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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.

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

  • 1x Miles on All Purchases · $330
  • Famous Companion Fare™ · $300
  • Free First Checked Bag · $210
  • 3x Miles on Alaska Airlines Purchases · $135
  • $100 Alaska Lounge+ Discount · $100
Full Bank of America Atmos™ Rewards Visa Signature® Business Card 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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