The AT&T Points Plus Card edges out the Citi Thank You for most cardholders — it wins on 2 of 4 comparison categories and offers $3 signup bonus. The Citi Thank You is the better choice if you prioritize a different rewards ecosystem.
AT&T Points Plus Card vs Citi Thank You
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
- Gas Stations 5x
- All Other Purchases 1x
- Monthly Statement Credit $20
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- AAdvantage
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Common Questions: AT&T Points Plus Card vs Citi Thank You
Is the AT&T Points Plus Card or Citi Thank You 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 Thank You offers no current bonus. AT&T Points Plus Card has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the AT&T Points Plus Card and the Citi Thank You?
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.