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Side-by-side

Atmos Rewards Ascent Visa Signature vs Citi Strata Card

Both are well-respected travel cards. The Atmos Rewards Ascent Visa Signature comes from Bank of America at $95/yr; the Citi Strata Card from Citi at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Atmos Rewards Ascent Visa Signature is the stronger pick today, the sign-up bonus is meaningfully larger ($1,260 more in estimated value) than the Citi Strata Card's. Get the Atmos Rewards Ascent Visa Signature first; revisit the Citi Strata Card after you've earned that bonus.

FeatureAtmos Rewards Ascent Visa SignatureCiti Strata Card
Annual fee$95$0
Sign-up bonus80,000 points + Companion Fare20,000 bonus points
Bonus value (est.)$1,600$340
Min spend to unlock bonus$4,000 in 4 mo-
IssuerBank of AmericaCiti
Card categoryairlinetravel
Best earning category (Alaska_hawaiian)3x1x
Transfer partnersNoneNone
Headline benefits
  • $99 Companion Fare annually
  • 80K + Companion Fare welcome offer
  • 3x on Alaska & Hawaiian
  • No foreign tx fees
    Read the full review
    Atmos Rewards Ascent Visa Signature
    $95/yr · 80,000 points + Companion Fare
    Read the full review
    Citi Strata Card
    $0/yr · 20,000 bonus points

    Editorial take: Atmos Rewards Ascent Visa Signature

    The current Atmos Rewards Ascent card replaces Alaska's legacy Visa Signature. The Companion Fare alone justifies the $95 fee, book a paid Alaska or Hawaiian ticket, take a partner along for $99 + tax. Easy three-figure value at the West Coast / Asia-via-Alaska routes Alaska reaches.

    Editorial take: Citi Strata Card

    Common questions

    Which card has the bigger sign-up bonus, Atmos Rewards Ascent Visa Signature or Citi Strata Card?
    The Atmos Rewards Ascent Visa Signature has the bigger bonus, 80,000 points + Companion Fare, worth roughly $1,600, versus 20,000 bonus points (~$340) on the Citi Strata Card.
    Is the Atmos Rewards Ascent Visa Signature's $95 annual fee worth it compared to the Citi Strata Card?
    At $95/yr, the Atmos Rewards Ascent Visa Signature is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Citi Strata Card's, pick the one whose perks you'll actually use.
    Can I have both the Atmos Rewards Ascent Visa Signature and Citi Strata Card?
    Yes, since they're from different issuers (Bank of America and Citi) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
    Should I get the Atmos Rewards Ascent Visa Signature or the Citi Strata Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Atmos Rewards Ascent Visa Signature: $4,000 spend in 4 months. Citi Strata Card: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

    Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.