AT&T Points Plus Pricing and Information Table

AT&T Points Plus Pricing and Information Table, as filed by Citibank, carries a purchase APR of 19.49%–27.49%, no annual fee and a 29.99% penalty rate. Against the 4,587 filings on this site, that rate lands around the 66th percentile.

What this filing discloses

The document behind this page is Citibank's filed agreement for AT&T Points Plus Pricing and Information Table. The filing runs two pages.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, a penalty rate and an annual fee line. It is silent on a foreign transaction fee.

Where the purchase APR sits

The purchase APR is quoted as a range of 19.49% to 27.49%. That 8-point spread is the whole of what the filing commits to; the method for assigning a rate inside it is not in the document.

The floor of that band sits at about the 59th percentile of filed purchase rates; the ceiling sits at about the 66th. In corpus terms the same card can be cheap or expensive depending on how it is priced.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

The arithmetic of revolving

The purchase rate turns a $2,500 revolving balance into roughly $791 of annual interest.

Against the corpus median of 21.99%, that is approximately $176 a year of extra interest on the same $2,500.

Small balances do not get a proportionally small bill — the agreement imposes a $0.50 minimum interest charge in any month where interest applies.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

Default pricing

The agreement discloses penalty pricing of 29.99% — about the 61st percentile of the 794 penalty rates recorded across this index.

That is 2.5 points above the standard purchase rate. On a $2,000 balance, the shift from 27.49% to 29.99% adds something like $67 of interest over a year — the real cost of the default, quite apart from the fee itself.

On the fee side, a late payment can cost up to $41, which is around the 89th percentile here.

Where the fees are

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

Taking cash against the card means a cash advance APR of 29.74%. The premium over purchases is 2.25 percentage points. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

The transfer fee is 0.05% of the amount transferred; transferred balances then run at 19.49%. On $3,000 that fee is about $2 before any interest is charged.

The grace period

Anyone clearing the statement balance inside 23 days pays no purchase interest at all under this filing. That is shorter than the 25-day corpus median.

A minimum interest charge of $0.50 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

How it sits in the issuer's own range

This is one of 82 Citibank agreements collected here. Their disclosed purchase rates run from 25.99% to 34.24%, and this one at 27.49% is more expensive than 3 of them.

33 of the issuer's other 39 disclosing filings are likewise fee-free.

The limits of this document

Absent from the captured terms: a foreign transaction fee. The original document is the place to look for any of these.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Go to the source

The original filing, 2 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

The pricing here is middling by the standards of the index — 27.49% on purchases is near enough to typical. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.