AT&T Points Plus®

Yes, for the right person. If you already use AT&T wireless or eligible internet service and can reliably spend at least $1,000 per billing cycle, this card can return far more value through monthly statement credits and bill discounts than its rewards chart suggests. With no annual fee, that makes it easier to justify than many cards that depend on high spending or a large upfront cost.

It is a weaker fit if you are not deeply in the AT&T ecosystem, if your monthly spending will not regularly clear the $1,000 threshold, or if you want flexible travel rewards. ThankYou points here are worth about 1 cent each, the welcome offer is very small, and the 3% foreign transaction fee makes it a poor card for international use. For most readers, this is a benefits-driven card first and a rewards card second.