Card Comparison
AT&T Points Plus Card vs Citi Thank You
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
No annual fee
Foreign Fees
3%
None
Signup Bonus
20,000 points
Spend $1,000 in 3 months
None
Top Earn Rates
- gas and EV charging stations 3x
- grocery stores, including grocery delivery services 2x
- All Other Purchases 1x
- Gas Stations 5x
- All Other Purchases 1x
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
- AAdvantage
- AAdvantage
- Aeromexico Club Premier
- Aeromexico Club Premier
- Accor Live Limitless
- +35 more
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 20,000 pts signup bonus (spend $1,000 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?
Citi Thank You 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 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.