If the AT&T Points Plus Card from Citigroup caught your attention with its rewards and monthly credits, here’s what you need to know before applying. With simple requirements and a fast application process, this card is accessible to many—especially those looking to earn points on everyday spending.
Fees and Interest
Unlike many competitors, AT&T Points Plus does not offer a 0% introductory APR. Instead, it has a variable APR between 20.24% and 29.24%, depending on your credit profile.
Other fees to note:
- 3% foreign transaction fee
- 5% cash advance fee (minimum $10)
- Late payment fee of up to $41, depending on your outstanding balance
These fees make it important to use the card wisely and avoid carrying a balance when possible.
Who Can Apply?
Citigroup makes the AT&T Points Plus card relatively easy to apply for. To qualify, you’ll need:
- A credit score above 500
- To be at least 18 years old
- U.S. permanent residency with a valid SSN or ITIN
There are no strict income requirements, making it more accessible for users with a modest financial profile or those new to credit.
How to Apply
You can apply directly through the Citigroup website or mobile app. Just fill in your personal, financial, and credit information. The application typically takes only a few minutes, and decisions are often made instantly.
If you’re already a Citi customer, it’s worth checking for pre-approval to avoid a hard credit inquiry.
While the AT&T Points Plus isn’t travel-focused, it still delivers value through its purchase protections, monthly statement credits, and generous points program—especially for AT&T customers. It’s a practical choice for everyday users who want to earn rewards without dealing with high annual fees or complex approval processes.
All information in this and other BOISLA articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
REFERENCES:
https://www.citi.com/credit-cards
Read more about credit cards in https://boisla.com/category/credit-cards/
