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All comparisons
Head-to-head, 2026

Bank of America Atmos™ Rewards Ascent Visa Signature® Citi Strata Premier

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Citi Strata Premier

Bank of America

Atmos™ Rewards Ascent Visa Signature®

Annual fee
$100
Network
visa
Welcome value
—
Min spend
—

Top earning rates

  • 5×climate-positive actions and sustainable partner brands · cash_back_percent
  • 5×electric vehicle charging and public transportation · cash_back_percent
  • 1×all other purchases · cash_back_percent

Key benefits

  • Annual $99 Companion Fare (Spend Tier) · $300
  • Free checked bag · $140
  • Alaska Lounge+ Membership Discount · $100
  • No foreign transaction fees · $0
  • 20% Inflight Rebate · $0
Full Bank of America Atmos™ Rewards Ascent Visa Signature® review

Citi

Strata Premier

Annual fee
$95
Network
mastercard
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 10×car rentals · Citi ThankYou Points
  • 10×attractions · Citi ThankYou Points
  • 10×hotels · Citi ThankYou Points
  • 3×hotels · Citi ThankYou Points

Key benefits

  • Points Transfer to Partners · $150
  • $200 Annual Hotel Benefit · $100
  • Travel Protection Benefits · $50
  • No Foreign Transaction Fees · $30
  • Citi Entertainment® · $20
Full Citi Strata Premier review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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