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Citi Citi / AAdvantage Business vs AT&T Points Plus Card from Citi

Both are Citi cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. AT&T Points Plus Card from Citi 1.9% 1x base rate
  2. Citi / AAdvantage Business 1.5% 1x base rate

Groceries

  1. AT&T Points Plus Card from Citi 3.8% 2x
  2. Citi / AAdvantage Business 1.5% 1x base rate

Gas

  1. AT&T Points Plus Card from Citi 5.7% 3x
  2. Citi / AAdvantage Business 2.9% 2x

Phone & internet

  1. Citi / AAdvantage Business 2.9% 2x
  2. AT&T Points Plus Card from Citi 1.9% 1x base rate

Flights

  1. Citi / AAdvantage Business 2.9% 2x
  2. AT&T Points Plus Card from Citi 1.9% 1x base rate

Car rental

  1. Citi / AAdvantage Business 2.9% 2x
  2. AT&T Points Plus Card from Citi 1.9% 1x base rate

What the numbers are doing

AT&T Points Plus Card from Citi tops everything else at 1.9% only because this table values its points at 1.9 cents each. Value them at one cent and Citi / AAdvantage Business wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Citi / AAdvantage Business $99 and AT&T Points Plus Card from Citi $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: AT&T Points Plus Card from Citi takes everything else, groceries and gas; Citi / AAdvantage Business takes phone & internet, flights and car rental.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseAT&T Points Plus Card from Citi1.9%
GroceriesAT&T Points Plus Card from Citi3.8%
GasAT&T Points Plus Card from Citi5.7%
Phone & internetCiti / AAdvantage Business2.9%
FlightsCiti / AAdvantage Business2.9%
Car rentalCiti / AAdvantage Business2.9%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. AT&T Points Plus Card from Citi — 1.9%
  2. Citi / AAdvantage Business — 1.5%

Groceries

  1. AT&T Points Plus Card from Citi — 3.8%
  2. Citi / AAdvantage Business — 1.5%

Gas

  1. AT&T Points Plus Card from Citi — 5.7%
  2. Citi / AAdvantage Business — 2.9%

Phone & internet

  1. Citi / AAdvantage Business — 2.9%
  2. AT&T Points Plus Card from Citi — 1.9%

Flights

  1. Citi / AAdvantage Business — 2.9%
  2. AT&T Points Plus Card from Citi — 1.9%

Car rental

  1. Citi / AAdvantage Business — 2.9%
  2. AT&T Points Plus Card from Citi — 1.9%
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