The AT&T Points Plus Card edges out the Citi Double Cash for most cardholders — it wins on 2 of 4 comparison categories and offers $3 signup bonus. The Citi Double Cash is the better choice if you prioritize a different rewards ecosystem.
AT&T Points Plus Card vs Citi Double Cash
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- gas and EV charging stations 3x
- AT&T purchases 2x
- grocery stores, including grocery delivery services 2x
- Citi Travel 5x
- All Other Purchases 2x
- Monthly Statement Credit $20
- AAdvantage
- AAdvantage
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- Accor Live Limitless
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- AAdvantage
- AAdvantage
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- Accor Live Limitless
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Quick summary
A short version of the comparison with the main differences at a glance.
The AT&T Points Plus Card edges out the Citi Double Cash for most cardholders — it wins on 2 of 4 comparison categories and offers $3 signup bonus. The Citi Double Cash is the better choice if you prioritize a different rewards ecosystem. On raw upside, AT&T Points Plus Card tops out at 3x versus 5x for Citi Double Cash. Current signup bonus values are roughly $3 for AT&T Points Plus Card and $2 for Citi Double Cash. Updated May 30, 2026. Source: https://cardcurator.ai/compare/at-t-points-plus-card-vs-citi-double-cash
- AT&T Points Plus Card wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: AT&T Points Plus Card reaches 3x; Citi Double Cash reaches 5x.
- Annual fee: AT&T Points Plus Card is no annual fee; Citi Double Cash is no annual fee.
- Current public bonus values are approximately $3 and $2.
Common Questions: AT&T Points Plus Card vs Citi Double Cash
Is the AT&T Points Plus Card or Citi Double Cash better for dining?
Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.
Which has the higher signup bonus in 2026?
AT&T Points Plus Card currently offers $3 signup bonus (spend $500 in 3 months). Citi Double Cash offers $2 signup bonus (spend $1,500 in 6 months). AT&T Points Plus Card has the larger bonus.
Which card is better for international travel?
AT&T Points Plus Card charges no foreign transaction fees — the better pick for international use. Citi Double Cash charges 3% on foreign purchases.
Can I hold both the AT&T Points Plus Card and the Citi Double Cash?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Citi, so check their specific application rules.