CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
The Atmos Rewards Summit Visa Infinite Credit Card ($395/yr) is better for everyday value, while the Citi Strata Elite℠ Card ($595/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Atmos Rewards Summit Visa Infinite Credit Card | Citi Strata Elite℠ Card |
|---|---|---|
| Dining Citi Nights | 1X |
The Atmos Rewards Summit Visa Infinite Credit Card wins in 3 of 5 categories. The Citi Strata Elite℠ Card leads in 2.
Alaska Airlines
Atmos Rewards Summit Visa Infinite Credit Card earns 3X vs 1.5X
Hawaiian Airlines
Atmos Rewards Summit Visa Infinite Credit Card earns 3X vs 1.5X
Foreign Transactions
Atmos Rewards Summit Visa Infinite Credit Card earns 3X vs 1.5X
Dining Citi Nights
Citi Strata Elite℠ Card earns 6X vs 1X
Everyday purchases
Citi Strata Elite℠ Card earns 1.5X on all other spending vs 1X
The Citi Strata Elite℠ Card costs $595/yr — that's $200 more than the Atmos Rewards Summit Visa Infinite Credit Card ($395/yr). To justify that gap, you need to extract at least $200 in annual value from the card's higher earn rates and benefits.
The Citi Strata Elite℠ Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $200 difference is moderate. If you spend consistently on dining citi nights and dining, the Citi Strata Elite℠ Card's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
The Atmos Rewards Summit Visa Infinite Credit Card has a lower annual fee ($395 vs $595), making it the more accessible option.
The Citi Strata Elite℠ Card justifies its higher fee with premium perks like lounge access.
For everyday spending, the Citi Strata Elite℠ Card earns more with its 1.5X base rate.
Choose the Atmos Rewards Summit Visa Infinite Credit Card if you want solid rewards with a lower cost of entry. Choose the Citi Strata Elite℠ Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Atmos Rewards Summit Visa Infinite Credit Card ($395/yr) is better for everyday value, while the Citi Strata Elite℠ Card ($595/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Atmos Rewards Summit Visa Infinite Credit Card | Citi Strata Elite℠ Card |
|---|---|---|
| Dining Citi Nights | 1X |
The Atmos Rewards Summit Visa Infinite Credit Card wins in 3 of 5 categories. The Citi Strata Elite℠ Card leads in 2.
Alaska Airlines
Atmos Rewards Summit Visa Infinite Credit Card earns 3X vs 1.5X
Hawaiian Airlines
Atmos Rewards Summit Visa Infinite Credit Card earns 3X vs 1.5X
Foreign Transactions
Atmos Rewards Summit Visa Infinite Credit Card earns 3X vs 1.5X
Dining Citi Nights
Citi Strata Elite℠ Card earns 6X vs 1X
Everyday purchases
Citi Strata Elite℠ Card earns 1.5X on all other spending vs 1X
The Citi Strata Elite℠ Card costs $595/yr — that's $200 more than the Atmos Rewards Summit Visa Infinite Credit Card ($395/yr). To justify that gap, you need to extract at least $200 in annual value from the card's higher earn rates and benefits.
The Citi Strata Elite℠ Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $200 difference is moderate. If you spend consistently on dining citi nights and dining, the Citi Strata Elite℠ Card's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
The Atmos Rewards Summit Visa Infinite Credit Card has a lower annual fee ($395 vs $595), making it the more accessible option.
The Citi Strata Elite℠ Card justifies its higher fee with premium perks like lounge access.
For everyday spending, the Citi Strata Elite℠ Card earns more with its 1.5X base rate.
Choose the Atmos Rewards Summit Visa Infinite Credit Card if you want solid rewards with a lower cost of entry. Choose the Citi Strata Elite℠ Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Atmos Rewards Summit Visa Infinite Credit Card ($395/yr) is better for everyday value, while the Citi Strata Elite℠ Card ($595/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Atmos Rewards Summit Visa Infinite Credit Card | Citi Strata Elite℠ Card |
|---|---|---|
| Dining Citi Nights | 1X |
The Atmos Rewards Summit Visa Infinite Credit Card wins in 3 of 5 categories. The Citi Strata Elite℠ Card leads in 2.
Alaska Airlines
Atmos Rewards Summit Visa Infinite Credit Card earns 3X vs 1.5X
Hawaiian Airlines
Atmos Rewards Summit Visa Infinite Credit Card earns 3X vs 1.5X
Foreign Transactions
Atmos Rewards Summit Visa Infinite Credit Card earns 3X vs 1.5X
Dining Citi Nights
Citi Strata Elite℠ Card earns 6X vs 1X
Everyday purchases
Citi Strata Elite℠ Card earns 1.5X on all other spending vs 1X
The Citi Strata Elite℠ Card costs $595/yr — that's $200 more than the Atmos Rewards Summit Visa Infinite Credit Card ($395/yr). To justify that gap, you need to extract at least $200 in annual value from the card's higher earn rates and benefits.
The Citi Strata Elite℠ Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $200 difference is moderate. If you spend consistently on dining citi nights and dining, the Citi Strata Elite℠ Card's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
The Atmos Rewards Summit Visa Infinite Credit Card has a lower annual fee ($395 vs $595), making it the more accessible option.
The Citi Strata Elite℠ Card justifies its higher fee with premium perks like lounge access.
For everyday spending, the Citi Strata Elite℠ Card earns more with its 1.5X base rate.
Choose the Atmos Rewards Summit Visa Infinite Credit Card if you want solid rewards with a lower cost of entry. Choose the Citi Strata Elite℠ Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
| 6X |
| Alaska Airlines | 3X | 1.5X |
| Dining | 3X | 3X |
| Foreign Transactions | 3X | 1.5X |
| Hawaiian Airlines | 3X | 1.5X |
| Everything Else | 1X | 1.5X |
Network
Key Benefits
Pros
Cons
Choosing Citi Strata Elite℠ Card means losing:
Get the Atmos Rewards Summit Visa Infinite Credit Card if you:
Get the Citi Strata Elite℠ Card if you:
| 6X |
| Alaska Airlines | 3X | 1.5X |
| Dining | 3X | 3X |
| Foreign Transactions | 3X | 1.5X |
| Hawaiian Airlines | 3X | 1.5X |
| Everything Else | 1X | 1.5X |
Network
Key Benefits
Pros
Cons
Choosing Citi Strata Elite℠ Card means losing:
Get the Atmos Rewards Summit Visa Infinite Credit Card if you:
Get the Citi Strata Elite℠ Card if you:
| 6X |
| Alaska Airlines | 3X | 1.5X |
| Dining | 3X | 3X |
| Foreign Transactions | 3X | 1.5X |
| Hawaiian Airlines | 3X | 1.5X |
| Everything Else | 1X | 1.5X |
Network
Key Benefits
Pros
Cons
Choosing Citi Strata Elite℠ Card means losing:
Get the Atmos Rewards Summit Visa Infinite Credit Card if you:
Get the Citi Strata Elite℠ Card if you:
