Is the Citi Strata Elite℠ Card worth the higher annual fee?

The Citi Strata Elite℠ Card costs $595/yr vs $395/yr for the Atmos Rewards Summit Visa Infinite Credit Card. Compare the year-one vs ongoing value table on this page — the $200 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Citi Strata Elite℠ Card also lists lounge access).

Which card earns more rewards, the Atmos Rewards Summit Visa Infinite Credit Card or Citi Strata Elite℠ Card?

The Citi Strata Elite℠ Card has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.

What benefits does the Atmos Rewards Summit Visa Infinite Credit Card have that the Citi Strata Elite℠ Card doesn't?

The Atmos Rewards Summit Visa Infinite Credit Card offers lounge access. The Citi Strata Elite℠ Card offers lounge access.

Should I get the Atmos Rewards Summit Visa Infinite Credit Card or the Citi Strata Elite℠ Card?

Use the spend scenarios on this page: the Atmos Rewards Summit Visa Infinite Credit Card has a lower $395/yr fee; the Citi Strata Elite℠ Card must earn enough extra (or offer a larger welcome bonus) to justify $595/yr.

Atmos Rewards Summit Visa Infinite Credit Card vs Citi Strata Elite℠ Card

Annual fees: Atmos Rewards Summit Visa Infinite Credit Card $395/yr, Citi Strata Elite℠ Card $595/yr. Strongest bonus categories: Atmos Rewards Summit Visa Infinite Credit Card on dining, Citi Strata Elite℠ Card on dining.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Atmos Rewards Summit Visa Infinite Credit Card Bank of America · $395/yr	Citi Strata Elite℠ Card Citi · $595/yr
Annual fee	$395 Lowest	$595
Welcome offerCurrent public offer	70,000 points	75,000 points
Rewards	Alaska Airlines Atmos Rewards	Citi ThankYou Rewards
Foreign transaction fee	None	None
Network	Visa Infinite	Mastercard World Elite
Earn ratesPer $1 spent
Dining	3x	3x
Foreign Transactions	3x Highest	1.5x
Everything else	1x	1.5x Highest
Statement creditsAs the issuer states them · — means none on record
Travel	—	$300 hotel credit Up to $120 Global Entry or TSA PreCheck / 4 years · $120 every 4 years
Other credits	$120 airport security · $120 every 4 years	$200 Blacklane credit $200 Splurge credit $145 recurring Citigold Private Client credit
Perks & access— means none on record
Lounges	8 Alaska Lounge passes worth $520 annually	Priority Pass™ Select membership American Airlines Admirals Club® Lounge Access Passes
Hotel status & programs	900+ luxury hotels with room upgrades	—
Airline perks	25,000-point Global Companion Award every anniversary 8 free Wi-Fi passes on Alaska flights Free checked bag Preferred boarding	—
Other perks	24/7 personal concierge service 10,000 status points each year 20% back onboard No same-day changes fees Partner award booking fee waiver Share your points for free Show 2 more Transfer points to partner loyalty programs 1 status point per $2 spent on purchases	Citi Travel® Citi Entertainment Death & Co® Points transfer
Protections & insuranceLimits where published · — means none on record
Trip insurance	Travel delay protection · up to $50	Travel and Shopping Protection
Rental car	—	MasterRental Coverage
Other protections	—	Comprehensive identity theft monitoring FICO score monitoring
Pros & cons
Pros	25,000-point Global Companion Award every account anniversary (100,000-point award at $60,000 annual spend) 8 Alaska Lounge passes a year (2 per quarter) 3x points on dining, foreign transactions, and Alaska/Hawaiian purchases No foreign transaction fees for international travel Free checked bag and preferred boarding for you and up to 6 guests	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 other airline and hotel programs
Cons	High $395 annual fee not waived first year Alaska Lounge passes are valid only at Alaska Lounges and expire at the end of each quarter 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
	Card details	Card details

Atmos Rewards Summit Visa Infinite Credit Card
Bank of America · $395/yr
Citi Strata Elite℠ Card
Citi · $595/yr

Overview

Annual fee: Atmos Rewards Summit Visa Infinite Credit Card
$395
Lowest
Citi Strata Elite℠ Card
$595
Welcome offerCurrent public offer: Atmos Rewards Summit Visa Infinite Credit Card
70,000 points
Citi Strata Elite℠ Card
75,000 points
Rewards: Atmos Rewards Summit Visa Infinite Credit Card
Alaska Airlines Atmos Rewards
Citi Strata Elite℠ Card
Citi ThankYou Rewards
Foreign transaction fee: Atmos Rewards Summit Visa Infinite Credit Card
None
Citi Strata Elite℠ Card
None
Network: Atmos Rewards Summit Visa Infinite Credit Card
Visa Infinite
Citi Strata Elite℠ Card
Mastercard World Elite

Earn ratesPer $1 spent

Dining: Atmos Rewards Summit Visa Infinite Credit Card
3x
Citi Strata Elite℠ Card
3x
Foreign Transactions: Atmos Rewards Summit Visa Infinite Credit Card
3x
Highest
Citi Strata Elite℠ Card
1.5x
Everything else: Atmos Rewards Summit Visa Infinite Credit Card
1x
Citi Strata Elite℠ Card
1.5x
Highest

Statement creditsAs the issuer states them · — means none on record

Travel: Atmos Rewards Summit Visa Infinite Credit Card
—
Citi Strata Elite℠ Card
$300 hotel credit
Up to $120 Global Entry or TSA PreCheck / 4 years · $120 every 4 years
Other credits: Atmos Rewards Summit Visa Infinite Credit Card
$120 airport security · $120 every 4 years
Citi Strata Elite℠ Card
$200 Blacklane credit
$200 Splurge credit
$145 recurring Citigold Private Client credit

Perks & access— means none on record

Lounges: Atmos Rewards Summit Visa Infinite Credit Card
8 Alaska Lounge passes worth $520 annually
Citi Strata Elite℠ Card
Priority Pass™ Select membership
American Airlines Admirals Club® Lounge Access Passes
Hotel status & programs: Atmos Rewards Summit Visa Infinite Credit Card
900+ luxury hotels with room upgrades
Citi Strata Elite℠ Card
—
Airline perks: Atmos Rewards Summit Visa Infinite Credit Card
25,000-point Global Companion Award every anniversary
8 free Wi-Fi passes on Alaska flights
Free checked bag
Preferred boarding
Citi Strata Elite℠ Card
—
Other perks: Atmos Rewards Summit Visa Infinite Credit Card
24/7 personal concierge service
10,000 status points each year
20% back onboard
No same-day changes fees
Partner award booking fee waiver
Share your points for free
Show 2 more
Transfer points to partner loyalty programs
1 status point per $2 spent on purchases
Citi Strata Elite℠ Card
Citi Travel®
Citi Entertainment
Death & Co®
Points transfer

Protections & insuranceLimits where published · — means none on record

Trip insurance: Atmos Rewards Summit Visa Infinite Credit Card
Travel delay protection · up to $50
Citi Strata Elite℠ Card
Travel and Shopping Protection
Rental car: Atmos Rewards Summit Visa Infinite Credit Card
—
Citi Strata Elite℠ Card
MasterRental Coverage
Other protections: Atmos Rewards Summit Visa Infinite Credit Card
—
Citi Strata Elite℠ Card
Comprehensive identity theft monitoring
FICO score monitoring

Pros & cons

Pros: Atmos Rewards Summit Visa Infinite Credit Card
25,000-point Global Companion Award every account anniversary (100,000-point award at $60,000 annual spend)
8 Alaska Lounge passes a year (2 per quarter)
3x points on dining, foreign transactions, and Alaska/Hawaiian purchases
No foreign transaction fees for international travel
Free checked bag and preferred boarding for you and up to 6 guests
Citi Strata Elite℠ Card
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 other airline and hotel programs
Cons: Atmos Rewards Summit Visa Infinite Credit Card
High $395 annual fee not waived first year
Alaska Lounge passes are valid only at Alaska Lounges and expire at the end of each quarter
Limited transfer partners compared to Chase, Amex, or Citi programs
Only 1x on non-bonus spending
Requires excellent or good credit
Citi Strata Elite℠ Card
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

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

Both cards win in 1 categories each — it comes down to which categories matter most to you.

Foreign Transactions

Atmos Rewards Summit Visa Infinite Credit Card earns 3X vs 1.5X

Everyday purchases

Citi Strata Elite℠ Card earns 1.5X on all other spending vs 1X

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Both scenarios favor the Citi Strata Elite℠ Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Atmos Rewards Summit Visa Infinite Credit Card	Citi Strata Elite℠ Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $172 Credits (our usable estimate): $30 − Annual fee ($395) Ongoing: -$193 Year one: $577	Rewards: $331 Credits (our usable estimate): $505 − Annual fee ($595) Ongoing: $241 Year one: $1,441	Citi Strata Elite℠ Card	Citi Strata Elite℠ Card
Heavy spender: $4,000/month	Rewards: $686 Credits (our usable estimate): $30 − Annual fee ($395) Ongoing: $321 Year one: $1,091	Rewards: $1,325 Credits (our usable estimate): $505 − Annual fee ($595) Ongoing: $1,235 Year one: $2,435	Citi Strata Elite℠ Card	Citi Strata Elite℠ Card

Is the Fee Difference Worth It?

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 includes lounge access, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $200 fee gap for your own usage.

Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $200 fee gap means the Citi Strata Elite℠ Card needs roughly $200 more in annual rewards (or credits you will use) to break even on dining and everyday spend.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Citi Strata Elite℠ Card means losing:

-Free checked bags

Which Card Is Right for You?

Get the Citi Strata Elite℠ Card if you:

+Prefer a high flat rate across all spending

The Bottom Line

Both scenarios favor the Citi Strata Elite℠ Card on net value (rewards, usable credits, fees, and welcome offer).

Everyday (non-bonus) spend earns 1.5X on the Citi Strata Elite℠ Card vs 1X on the other card.

Published annual fees: Atmos Rewards Summit Visa Infinite Credit Card $395/yr, Citi Strata Elite℠ Card $595/yr — a $200 difference before welcome offers and credits.

Frequently Asked Questions

Is the Citi Strata Elite℠ Card worth the higher annual fee?: The Citi Strata Elite℠ Card costs $595/yr vs $395/yr for the Atmos Rewards Summit Visa Infinite Credit Card. Compare the year-one vs ongoing value table on this page — the $200 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Citi Strata Elite℠ Card also lists lounge access).
Which card earns more rewards, the Atmos Rewards Summit Visa Infinite Credit Card or Citi Strata Elite℠ Card?: The Citi Strata Elite℠ Card has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
What benefits does the Atmos Rewards Summit Visa Infinite Credit Card have that the Citi Strata Elite℠ Card doesn't?: The Atmos Rewards Summit Visa Infinite Credit Card offers lounge access. The Citi Strata Elite℠ Card offers lounge access.
Should I get the Atmos Rewards Summit Visa Infinite Credit Card or the Citi Strata Elite℠ Card?: Use the spend scenarios on this page: the Atmos Rewards Summit Visa Infinite Credit Card has a lower $395/yr fee; the Citi Strata Elite℠ Card must earn enough extra (or offer a larger welcome bonus) to justify $595/yr.

Explore More

Atmos Rewards Summit Visa Infinite Credit Card — Full Review All Bank of America Cards

Citi Strata Elite℠ Card — Full Review All Citi Cards

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Official issuer pages: Bank of America cards · Citi cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.