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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
$95
Network
visa
Welcome value
$840
Min spend
$2,500 / 3mo

Top earning rates

  • 3×Alaska Airlines and Hawaiian Airlines purchases
  • 2×Gas, EV charging station, cable, streaming services and local transit purchases, including rideshare
  • 1×All other purchases

Key benefits

  • Annual $99 Companion Fare (Spend Tier) · $250
  • Free first checked bag · $140
  • $100 Alaska Lounge+ Membership Discount · $100
  • No Foreign Transaction Fees · $0
  • $0 Liability Guarantee · $0
Full Bank of America Atmos™ Rewards Ascent Visa Signature® review

Citi

Strata Premier

Annual fee
$0
Network
mastercard
Welcome value
—
Min spend
$4,000 / 3mo

Top earning rates

  • 3×Air travel and other hotel purchases · ThankYou Points
  • 3×Restaurants · ThankYou Points
  • 3×Supermarkets · ThankYou Points
  • 3×Gas and EV charging stations · ThankYou Points

Key benefits

  • $100 Annual Hotel Benefit · $100
  • Lost or Damaged Luggage Protection · $0
  • MasterRental Coverage · $0
  • The Reserve by Citi Travel Hotel Benefits · $0
  • Trip Cancellation and Interruption Insurance · $0
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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