Network

Key Benefits

Pros

• +Annual 25,000-point Global Companion Award worth $450+ on partner flights
• +Priority Pass Select membership for airport lounge access
• +3x points on travel and dining purchases
• +No foreign transaction fees for international travel
• +Carbon offset and climate-positive banking initiatives

• +12X on hotels, car rentals, and attractions via Citi Travel portal
• +6X on dining during Citi Nights℠ (Fri/Sat evenings)
• +Up to $700 in annual statement credits ($300 hotel + $200 Splurge + $200 Blacklane)
• +Priority Pass Select + 4 AA Admirals Club passes per year
• +ThankYou points transfer to AA, JetBlue, Virgin Atlantic, and 15+ other partners

Cons

• −High $395 annual fee not waived first year
• −Atmos is a smaller issuer with less established customer service infrastructure
• −Limited transfer partners compared to Chase, Amex, or Citi programs
• −Only 1x on non-bonus spending
• −Requires excellent or good credit

• −High $595 annual fee requires maximizing statement credits to offset
• −Best earn rates require booking through Citi Travel portal (lose hotel loyalty credit)
• −Citi Nights dining bonus limited to Fri/Sat 6PM-6AM ET timezone
• −Only 4 Admirals Club passes (not unlimited access)
• −Authorized user fee of $75 per user

Network

Key Benefits

Pros

• +Annual 25,000-point Global Companion Award worth $450+ on partner flights
• +Priority Pass Select membership for airport lounge access
• +3x points on travel and dining purchases
• +No foreign transaction fees for international travel
• +Carbon offset and climate-positive banking initiatives

• +12X on hotels, car rentals, and attractions via Citi Travel portal
• +6X on dining during Citi Nights℠ (Fri/Sat evenings)
• +Up to $700 in annual statement credits ($300 hotel + $200 Splurge + $200 Blacklane)
• +Priority Pass Select + 4 AA Admirals Club passes per year
• +ThankYou points transfer to AA, JetBlue, Virgin Atlantic, and 15+ other partners

Cons

• −High $395 annual fee not waived first year
• −Atmos is a smaller issuer with less established customer service infrastructure
• −Limited transfer partners compared to Chase, Amex, or Citi programs
• −Only 1x on non-bonus spending
• −Requires excellent or good credit

• −High $595 annual fee requires maximizing statement credits to offset
• −Best earn rates require booking through Citi Travel portal (lose hotel loyalty credit)
• −Citi Nights dining bonus limited to Fri/Sat 6PM-6AM ET timezone
• −Only 4 Admirals Club passes (not unlimited access)
• −Authorized user fee of $75 per user

Network

Key Benefits

Pros

• +Annual 25,000-point Global Companion Award worth $450+ on partner flights
• +Priority Pass Select membership for airport lounge access
• +3x points on travel and dining purchases
• +No foreign transaction fees for international travel
• +Carbon offset and climate-positive banking initiatives

• +12X on hotels, car rentals, and attractions via Citi Travel portal
• +6X on dining during Citi Nights℠ (Fri/Sat evenings)
• +Up to $700 in annual statement credits ($300 hotel + $200 Splurge + $200 Blacklane)
• +Priority Pass Select + 4 AA Admirals Club passes per year
• +ThankYou points transfer to AA, JetBlue, Virgin Atlantic, and 15+ other partners

Cons

• −High $395 annual fee not waived first year
• −Atmos is a smaller issuer with less established customer service infrastructure
• −Limited transfer partners compared to Chase, Amex, or Citi programs
• −Only 1x on non-bonus spending
• −Requires excellent or good credit

• −High $595 annual fee requires maximizing statement credits to offset
• −Best earn rates require booking through Citi Travel portal (lose hotel loyalty credit)
• −Citi Nights dining bonus limited to Fri/Sat 6PM-6AM ET timezone
• −Only 4 Admirals Club passes (not unlimited access)
• −Authorized user fee of $75 per user