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A closer look, side by side.

Fees, rewards, and benefits — with room to see the differences.

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AT&T Points Plus Card from Citi
Citi
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Annual fee$0
Foreign txn fee0%
RewardsCiti ThankYou Points
Credits (realistic / face)$72 / $240
Earning by category
Everything else 1% 1x Citi TYP
Groceries (supermarkets) 2% 2x Citi TYP
Online grocery / delivery 2% 2x Citi TYP
Whole Foods Market 2% 2x Citi TYP
Gas stations 3% 3x Citi TYP
EV charging 3% 3x Citi TYP
Protections
rental carnone
cell phone—
purchase protection—
extended warranty—
trip cancellation—
trip delay—
baggage delay—
return protection—
Benefits
No foreign transaction fees✓ No foreign transaction fees
No annual fee✓ No annual fee