our content provide compensation to Slickdeals. Applying for and maintaining consumer credit accounts is an important financial decision, with lasting consequences, and requires thought, planning and comparison shopping for the offer that best suits your personal situation. That's why we offer useful tools to evaluate these offers to meet your personal objectives. Be sure to verify all terms and conditions of any credit card before applying.

Search Slickdeals Money

Featured articles.

CIT Bank Platinum Savings vs. UFB Portfolio Savings: Battle of the High-APY Savings Accounts

UFB Direct Portfolio Savings: Earn 4.83% Interest With No Fees

UFB Direct Portfolio Money Market: Earn 4.83% APY

UFB Direct Savings Review: Earn Up to 4.83% APY

The Slickdeals team dives into the latest financial products

AT&T Points Plus Credit Card from Citi Review: Up to $240 in Annual Statement Credits

Select AT&T customers may find value in this card, but there are better options that earn higher rewards rates in similar categories.

• Share on Twitter
• Share on Facebook
• Share on Email

Most products on this page are from partners who may compensate us. This may influence which products we write about and where and how they appear on the page. However, opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain. Not all available financial products and offers from all financial institutions have been reviewed by this website. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

AT&T Points Plus® Card from Citi

This product is currently not available via Slickdeals. All information about this product was collected by Slickdeals and has not been reviewed by the issuer.

• Our Rating 3/5 How our ratings work
• APR 21.24% - 29.24% (Variable)
• Annual Fee $0

Earn a $100 Statement Credit after spending $1,000 in qualifying activities in the first 3 months of account opening

The AT&T Points Plus® Card from Citi, one of our partners, is a solid no-annual-fee card for existing AT&T customers who want to earn decent rewards on gas and groceries. The card has few perks, with the best being the ability to earn a modest statement credit toward your AT&T wireless bill, although the monthly spending threshold is quite high.

Best for Existing AT&T Customers Who Want to Earn Rewards and Statement Credits

At first glance, the AT&T Points Plus® Card from Citi (from our partner Citi) looks promising, especially for existing AT&T customers who want to be rewarded for brand loyalty. However, despite the name, the card offers few AT&T-brand benefits for customers. That doesn’t necessarily mean the AT&T Points Plus card offers little value, but it does mean it’s only right for select customers. At its core, it’s a decent everyday spending card with no annual fee that offers valuable gas and grocery spending rewards and the potential for up to $240 in annual AT&T statement credits.

• No limit on points you can earn
• No annual fee
• Strong discounts for AT&T customers
• Solid rewards on gas and groceries
• Foreign transaction fee
• No additional bonus rewards for AT&T purchases
• Few card perks for non-AT&T customers
• High monthly threshold required to earn AT&T statement credit

Card Highlights

The AT&T Points Plus card offers some solid benefits for existing AT&T customers. Some of the card highlights include:

• 3X ThankYou Points at gas stations
• 2X ThankYou Points at grocery stores, including grocery delivery services
• 1X ThankYou Points on all other purchases
• $100 statement credit after $1,000 in purchases in the first 3 months of account opening
• Up to $240 in AT&T wireless bill statement credits annually 

Sign-Up Bonus

The AT&T Points Plus card offers a modest sign-up bonus for new cardholders:

• Earn a $100 statement credit after you spend $1,000 on purchases in the first 3 months of account opening.

The minimum required spend is relatively low compared to other cards, but still quite hefty considering there are other no-annual-fee cards with bigger sign-up bonuses and lower spending requirements.

Best Credit Card Bonuses

Annual Statement Credits

In addition to its sign-up bonus, cardholders can earn up to $240 in additional statement credits each year after meeting offer requirements: 

• Receive a $20 statement credit on your AT&T Points Plus card statement after you spend $1,000 or more on purchases in a billing cycle,
• Or receive a $10 statement credit after you spend $500–$999.99 in a billing cycle.

You must enroll your AT&T wireless account in paperless billing and AT&T AutoPay with your AT&T Points Plus card as the payment method to qualify for the statement credit offer.

Earning Rewards

The AT&T Points Plus card is a co-branded Citi card and earns points within the Citi ThankYou Rewards program. Here's how you earn rewards with the card:

• 1X ThankYou Point on all other purchases

While the card offers above-average rewards rates for gas and groceries, it doesn't offer bonus points for AT&T purchases. Paying your monthly AT&T bill and new device purchases only net 1 point per dollar spent. Considering it's a co-branded card, it's surprising that cardholders don't earn a better rate for their spending with the company.

Redeeming Rewards

The AT&T Points Plus card earns ThankYou Points. The program offers several redemption options to redeem your points, including: 

• Travel 
• Shop with points
• Statement credits
• Charitable donations
• Point transfers to travel partners JetBlue TrueBlue, Choice Privileges or Wyndham Rewards

Citi partners with other travel loyalty programs, including several popular airlines. Unfortunately, the ability to transfer points to additional travel partners requires carrying another qualifying Citi credit card that earns ThankYou Points. However, having multiple cards that earn ThankYou Points could be beneficial since you can pool your points under the same ThankYou account.

10 Ways to Redeem 70,000 Citi ThankYou Points for Travel

Card benefits and perks.

The AT&T Points Plus is light on card benefits, including brand perks with AT&T. The card only offers basic benefits that are standard in many rewards or cash-back credit cards . Here's what you can expect: 

• Fraud protection : As with many credit cards, holders of this card can enjoy $0 liability for unauthorized charges.
• Free FICO® Score monitoring: Monitor your FICO Score for free online or through the Citi mobile app anytime.
• Fraud Early Warning: Citi notifies you to validate any potentially fraudulent transactions.
• Quick Lock: You can quickly lock your card if lost or stolen, which blocks new charges while allowing recurring charges to continue without disruption.
• Citi Entertainment : With the AT&T Points Plus card, you receive special access to purchase tickets for exclusive events and experiences, concerts, sports, and other live entertainment.

While the AT&T Points Plus card offers some value to select AT&T customers, it's not a great fit for everyone. Consider these potential disadvantages if you're interested in getting this card:

• High spending threshold to earn statement credits: To earn the full $240 in statement credits annually, you must spend at least $12,000 on the card each year.
• Foreign transaction fees: The card charges a 3% foreign transaction fee, making it a poor choice when traveling outside of the U.S. You should use a travel credit card instead if you're going abroad.
• Lack of benefits: Outside of earning higher rewards in select categories and potential statement credits, the AT&T Points Plus card offers basic benefits that are pretty standard across most cards.
• Low earning rates with AT&T: Spending with AT&T only nets 1 point per dollar spent.

Why the Chase Freedom Unlimited Is Still the Best Daily Credit Card

The AT&T Points Plus card has no annual fee .

Card issuers sometimes charge a yearly fee, called an annual fee, for access to a credit card and its benefits and perks. If you're considering a credit card with an annual fee, always weigh the card's potential value against the added yearly cost to ensure it's worth paying.

The AT&T Points Plus card has a 21.24% - 29.24% (Variable) APR based on your creditworthiness. Interest rates for credit cards are typically stated as a yearly rate called the annual percentage rate or APR. APR is the yearly interest rate you would pay if you carried a balance on your card. 

The card does not come with a 0% introductory APR offer.

If you frequently travel outside of the U.S., consider another card for purchases. The AT&T Points Plus card carries a 3% foreign transaction fee and is charged on all international purchases. 

Like other cards, expect to pay fees for certain activities, including:

• Balance transfers
• Cash advances
• Late payments
• Returned payments

Best Credit Cards for Online Shopping (September 2024)

Recommended credit score.

Citi doesn't disclose specific credit requirements for its card offerings. Card issuers may factor other information into their decision when approving card applications, including income, payment history, existing debt and other financial markers. 

Having a good credit score improves your chances of approval for the AT&T Points Plus card and is a general requirement for many rewards credit cards. Within the FICO credit scoring model, this is a credit score range of 670 to 800.

Who Is the AT&T Points Plus® Card from Citi Good for?

The AT&T Points Plus card is a solid option for existing AT&T customers whose monthly budgets include considerable spending on fuel and groceries. Ideally, your monthly card spending should be at least $1,000 to take full advantage of the card's maximum statement credits. It's also a good option for AT&T customers who already have a Citi card that earns ThankYou Points in other spending categories. You'll maximize your rewards by pooling your points under the same ThankYou Rewards account.

If your monthly card spending is over $1,000, there are other rewards credit cards that can earn you better rewards rates overall and come with more valuable features and benefits.

Best Rewards Credit Cards

Kevin Payne

Kevin Payne is a personal finance, credit card, and travel writer. He is the family travel and budget expert behind FamilyMoneyAdventure.com. Kevin lives in Cleveland, Ohio, with his wife and four kids. His work has appeared on several websites, including FinanceBuzz, Credit Karma, Millennial Money, Club Thrifty, Student Loan Planner and Slickdeals.

Follow the Money

Get all the latest finance topics and tips delivered straight to your inbox weekly.

Reviews The Slickdeals team dives into the latest financial products Stories from real life people, featuring tricks we've learned along the way.

Citi Strata Premier Card Review: 70,000 Bonus Points Plus 3x Points on Everyday Spending Categories

Capital One Walmart Rewards Card Review: Earn Generous Rewards on Walmart Purchases

American Express Membership Rewards Points vs. Chase Ultimate Rewards Points: Which Is Better?

Best Buy Credit Card Review: Is It Worth It?

Citi Merchant Offers: How You Can Earn Statement Credits With the Right Card

Wells Fargo Autograph℠ Card Review: Big Benefits Without an Annual Fee

Target RedCard™ Credit Card Review: 5% Off at Target Plus 2-Day Shipping

Cash Back vs. Points—Which Credit Card Rewards Program Is More Valuable?

Chase Aeroplan Card Review: 70,000 Bonus Points & Big Travel Benefits

World of Hyatt Business Credit Card Review: A Top Hotel Card for Businesses

How i earned enough statement credits to offset a $550 annual fee in one month.

Home Depot Consumer Credit Card Review

Citi and AT&T Expand Credit Card Offerings with New AT&T Points Plus Card

No Annual Fee* Card Makes Every Day More Rewarding

New York – Today, Citi and AT&T announced the AT&T Points Plus Card from Citi, a new no annual fee* card that rewards wireless customers with statement credits and Citi ThankYou Points on purchases. Building on the long-standing relationship between the two companies, the new card delivers on a shared commitment to drive loyalty and customer engagement by providing an ideal option for AT&T wireless customers looking for rewards on everyday purchases.

Each year, cardmembers can earn up to $240 in statement credits toward their qualifying AT&T wireless bill after eligible spend,** which is in addition to existing discounts that customers may receive from AT&T directly. AT&T wireless customers can earn a $20 statement credit on their AT&T Points Plus Card statement after they spend $1,000 or more on purchases in a billing cycle or a $10 statement credit after they spend $500 - $999.99.

In addition, the new card also earns:

• 3 ThankYou Points for every $1 spent at gas stations
• 2 ThankYou Points for every $1 spent at grocery stores, including grocery delivery services
• 1 ThankYou Point for every $1 spent on all other purchases

ThankYou Points do not expire and can be redeemed for gift cards, charitable donations, travel, Shop with Points at participating merchants, and more.

"We're proud of the long-standing relationship we have with Citi in creating valuable programs," said Jeni Bell, senior vice president of wireless product marketing, AT&T. "As many of our customers are shopping for the holiday season, we're excited to bring them an opportunity to earn rewards and receive more value for each dollar they spend."

"AT&T customers have been looking for more ways to earn rewards on their everyday spending," said John LaCosta, Managing Director and Head of Co-Brand Relationships at Citi U.S. Branded Cards. "The AT&T Points Plus Card does just that. With ThankYou Points earned on every day expenses, including wireless bills, the new card is an ideal choice for AT&T loyalists."

New cardmembers can also earn a bonus $100 statement credit after spending $1,000 on purchases within the first three months of opening an AT&T Points Plus Card account.***

For more information about the new AT&T Points Plus Card, visit  https://www.att.com/attpointsplus .

*Pricing & Information: A variable APR of 19.74% – 27.74% 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 28.99%. 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 — 3% of each purchase transaction in US dollars. 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. Rates as of 11/14/2022. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.

**To qualify for the monthly statement credit, cardmembers must enroll their AT&T consumer postpaid wireless account in Paperless billing and AutoPay at AT&T with their AT&T Points Plus Card as the payment method.

***The acquisitions bonus is not available if cardmembers have previously received a new account bonus for an AT&T Points Plus Card from Citi account in the past 48 months.

Citi Citi is a preeminent banking partner for institutions with cross-border needs, a global leader in wealth management and a valued personal bank in its home market of the United States. Citi does business in more than 160 countries and jurisdictions, providing corporations, governments, investors, institutions and individuals with a broad range of financial products and services.

Additional information may be found at  www.citigroup.com  | Twitter:  @Citi  | YouTube:  www.youtube.com/citi  | Blog:  http://blog.citigroup.com  | Facebook:  www.facebook.com/citi  | LinkedIn:  www.linkedin.com/company/citi .

About AT&T We help more than 100 million U.S. families, friends and neighbors, plus nearly 2.5 million businesses, connect in meaningful ways every day. From the first phone call 140+ years ago to our 5G wireless and multi-gig internet offerings today, we @ATT innovate to improve lives. For more information about AT&T Inc. ( NYSE:T ), please visit us at  about.att.com . Investors can learn more at  investors.att.com .

Citi Elana Rueven Email:  [email protected]

AT&T Jessica Swain Phone: 415-613-4267 Email:  [email protected]

Sign up to receive the latest news from Citi.

• Global Presence
• Regulatory Disclosures
• Banking and International
• U.S. Personal Banking
• Sustainability
• Strengthening Community
• Diversity, Equity and Inclusion
• Press Releases
• Perspectives
• Media Resources
• Quarterly Earnings
• Events and Presentations
• Annual Reports and Proxy Statements
• SEC Filings
• Other Regulatory Filings
• Fixed Income Investor Relations
• Stockholder Services
• Corporate Governance
• ESG for Investors
• Investor Contacts
• Cookie Policy
• Cookie Preferences
• Notice at Collection
• CA Privacy Hub
• Accessibility
• Ethics Hotline

• Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
• Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
• Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
• Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
• Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
• Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
• Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
• Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Discover It® Cash Back Discover It® Student Chrome Discover It® Student Cash Back Chase Ink Business Unlimited American Express Blue Business Plus
• Credit Card by Issuer Best Chase Cards Best Discover Cards Best American Express Cards Best Visa Credit Cards Best Bank of America Credit Cards
• Credit Score Best Credit Monitoring Services Best Identity Theft Protection
• CDs Best CD Rates Best No Penalty CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 2 Year CD Rates Best 5 Year CD Rates
• Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
• Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
• Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
• Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
• Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
• Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
• Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
• Retirement Best Roth IRAs Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
• Business Formation Best LLC Services Best Registered Agent Services How To Start An LLC How To Start A Business
• Web Design & Hosting Best Website Builders Best E-commerce Platforms Best Domain Registrar
• HR & Payroll Best Payroll Software Best HR Software Best HRIS Systems Best Recruiting Software Best Applicant Tracking Systems
• Payment Processing Best Credit Card Processing Companies Best POS Systems Best Merchant Services Best Credit Card Readers How To Accept Credit Cards
• More Business Solutions Best VPNs Best VoIP Services Best Project Management Software Best CRM Software Best Accounting Software
• Debt relief Best debt management Best debt settlement Do you need a debt management plan? What is debt settlement? Debt consolidation vs. debt settlement Should you settle your debt or pay in full? How to negotiate a debt settlement on your own
• Debt collection Can a debt collector garnish my bank account or my wages? Can credit card companies garnish your wages? What is the Fair Debt Collection Practices Act?
• Bankruptcy How much does it cost to file for bankruptcy? What is Chapter 7 bankruptcy? What is Chapter 13 bankruptcy? Can medical bankruptcy help with medical bills?
• More payoff strategies Tips to get rid of your debt in a year Don't make these mistakes when climbing out of debt How credit counseling can help you get out of debt What is the debt avalanche method? What is the debt snowball method?
• Manage Topics
• Investigations
• Visual Explainers
• Newsletters
• Abortion news
• Climate Change
• Corrections Policy
• Sports Betting
• Coach Salaries
• College Basketball (M)
• College Basketball (W)
• College Football
• Concacaf Champions Cup
• For The Win
• High School Sports
• H.S. Sports Awards
• Scores + Odds
• Sports Pulse
• Sports Seriously
• Women's Sports
• Youth Sports
• Celebrities
• Entertainment This!
• Celebrity Deaths
• Policing the USA
• Women of the Century
• Problem Solved
• Personal Finance
• Consumer Recalls
• Video Games
• Product Reviews
• Home Internet
• Destinations
• Airline News
• Experience America
• Great American Vacation
• Ingrid Jacques
• Nicole Russell
• Meet the Opinion team
• How to Submit
• Obituaries Obituaries
• Contributor Content Contributor Content

Personal Loans

Best personal loans

Auto Insurance

Best car insurance

Best high-yield savings

CREDIT CARDS

Best credit cards

Advertiser Disclosure

Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Credit cards

AT&T Points Plus Card from Citi review 2024: It has hang ups in spite of the statement credit potential

Julie Sherrier

Harrison Pierce

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Robin Saks Frankel

Updated 11:19 a.m. UTC May 30, 2024

• path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
• path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

The AT&T Points Plus® Card from Citi * The information for the AT&T Points Plus® Card from Citi has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers AT&T wireless customers the ability to earn up to $240 a year in statement credits after meeting certain spending requirements—but they also have to request paperless billing and enroll in autopay for their AT&T wireless bill. Read on for a full review of the AT&T Points Plus Card from Citi.

AT&T Points Plus Card from Citi basics

• Annual fee: N/A.
• Welcome bonus: $100 statement credit after spending $1,000 on purchases in the first three months of account opening.
• Rewards: 3 ThankYou Points for every $1 spent at gas stations and EV charging stations, 2 ThankYou Points for every $1 spent at grocery stores, including grocery delivery services and 1 ThankYou Point for every $1 spent on all other purchases including AT&T products and services.
• APR: 21.24% to 29.24% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies.
• Recommended credit score: Good.
• Does the issuer offer a pre-approval tool? No.
• Other benefits: Zero liability coverage.

AT&T Points Plus Card from Citi review

The AT&T Points Plus Card from Citi aims to dial in to high-spending AT&T wireless customers by dangling both potential statement credits, and also a 3-2-1 Citi ThankYou® point reward program — 3 ThankYou Points for every $1 spent at gas stations and EV charging stations, 2 ThankYou Points for every $1 spent at grocery stores, including grocery delivery services and 1 ThankYou Point for every $1 spent on all other purchases including AT&T products and services. 

This no-annual-fee card boasts that you can earn up to $240 back in statement credits every year, but the spending requirements to actually get those credits are high. For example, to earn a $20 statement credit every month, you’d have to spend at least $1,000 on the card during that billing cycle. The statement credit drops to $10 a month if you only spend between $500 and $999.99 a month on the card.

To qualify for the credits, you’re required to both register for autopay for their AT&T wireless bill as well as sign up for paperless statements. If those options aren’t appealing to you, you’re out of luck when it comes to the statement credits.

Other than the possibility of those credits, the AT&T Points Plus Card lacks meaningful additional benefits, like an extended warranty or purchase protection, and it also charges a foreign transaction fee of 3% for purchases made abroad. Surprisingly for a credit card tailored to AT&T wireless customers it doesn’t even offer cellphone protection. That’s a fairly big disconnect from the target audience for this card.

• No annual fee: There’s no annual fee, which means you don’t have to pay anything out of pocket to hold this card. 
• Welcome bonus: Earn a $100 statement credit after spending $1,000 on purchases in the first three months of account opening.
• Ability to earn monthly statement credits: You can earn up to $20 back via statement credit toward your AT&T wireless bills every month by spending at least $1,000 on your card and enrolling in paperless billing and autopay. 
• High spend requirement to earn statement credits: You have to spend $1,000 per month to qualify for just $20 back as a statement credit. There are plenty of cash-back cards that have higher earning potential. 
• Negligible benefits: There aren’t any perks to the card, other than standard credit card benefits like $0 fraud liability. 
• No intro APR offers: Some no-annual-fee cards will offer an intro APR period on purchases and balance transfers, but the AT&T Points Plus Card does not. 
• Foreign transaction fees: If you plan on using your card while abroad, you’ll incur a 3% foreign transaction fee on each purchase. 

AT&T Points Plus Card from Citi rewards

The AT&T Points Plus Card from Citi has little appeal for non-AT&T wireless subscribers as there are other rewards cards that offer similar, if not better, elevated rewards for gas and grocery purchases.

That said, if you are an AT&T wireless subscriber who can easily meet the spending requirements to earn the statement credits, and who would like to rack up some Citi ThankYou points for your purchases, then this card could work for you.

To earn the maximum $20 statement credit every month, cardholders have to spend at least $1,000 on the card every billing cycle. If you spend between $500 and $999.99 on the card one month, then the statement credit drops to $10. And if you spend less than $500 a month on the card, you will not qualify for any statement credit. 

An additional requirement to earn the statement credits is that you have to sign up for paperless billing for your AT&T wireless bill as well as use the card set to autopay for your wireless service. Also note that the statement credits are exclusively for postpaid wireless plans. 

The AT&T Points Plus Card also offers a tiered ThankYou points rewards program of 3 ThankYou Points for every $1 spent at gas stations and EV charging stations, 2 ThankYou Points for every $1 spent at grocery stores, including grocery delivery services and 1 ThankYou Point for every $1 spent on all other purchases including AT&T products and services. Surprisingly, there’s no bonus category for AT&T purchases. 

ThankYou points can be redeemed for cash, travel, gift cards, charity donations and Citi Entertainment experiences generally at a rate of 1 cent per point. They can also be transferred to another Citi ThankYou card account. 

Not sure what to do with your ThankYou points? Here’s some of the best ways to use them .

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has around $29,525 in annual expenses that can be charged to a credit card. Here’s how our sample cardholder’s rewards could break down:

In addition to the 38,067 Citi ThankYou Points earned, if our sample cardholder is an AT&T wireless subscriber could qualify for the maximum $240 a year in statement credits by spending $29,525 a year or $2,460 a month on their card. The value of a Citi ThankYou Point will vary depending on how you choose to redeem it. 

Points used for statement credits and gift cards will typically get a value of 1 cent per point, while you could potentially get a higher valuation by combining your points with another Citi card so you can transfer them to a Citi travel loyalty partner. However, using the standard 1 cent per point valuation, 38,067 ThankYou Points are worth $380.67. When you combine the statement credits, you could earn a total of $620.67 per year. 

AT&T Points Plus Card from Citi drawbacks

In terms of perks, the AT&T Points Plus Card from Citi only offers $0 fraud liability and access to Citi Entertainment deals. It doesn’t come with a lot of the standard benefits offered on other rewards cards, such as extended warranty or purchase protection. Neither does it offer cellphone insurance protection. 

How the AT&T Points Plus Card from Citi compares to other rewards cards

At&t points plus card vs. citi custom cash® card * the information for the citi custom cash® card has been collected independently by blueprint. the card details on this page have not been reviewed or provided by the card issuer..

The no-annual-fee Citi Custom Cash card also earns ThankYou points, at a rate of 5% cash back on purchases in a top eligible spend category each billing cycle, up to the first $500 spent each month and 1% cash back on all other purchases. Plus, an additional 4% cash back on hotels, car rentals, and attractions booked on the Citi Travel℠ portal through 6/30/25. Those categories include restaurants, gas stations, grocery stories, select travel, transit and streaming services, drugstores, home improvement stores, fitness clubs and live entertainment. The large breadth of rewards means this card is likely to earn more rewards overall for both AT&T and non AT&T customers alike.

The Citi Custom Cash also offers a helpful 0% intro APR for the first 15 months on purchases and from the date of the first transfer for balance transfers within the first four months. After that, the variable APR will be 19.24% to 29.24%. There is a balance transfer fee of 5% of each balance transfer with a $5 minimum. The AT&T Points Plus card doesn’t have a similar low interest offer. It’s hard to make a case for choosing the Points Plus card over the Custom Cash.

AT&T Points Plus Card vs. Blue Cash Everyday® Card from American Express

If earning an elevated cash-back rewards rate on everyday spending is a priority for you, look to the Blue Cash Everyday Card (terms apply, rates & fees ) which charges no annual fee and earns 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. (on up to $6,000 in each category per year, then 1%), and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or for eligible items at Amazon.com checkout. 

The Blue Cash Everyday Card also comes with a 0% intro APR for 15 months on purchases and on balance transfers requested in the first 60 days, then a variable APR of 18.74% to 29.74%. A balance transfer fee of $5 or 3%, whichever is greater, applies. In addition, you can take advantage of monthly statement credits, including $7 back after spending $9.99 or more each month on an eligible Disney Bundle subscription and up to $15 back when you purchase a Home Chef subscription. Both are subject to auto-renewal and enrollment is required. 

Overall, the Blue Cash Everyday Card offers better rewards and a helpful intro APR offer. Those two attributes are likely to provide more value than the potential statement credits on the AT&T Points Plus Card.

AT&T Points Plus Card vs. Wells Fargo Autograph℠ Card * The information for the Wells Fargo Autograph℠ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

If you’re looking to maximize your rewards across as many spending categories as possible without forking over an annual fee, the Wells Fargo Autograph Card checks all the boxes. The card earns 3 points per $1 at restaurants, travel, gas stations, transit, popular streaming services and phone plans and 1 point per $1 on other purchases

There’s also a 0% intro APR on purchases for 12 months from account opening, then a variable APR of 20.24%, 25.24%, or 29.99% applies thereafter for purchases and balance transfers. The card has a balance transfer fee of up to 5% with a $5 minimum. But what sets the Wells Fargo Autograph Card apart from the others on this list are its generous benefits, including cellphone protection, auto rental collision damage waiver, travel and emergency assistance, roadside dispatch, zero liability protection and 24/7 concierge service. The Autograph Card isn’t tied to a specific carrier, but offers more protections and earning potential for your phone than the AT&T Points Plus Card. 

The AT&T Points Plus Card from Citi is right for you if:

• You are an AT&T wireless subscriber who is confident you will make at least $1,000 in purchases on the card every month to take advantage of the $20 statement credit towards your bill. 
• You have another Citi card to combine your ThankYou Points with to maximize earnings.

Frequently asked questions (FAQs)

The AT&T Points Plus Card is typically available to consumers with a good credit score which FICO generally defines as 670 or higher*.

Citi does not report a maximum credit limit for the AT&T Points Plus Card. When you apply for the card, Citi will consider several factors when determining your credit limit, including your credit history, credit score and credit utilization .

Technically, yes, since your AT&T wireless statement will be billed to the card, but you will only get the discount if you meet the spending requirements to get the credit. AT&T Points Plus Card from Citi cardholders can receive up to $240 a year in statement credits if they spend $1,000 or more on the purchases each billing cycle or a $10 statement credit after spending $500 to $999.99 on the card every month. However, cardholders must enroll in autopay and paperless billing with the card for their AT&T wireless bill to receive those credits. 

Yes, the AT&T Points Plus Card offers 3 ThankYou Points for every $1 spent at gas stations and EV charging stations, 2 ThankYou Points for every $1 spent at grocery stores, including grocery delivery services and 1 ThankYou Point for every $1 spent on all other purchases including AT&T products and services.

For rates and fees for the Blue Cash Everyday® Card from American Express please visit this page .

*Blueprint credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. If you apply for a credit card, the lender may use a different credit score when considering your application for credit.

*The information for the AT&T Points Plus® Card from Citi, Citi Custom Cash® Card and Wells Fargo Autograph℠ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Julie Stephen Sherrier is a personal finance writer and editor based in Austin, TX. She is the former senior managing editor for LendingTree, responsible for all credit card and credit health content. Before joining LendingTree, Julie spent more than a decade as the managing editor and then editorial director at Bankrate and CreditCards.com. She also served as an adjunct journalism instructor at the University of Texas at Austin.

Harrison Pierce is a freelance writer and digital nomad that is passionate about all things personal finance and travel. While traveling full-time, he refined his love for writing and now enjoys working with various brands to tell stories and create meaningful content.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

Capital One SavorOne Card review: No-annual-fee card for foodies 

Reviews Emily Sherman

One Key Card review 2024: Book travel, and earn rewards with no annual fee

Reviews Jason Steele

One Key+ Card review 2024: Earn rewards towards free travel with Expedia, Hotels.com and Vrbo

Capital One SavorOne Rewards for Students Credit Card review 2024: Excellent cash-back rewards for new-to-credit students

Reviews Kelli Pate

Bank of America Business Advantage Travel Rewards World Mastercard credit card review 2024

Reviews Julie Sherrier

PNC Cash Unlimited Visa Signature Credit Card review 2024: Get 2% cash back with no annual fee

Reviews Eric Rosenberg

OpenSky Secured Card review 2024: No credit check required, but there is a cost

Reviews Ben Luthi

Wells Fargo Attune Card review 2024: Bonus cash-back categories galore

Reviews Michael Dempster

The Platinum Card from American Express review 2024: Flashy perks, but requires expert mode to maximize

Reviews Ariana Arghandewal

Bank of America Travel Rewards credit card review: A travel credit card for the fee-averse

U.S. Bank Business Altitude Power World Elite Mastercard review 2024: Unlimited earnings and simple bonus structure

Reviews Juan Ruiz

FutureCard Visa® Debit Card review 2024: A rewarding card for climate-conscious spenders

Avianca LifeMiles American Express Credit Card review 2024

Reviews Harrison Pierce

Citi Strata Premier Card review 2024: Takes the Premier Card to the next level

Reviews Carissa Rawson

Avianca LifeMiles American Express Elite Card review 2024: Built for points-and-miles fanatics

• Is the Citi AT&T Points Plus credit card the best card for you? 
• How to earn points
• How to use points
• Benefits and features

Fees and costs

• AT&T Points Plus vs other no-annual-fee rewards credit cards
• Frequently asked questions (FAQ)

Citi AT&T Points Plus Card review: Earn a $100 welcome bonus and up to $240 in annual statement credits for no annual fee

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: AT&T Points Plus® Card, Citi Custom Cash℠ Card, Citi Strata Premier℠ Card, Citi Rewards+® Card, Citi® Double Cash Card, Citi Prestige® Card. The details for these products have not been reviewed or provided by the issuer.

Citi's newest credit card, the AT&T Points Plus® Card , is a decent option for folks who spend a lot on gas and grocery store purchases. But there are plenty of better, higher-earning rewards cards on the market worth considering first. 

Earn 3X ThankYou Points for every $1 spent at gas stations. Earn 2X ThankYou Points for every $1 spent at grocery stores (including grocery delivery services). Earn 1X ThankYou Point for every $1 spent on all other purchases.

21.24% - 29.24% Variable

Earn a $100 statement credit

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $240 in statement credits per year toward AT&T charges
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Decent rewards rate on gas and groceries
• con icon Two crossed lines that form an 'X'. Foreign transaction fees
• con icon Two crossed lines that form an 'X'. Statement credits require paying your AT&T bill with the card and meeting a high monthly spending threshold
• con icon Two crossed lines that form an 'X'. Few extra benefits

Citi AT&T Points Plus credit card overview

Citi recently launched the brand-new AT&T Points Plus Card with a $0 annual fee, and it easily falls behind its flashier and more lucrative card competitors, including other Citi rewards credit cards. Despite its decent reward rates on everyday spending categories and modest welcome bonus, the AT&T Points Plus Card doesn't have much more to offer (unless you're an AT&T wireless customer). 

Cardholders can earn $100 statement credit after you spend $1,000 on purchases in the first three months of account opening, which is better than no bonus but certainly not the highest offer around. Other no-annual-fee cards (such as the Citi Custom Cash℠ Card or the Wells Fargo Autograph℠ Card ) offer more substantial welcome bonuses.  

The Citi Custom Cash Card, for example, earns new cardholders $200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening. And the Wells Fargo Autograph℠ Card offers 20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening.

The AT&T Points Plus Card is best fit for folks who spend a lot on gas, as the card earns 3x ThankYou points on gas station purchases. It also earns 2x ThankYou points at grocery stores (including delivery), and 1x on everything else. 

Otherwise, what makes the AT&T Points Plus Card unique is that it allows cardholders to earn up to $240 in annual statement credits after spending at least $500 in purchases each billing cycle (for a $10 monthly credit), or $1,000 in purchases (for a $20 monthly credit) — as long as they have the card set as their autopayment method on their AT&T wireless bill. That's a decent offer for AT&T customers who already spend that much on gas and groceries. 

But keep in mind that in order to earn the maximum number of credits each year ($240), you'd need to spend $12,000 annually. That's a big chunk of change! And if you're already spending that much money on gas and grocery purchases each year, you should consider a different rewards card with higher rewards rates in those spending categories. That way you'll get more bang for your buck. 

The AT&T Points Plus Card could potentially be more appealing to folks who own other Citi ThankYou point earning cards (such as the Citi Strata Premier℠ Card , Citi Rewards+® Card , or the Citi® Double Cash Card ) as you can pool all your points into one ThankYou account. 

Another Citi card worth looking into is the Citi Custom Cash Card which earns 5x points in a category of your choosing (including gas station or restaurant purchases) up to $500 each billing cycle. This is particularly a great card for folks whose expenses often fluctuate in different spending categories. 

Another no-annual-fee card to consider if gas isn't one of your highest spending categories is the Chase Freedom Unlimited® as it earns 5x on travel (purchased through Chase Travel℠), 3x on dining and drugstore purchases, and 1.5x on everything else. 

How to earn points with AT&T Points Plus credit card

The AT&T Points Plus Card offers decent reward rates in everyday spending categories, including:

• 3x points at gas stations
• 2x points at grocery stores (including grocery delivery services)
• 1x point on everything else, including AT&T purchases

How to use points with AT&T Points Plus Card

The AT&T Points Plus Card earns Citi ThankYou points, but the actual value of your points will depend on how you redeem them. You'll get 1 cent per point when you redeem for cash, statement credits, checks, and gift cards. Or, you can also redeem for travel through Citi's ThankYou portal at a fixed rate of 1 cent per point.

You won't get access to Citi's full range of travel partners (which often gets you higher value) unless you have either the Citi Strata Premier℠ Card or the Citi Prestige® Card (no longer available to new applicants). But the AT&T Points Plus Card does allow its cardholders to transfer to a few select partners (JetBlue, Choice, and Wyndham) at a slightly poorer transfer ratio. 

Otherwise, if you want to redeem your ThankYou points at their highest value, you'll have to transfer your points from your AT&T Points Plus Card to either the Premier or Prestige Card first, in order to access all 14 airline and two hotel partners.  

AT&T Points Plus benefits and features

Earn up to $240 in annual statement credits.

You can earn a $20 statement credit each month after spending $1,000 or more in a billing cycle when you use your AT&T Points Plus Card as your autopayment method on your AT&T wireless bill (or a $10 statement credit after spending at least $500 on purchases in a billing cycle). This way, you can earn a max of $240 in statement credit per year, but you'd have to spend at least $12,000. 

$0 liability on unauthorized charges

If your card is lost or stolen, you won't be held responsible for any unauthorized purchases or transactions made with that card. But it's crucial that you report your lost or stolen card, or else you might not be eligible to receive this benefit.

To help prevent unauthorized charges on your Citi card, you can easily and instantly lock it in the event your card is lost, stolen, or temporarily misplaced. 

The AT&T Points Plus Card doesn't charge an annual fee. However, it does have a cash advance fee, a late payment fee, a returned payment fee, and a balance transfer fee. It also charges a foreign transaction fee , so it's not a good card for international purchases. 

It does not offer cardholders an introductory 0% APR on purchases or balance transfers. 

Compare the AT&T Points Plus card

Citi at&t points plus card frequently asked questions (faq).

The AT&T Points Plus Card may be worth it for folks who spend a lot on gas station purchases and that already own other Citi ThankYou point-earning cards (such as the Citi Prestige® Credit Card or Citi Strata Premier℠). Plus, it doesn't charge an annual fee so it doesn't cost you anything to own it. 

However, the AT&T Points Plus Card doesn't earn bonus rewards on AT&T purchases, and the reward rates on bonus categories are okay but similar cards offer better rates, larger bonuses, and more benefits. Earning $10 or $20 in additional statement credits every month is nice but you have to be an AT&T wireless customer, and you'd have to spend at least $12,000 in a year to earn the total $240 statement credits. 

All that is to say, you'll likely be better off with a different cash-back credit card.

Most folks approved for the AT&T Points Plus Card have at least a good credit score (a FICO score of at least 670). 

If you're not there quite yet, you can check out Insider's guides to the  best credit cards for bad credit . 

No, the AT&T Points Plus Card unfortunately does not come with cell phone insurance. So if you already own a different credit card with cell phone coverage, it may not be in your best interest to use the AT&T Points Plus Card as your autopay method for your wireless payments as you'd then have to pay for cell phone insurance separately. Which, unfortunately, prevents you from earning additional statement credits on your wireless bill. 

If you don't own a credit card that offers cell phone insurance, and you already pay for it separately, there's no harm in enrolling the AT&T Points Plus Card for autopay. 

• Credit cards
• Investing apps
• Retirement savings
• Cryptocurrency
• The stock market
• Retail investing

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

• Main content

Universal's new credit cards reward you with free theme park tickets and more

Whether you are headed to Universal Orlando Resort in Central Florida or Universal Studios Hollywood in Southern California, a few things are certain. One, you will be transported to exciting lands based on some of your favorite movies, TV shows and video games. Two, you will create lifelong memories. Three, the costs for theme park tickets, a hotel stay, restaurants and souvenirs will add up quickly.

This is why we are big proponents of using the best credit card for your Universal vacation here at TPG — one that lets you earn (and burn) valuable rewards, thereby making your travel budget a bit more manageable.

Now, Universal launched its own duo of credit cards that will make earning rewards from your theme park vacations even easier. As part of a partnership with First National Bank of Omaha and Visa, the Universal Rewards Plus Visa Signature® Card and Universal Rewards Visa Signature® Card will provide Universal theme park guests with an all-new way to rack up theme park perks, including financing on Universal vacations, rewards on qualifying purchases and free theme park tickets.

The information for the Universal Rewards Plus and Universal Rewards cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: How to use points to save money at Universal Orlando

"By forming this partnership with Visa, we can offer unique theme park benefits to cardholders and further enhance our guest experience," said Alice Norsworthy, president of global marketing for Universal Destinations & Experiences. "Even more exciting is the launch of the Universal Rewards Plus Visa Signature® Card with FNBO. This will put the thrills of Universal in the hands of our fans and provide a new way to earn rewards and get exclusive benefits."

The cards have individual benefits, but both come with access to perks like 10% off select merchandise and food and beverage purchases at Universal theme parks. You can apply for both cards now, but here is a bit more information about each to help you decide if these cards make sense for you.

Universal Rewards Plus Visa Signature® Card

The Universal Rewards Plus Visa Signature® Card has a $99 annual fee, which you can effectively wipe out in the first year since you can earn a $100 statement credit when you spend $100 within the first billing cycle after you open an account.

You can further justify the annual fee with the one single-day theme park admission ticket to Universal's Islands of Adventure and Universal Studios Florida or Universal Studios Hollywood that you'll earn on your annual card anniversary when you spend $6,000 or more in a year. Soon, Universal parks on both coasts will also open a Visa lounge that cardholders will have access to when they visit the parks.

You can also offset the sticker shock of a theme park vacation with 0% annual percentage rate financing when you spend $1,000 or more on a qualifying Universal vacation purchase.

This card earns 4% rewards on qualifying Universal purchases; 2% on travel, gas and dining purchases; and 1% on all other purchases. You can redeem rewards via a Universal FUNds Visa® Prepaid Card, which you can use for Universal theme park purchases, and flights and hotel stays booked directly through the airline or hotel.

The information for the Universal FUNds Visa® Prepaid Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Click here to learn more and apply .

Universal Rewards Visa Signature® Card

The no-annual-fee Universal Rewards Plus Visa Signature® Card has fewer benefits than its sister card but still earns 2% in rewards on qualifying Universal purchases and 1% on all other purchases, also paid out via a Universal FUNds Visa® Prepaid Card that you can use to offset the cost of your vacation.

Related reading:

• How to check your credit score for free
• What is APR on a credit card?
• How to apply for a credit card
• 7 things to understand about credit before applying for a new card
• Here are the best credit card welcome offers

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

5 Things to Know About the Universal Rewards Credit Card

Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

The Universal Rewards credit card, issued by the First National Bank of Omaha (FNBO) , earns rewards you can use during your next adventure to Universal Studios theme parks and attractions like The Wizarding World of Harry Potter.

Unfortunately, the card’s not all magic.

Sure, cardholders can earn a sign-up bonus and receive exclusive perks and discounts at Universal parks. But the rewards are inflexible, and the redemption process is clunkier than a poorly oiled Transformer. Most Minions would do better with a general rewards credit card .

Here are five things to know about the Universal Rewards card.

» MORE: Best credit cards for entertainment spending

1. There are 2 versions of the card, both with mediocre rewards

The Universal Rewards Credit Card comes in two varieties:

The Universal Rewards Plus Visa Signature Card has a $99 annual fee and earns 4% back in rewards on qualifying Universal purchases; 2% back in rewards on travel, gas and dining purchases; and 1% back in rewards on everything else.

The Universal Rewards Visa Signature Card has a $0 annual fee and earns 2% back in rewards on qualifying Universal purchases and 1% back in rewards on everything else.

While earning elevated rewards on Universal purchases may be nice for superfans, overall those are underwhelming reward rates — especially for the $99-annual-fee version, as you can find any number of no-annual-fee credit cards that earn 2% back on all purchases , not just in a few categories. It's also worth keeping in mind that with either Universal card, you're earning reward points, not cash back. Those points are worth a solid 1 cent each (100 points = $1 in rewards), but your redemption options will be severely limited. More on that later.

For many people, the Capital One SavorOne Cash Rewards Credit Card would be a better choice. For an annual fee of $0 , you'll earn an unlimited 3% cash back on dining, eligible streaming services, grocery stores and entertainment; and 1% cash back on all other purchases. New cardholders can also grab a big sign-up bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening. And since it's true cash back you're earning, you can spend it on anything you like.

Speaking of which ...

2. Redemption will have you exhausted before you hit the park

Redeeming your Universal credit card rewards is a horror straight out of "Stranger Things." Consider the work it requires:

Do some math, ugh

For starters, there’s a $25 minimum redemption amount , and reward points have to be redeemed in $25 increments — so you're very likely to find yourself stuck with "orphan points" that you can't do anything with because they don't meet those thresholds.

And it gets worse from there.

Request a physical prepaid card, double ugh

To redeem your reward points, you’ll have to request a physical Universal FUNds Visa Prepaid Card, either through the FNBO website or by calling the 800 number on the back of your credit card. That's a highly unusual and inconvenient step — but wait, there's more.

The prepaid card you'll get isn't reloadable, so you’ll need to request a new card for each redemption.

Wait for the mail to arrive, sigh

Prepaid cards can be used at select Universal locations and for flights and hotel stays booked directly with airlines and hotels — but you'll want to hold off on heading immediately for the Universal Studios front gate. That's because it can take up to 10 days to receive a prepaid card in the mail, according to FNBO.

Juggle expiration dates and terms, OMG are we there yet?

Any unredeemed rewards will expire on or after the third anniversary from the date on which they were awarded. Prepaid cards themselves are valid for up to 24 months, and while the funds on your card never expire, a fee may apply to access those funds after 24 months. Oh, and the prepaid card can only be used to purchase park tickets online if your balance on it covers the full cost of the tickets. The only way to split a payment using the prepaid card is through purchasing tickets in-person at the park, using the prepaid card at select retailers within the park or by purchasing a vacation package online through Universal Parks and Resorts.

Those kinds of hurdles are enough to suck the fun out of any theme park, and it's more than anyone should have to deal with in a rewards card.

A less limiting option would be the Chase Freedom Unlimited® . You’ll earn 5% cash back on travel purchased through Chase, 3% back at restaurants and drugstores and 1.5% back on everything else. You'll have multiple redemption options, rewards never expire and there’s no minimum redemption amount. New cardholders also qualify for the following introductory offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

» MORE: How to purchase theme park tickets with points

3. You'll get some park perks

With the $99-annual-fee card, every year you spend $6,000 on it you’ll receive a park pass to Universal Islands of Adventure, Universal Studios Florida or Universal Studios Hollywood. That benefit could be worthwhile if you're committed to using the card frequently enough to earn it, especially since you'll avoid the arduous redemption process above.

Both versions of the Universal credit card also get you 10% off merchandise, food and beverage purchases at select locations throughout Universal theme parks and Universal CityWalk in Orlando and Hollywood.

Both versions also allow Universal die-hards to show off their fandom each time they swipe their card. Cardholders can choose from one of three card designs: a Minion from "Despicable Me," a dinosaur from "Jurassic Park" or a standard Universal logo.

The $99-annual-fee version of the Universal credit card also advertises that in-park lounge access is "coming soon." That benefit would allow holders of the more expensive card to access the Visa lounge at Universal Studios Hollywood and Universal Studios Florida.

4. There's a modest sign-up bonus ...

Both versions of the Universal credit card let new customers qualify for an introductory bonus. As of this writing, the $99-annual-fee version earns a $100 statement credit after spending $100 within the first billing cycle, while the $0-annual-fee version earns a $50 statement credit after spending $100 in the first billing cycle.

While those are relatively easy spending thresholds to hit, you can do better than those bonuses.

The instance, the $0 -annual-fee Wells Fargo Autograph℠ Card lets new cardholders grab the following introductory bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. You’ll also earn 3 points per $1 spent on restaurants, travel, gas stations, transit, streaming services and phone plans, plus 1 point per $1 spent on everything else.

And if you're willing to pay an annual fee similar to what the Universal Rewards Plus Visa Signature Card charges? In that case, you can find sign-up bonuses worth hundreds of dollars more.

» MORE: How to get cheap and discounted Universal Studios tickets

5. ... And a poor 0% APR offer

Both the no-annual-fee and the $99-annual-fee varieties of the Universal Rewards Credit Card let you finance your vacation with a 0% APR offer for six months on eligible purchases over $1,000 made directly with Universal. Eligible purchases include annual passes, park tickets, vacation packages and more.

But there are better options if you’re trying to finance a Universal vacation. The Wells Fargo Active Cash® Card lets new cardholders qualify for a 0% intro APR on Purchases for 12 months and 0% intro APR on Balance Transfers 12 months from account opening on qualifying balance transfers, and then the ongoing APR of 20.24%, 25.24%, or 29.99% Variable APR . There’s no minimum transaction amount to qualify for special financing, nor is the offer limited to purchases only with Universal. You’ll also earn an unlimited 2% cash back each time you use the card.

» MORE: Best 0% APR credit cards

On a similar note...

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

AT&T Access Card from Citi review

Written by: Kelli Pate

In a Nutshell:

The AT&T Access Card from Citi is an easy way for current AT&T customers to earn points on their monthly phone, cable and internet payments. For others, it won’t be nearly as useful.

Other Notable Features:  Presale and VIP events, price protection, extended warranty, damage and theft purchase protection, $0 liability on unauthorized charges, Citi concierge, flexible payment date, Apple Pay

A retail credit card that rewards double points on AT&T purchases and services, the AT&T Access Card from Citi is a no-brainer for current AT&T customers. Big online spenders will also appreciate the card’s 2:1 earnings on purchases from retail and travel websites.

When combined with no annual fee and a decent sign-up bonus, the card offers savvy cardholders the opportunity to squeeze some extra value out of their rewards by making smart redemption choices.

So-so rewards

The AT&T Access Card from Citi offers an average earnings scheme of two ThankYou points per dollar spent on retail and travel websites, as well as on products and services purchased directly from AT&T. This includes everything from department stores and warehouse store websites, to online travel agencies and hotel or airline websites.

You’ll also earn one ThankYou point per dollar spent everywhere else, including gas stations, grocery stores and restaurants. Note, if you anticipate earning most of your rewards through those types of everyday purchases, you can get a better rewards rate with the Blue Cash Everyday® Card from American Express .

Decent APR … for some

Like most retail credit cards, the AT&T Access Card’s APR can range on the high side, meaning less disciplined cardholders could find themselves in trouble when carrying a balance from month to month. That said, the card’s variable interest rate starts at a modest 13.99% for cardholders with excellent credit. If your credit history has a few blemishes, you could be sacked with an APR as high as 22.99%, making it even more important to pay your bill in full when it comes due. Otherwise, you run the risk of negating your rewards and benefits.

Fair sign-up offer

After spending $1,000 in the first three months, new AT&T Access cardholders collect 10,000 ThankYou points, giving them a good head start on a free flight or discounted hotel stay.

For best value, redeem points for gift cards or travel

Citi ThankYou points can be redeemed in various ways, and each point’s actual value depends on how you use it. While you can use points to buy electronics and other merchandise, trade them in for cash or even shop at partners such as Amazon, Expedia and Live Nation, you’ll get more bang for your ThankYou buck when redeeming points for gift cards or travel purchases.

Doing so allows you to eke out a full 1 cent per point compared to other options — such as the 0.5 cents/point conversion rate you’d get when using your rewards for cash back or statement credits, for example.

On occasion, Citi cardmembers get access to promotional offers that double the value of earned rewards when transferring them to participating loyalty programs. Case in point: From now through Sept. 20, Citi is offering two bonus points for each ThankYou point transferred to the Hilton Honors rewards program.

Impressive Citi benefits

In addition to the ThankYou Rewards program, cardholders receive special fringe benefits offered by Citi itself. Such benefits include Citi Private Pass, a program that offers special ticket-purchase access to thousands of concerts, sporting events, dining experiences and more every year.

Other Citi-specific benefits include extended warranty, damage and theft purchase protection, $0 liability on unauthorized charges, EMV chip technology and Citi concierge.

Why get the AT&T Access Card?

• You have a phone, cable and/or internet plan through AT&T and want to earn rewards just by paying your monthly bill.
• You can easily spend $1,000 in the first three months to qualify for the 10,000 ThankYou points bonus.
• You frequently book flights and hotel stays online.
• You prefer shopping online versus visiting brick-and-mortar retailers.
• You like a variety of options when it comes to redeeming rewards.

How to use AT&T Access Card:

• Spend at least $1,000 in the first three months to earn 10,000 ThankYou points.
• Redeem rewards for gift cards or travel to get the highest possible conversion rate on points.
• Open an eligible checking account at your local Citibank branch and enroll it in ThankYou Rewards to earn additional monthly points.
• Leave the card at home when traveling overseas to avoid paying a 3% foreign transaction fee.

Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy

All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. It is not our partner’s responsibility to ensure all posts or questions are answered.

CreditCards.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. CreditCards.com does not include the entire universe of available financial or credit offers. CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

Know your odds before you apply

• Enter your information
• We’ll run a soft credit pull, which won’t impact your credit score
• You’ll see your estimated approval odds near cards to help you narrow down your options

Your personal information and data are protected with 256-bit encryption.

Tell us your name to get started

We’ll use this information to to verify your credit profile.

What’s your mailing address?

What's your employment status?

Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. You do not need to include alimony, child support, or separate maintenance income unless you want to have it considered as a basis for repaying a loan. Increase non-taxable income or benefits included by 25%.

Put $0 if you currently don't have a rent or mortgage payment.

Last four digits of your Social Security number

We’ll use the last four digits of your Social Security number to get your approval odds. This won’t impact your credit score.

What’s your email address?

Your email address unlocks your approval odds. Don’t worry, we won’t spam your inbox.

By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms ) and Privacy Policy . These terms allow CreditCards.com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you. I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer.

Calculating your approval odds

Oops something went wrong..

We’re sorry, but something went wrong and we couldn’t find your approval odds. Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site.

Citi At & t Universal Platinum Card