AT&T Points Plus® Card from Citi vs Chase Freedom Flex®

AT&T Points Plus® Card from CitiAT&T Points Plus® Card from Citi

Citi

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Chase Freedom Flex®Chase Freedom Flex®

Chase

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
ThankYou Points
Chase Ultimate Rewards
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
—
20,000 Chase Ultimate Rewards after $500 in 90 days

Effective return by category

CategoryAT&T Points Plus® Card from CitiChase Freedom Flex®
Groceries2.00%
2x
5.00%
5x · Rotating (Quarterly) · $1,500 cap
Card Travel Portals1.00%
1x
5.00%
5x
Charity & Donations1.00%
1x
5.00%
5x · Rotating (Quarterly) · $1,500 cap
Gas Stations3.00%
3x
1.00%
1x
EV Charging3.00%
3x
1.00%
1x
Dining & Restaurants1.00%
1x
3.00%
3x
Drugstores & Pharmacies1.00%
1x
3.00%
3x
Everything else1.00%
1x
1.00%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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