Is the AT&T Points Plus Card subject to Chase's 5/24 rule?

No, the AT&T Points Plus Card is issued by Citi, not Chase. Therefore, it is not subject to Chase's 5/24 rule. However, Citi has its own set of application rules regarding how frequently you can open new cards.

What credit score is needed for the AT&T Points Plus Card?

While a specific credit score floor is not provided, applicants generally need a good to excellent credit score (typically 670+) to be approved for Citi credit cards like the AT&T Points Plus Card.

Can I get the AT&T Points Plus Card bonus twice?

You can only receive the welcome bonus for the AT&T Points Plus Card if you have not received a bonus for this specific card within the last 48 months. If it has been more than 48 months since your last bonus on this card, you may be eligible again.

What is the annual fee for the AT&T Points Plus Card?

The AT&T Points Plus Card has a $0 annual fee.

Does the AT&T Points Plus Card have foreign transaction fees?

No, the AT&T Points Plus Card does not charge foreign transaction fees.

How long do I have to meet the minimum spend for the AT&T Points Plus Card bonus?

You have 3 months (90 days) from account opening to spend $500 to earn the $250 statement credit bonus.

What are the Citi application rules for the AT&T Points Plus Card?

Citi generally limits applications to approximately 1 card every 8 days and 2 cards every 65 days. Additionally, you are ineligible for the bonus if you've received a bonus for this card within the last 48 months, or if you've opened/closed a card in the same product family within 48 months (this rule varies by family).

AT&T Points Plus Card: $250 Bonus & Churning Guide

The AT&T Points Plus Card offers a straightforward welcome bonus of a $250 statement credit after spending just $500 in the first 3 months of account opening. This makes it an accessible target for maximizing signup bonuses, especially given its $0 annual fee. To be eligible, applicants typically need a good to excellent credit score, and it's crucial to note Citi's specific application rules, including a 48-month waiting period if you've previously received a bonus for this specific card. For churners, its low minimum spend and clear cash-back value make it a worthwhile addition, offering a quick return without long-term commitment. This card is particularly appealing for those looking for a simple, no-frills bonus without complex reward structures. This guide details everything you need to know to successfully apply and earn this bonus, as of June 2026.

Current welcome bonus & value

The AT&T Points Plus Card currently offers a welcome bonus of a $250 statement credit. This bonus is straightforward cash back, directly reducing your card balance.

Estimated Value: $250 USD

While the card's reward currency is ThankYou points, this specific welcome offer is provided as a statement credit, making its value clear and immediate.

Minimum spend to earn it

To earn the $250 statement credit, you must spend $500 on eligible purchases within the first 3 months (90 days) of account opening. This is a relatively low minimum spend requirement, making the bonus highly achievable for most applicants.

Who's eligible

Eligibility for the AT&T Points Plus Card bonus is subject to several factors, including your credit history and Citi's specific application rules.

Credit Score: While not explicitly stated, a good to excellent credit score is generally recommended for approval for most Citi credit cards.
Bonus Eligibility: You are not eligible for the welcome bonus if you have received a bonus for the AT&T Points Plus Card within the last 48 months.
Citi Application Rules: Citi has specific rules regarding how frequently you can apply for and be approved for their cards:
- You can generally apply for approximately 1 Citi card every 8 days.
- You can generally apply for approximately 2 Citi cards every 65 days.
- Citi 48-Month Family Rule: You may also be ineligible for a bonus if you have opened or closed a card in the same product family within the last 48 months. This rule can vary by card family.

Is it worth it?

The AT&T Points Plus Card can be a valuable addition to a churner's strategy, especially for its accessible welcome bonus.

Pros:

No Annual Fee: The card carries a $0 annual fee, making it a cost-free way to earn a bonus.
Easy Minimum Spend: A $500 spend requirement in 3 months is very achievable.
Clear Cash Value: The $250 statement credit provides immediate and tangible savings.
No Foreign Transaction Fees: This card does not charge foreign transaction fees, making it suitable for international use.

Cons:

Citi Application Rules: Citi's strict application rules (1/8, 2/65, 48-month bonus eligibility) can limit how frequently you can acquire new Citi cards.
No Specific Earn Multipliers Provided: The card's everyday earning structure is not provided, so its long-term value beyond the bonus is unclear.

How to apply

To apply for the AT&T Points Plus Card, visit the official Citi website or a trusted affiliate link. Ensure you review the current terms and conditions before submitting your application. Be prepared to provide personal information, including your income and housing details.

Alternatives

If you're looking for other Citi cards or exploring different bonus opportunities, consider these related options:

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
AAdvantage Platinum Select World Elite MasterCard
AAdvantage Globe Card
Citi® / AAdvantage® Globe™ Mastercard®
AAdvantage Executive
Citi® / AAdvantage® Executive World Elite Mastercard®

Offers change frequently and may not be available to all applicants. Information is provided for research; verify terms on the issuer's site before applying. Chuuurning may not be compensated by issuers.

AT&T Points Plus Card — $250 bonus