AT&T Points Plus Benefits Guide
Updated March 2026 • Citi • No annual fee
AT&T Points Plus Benefits Overview
Card Network Benefits
- Visa Zero Liability: You are not responsible for unauthorized purchases made with your Visa card.
- Visa Signature Roadside Dispatch: 24/7 roadside assistance dispatch at a set rate per call, no membership needed.
- Lost Luggage Reimbursement: Reimburses you for lost or damaged checked or carry-on baggage on common carriers.
- Emergency Card Replacement: Emergency card replacement and cash disbursement within 1-3 business days worldwide.
How to Use Your Benefits
Card Network Benefits
Review your card's benefits guide for full terms. Benefits vary by card tier and may require enrollment.
Frequently Asked Questions
How do I activate credit card benefits?
Most benefits are automatic when you pay with your card. Some require enrollment through your card's benefits portal or a one-time registration. Check your card's benefits guide for details.
Do credit card benefits expire?
Most benefits do not expire while your card remains active. Annual credits typically reset each cardmember year or calendar year. Check your specific card terms.
How do I file a purchase protection claim?
Contact your card's benefits administrator (not the issuer directly) within the claim window, typically 60-90 days from the incident. You will need your receipt and a description of what happened.
Are credit card benefits the same as rewards?
No. Benefits include protections (purchase protection, travel insurance) and services (concierge, lounge access). Rewards are the points, miles, or cash back you earn on spending.
What is the difference between extended warranty and purchase protection?
Purchase protection covers damage or theft shortly after purchase (usually 90-120 days). Extended warranty doubles the manufacturer's warranty period on eligible items, typically up to 1 year.