Citi · Mastercard · personal · Citi ThankYou Points
Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$0
annual fee
0%
foreign txn fee
$72
credits/yr realistic ($240 face)
$100
sign-up bonus ≈ 10000 points after $1,000/3mo
Earning
| Gas stations | 3x | 3% |
| EV charging | 3x | 3% |
| Groceries (supermarkets)
Grocery stores
|
2x | 2% |
| AT&T (Phone, internet, cable)
AT&T products and services
|
2x | 2% |
| Everything else | 1x | 1% |
Right column: value per $ at travel valuation (1¢/pt — transfer value 1.7¢ needs a card that unlocks transfers). 1¢ cash. Full transfer partners need a Strata Premier / Strata Elite; the no-fee Strata transfers to a subset incl. American; Double Cash/Custom Cash alone transfer only to Choice, Wyndham, JetBlue.
Credits
- $20 AT&T statement credit /month · hard to use · enrollment required$20 statement credit each billing cycle after $1,000+ in purchases that cycle; requires an eligible AT&T wireless plan paid with the card
Benefits
- No foreign transaction fees
- No annual fee
Protections
| rental car | none |
Notes
WEB-VERIFIED 2026-09-08 against https://www.citi.com/credit-cards/citi-att-pointsplus-credit-card: $0, 3x gas/EV, 2x grocery and AT&T, 1x else, $20/cycle credit after $1,000 spend, no FTF (citi.com). Protections still from model knowledge.