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All comparisons
Head-to-head, 2026

Bank of America Atmos™ Rewards Visa Signature® Business Card 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 Visa Signature® Business Card

Annual fee
$95
Network
visa
Welcome value
—
Min spend
—

Top earning rates

  • 3×Alaska Airlines purchases · Alaska Airlines Mileage Plan
  • 1×All other purchases · Alaska Airlines Mileage Plan

Key benefits

  • $99 Companion Fare (Spend Tier) · $350
  • Free checked bag · $140
  • $100 off Alaska Lounge+ Membership · $0
  • Travel accident insurance · $0
  • Auto rental coverage · $0
Full Bank of America Atmos™ Rewards Visa Signature® Business Card review

Citi

Strata Premier

Annual fee
$0
Network
mastercard
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 10×Car rentals · Citi ThankYou Rewards
  • 10×Attractions · Citi ThankYou Rewards
  • 10×Hotels · Citi ThankYou Rewards
  • 3×Hotels · Citi ThankYou Rewards

Key benefits

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