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CardCurator — Rewards Intelligence
Card Comparison

AT&T Points Plus Card vs Chase Freedom Unlimited

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

AT&T Points Plus Card card art
Citi ThankYou Points
AT&T Points Plus Card
Citi
More Info
Chase Freedom Unlimited card art
Chase Ultimate Rewards
Chase Freedom Unlimited
Chase
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
3%
None
Signup Bonus
20,000 points
Spend $1,000 in 3 months
30,000 points
Spend $500 in 3 months
Top Earn Rates
  • gas and EV charging stations 3x
  • grocery stores, including grocery delivery services 2x
  • All Other Purchases 1x
  • Chase Travel 5x
  • Dining 3x
  • Drugstores 3x
Reward Type
miles
miles
Key Credits
  • AT&T wireless bills $20
None
Transfer Partners
  • AAdvantage
  • AAdvantage
  • Aeromexico Club Premier
  • Aeromexico Club Premier
  • Accor Live Limitless
  • +35 more
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Flying Blue
  • +9 more
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Common Questions: AT&T Points Plus Card vs Chase Freedom Unlimited

Is the AT&T Points Plus Card or Chase Freedom Unlimited better for dining?

AT&T Points Plus Card has no dining bonus; Chase Freedom Unlimited earns 3x on dining.

Which has the higher signup bonus in 2026?

AT&T Points Plus Card currently offers 20,000 pts signup bonus (spend $1,000 in 3 months). Chase Freedom Unlimited offers 30,000 pts signup bonus (spend $500 in 3 months). Chase Freedom Unlimited has the larger bonus.

Which card is better for international travel?

Chase Freedom Unlimited charges no foreign transaction fees — the better pick for international use. AT&T Points Plus Card charges 3% on foreign purchases.

Can I hold both the AT&T Points Plus Card and the Chase Freedom Unlimited?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. AT&T Points Plus Card is from Citi and Chase Freedom Unlimited is from Chase, so they're governed by separate bank policies.