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Side-by-side
Atmos Rewards Summit Visa Infinite Card vs Citi Custom Cash
Both are well-respected travel cards. The Atmos Rewards Summit Visa Infinite Card comes from Bank of America at $395/yr; the Citi Custom Cash from Citi at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
If you're not sure you'll use premium perks, start with the Citi Custom Cash, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.
| Feature | Atmos Rewards Summit Visa Infinite Card | Citi Custom Cash |
|---|---|---|
| Annual fee | $395 | $0 |
| Sign-up bonus | Not advertised | $200 cash back |
| Bonus value (est.) | - | $200 |
| Min spend to unlock bonus | - | $1,500 in 6 mo |
| Issuer | Bank of America | Citi |
| Card category | travel | cashback |
| Best earning category (Airline) | 3x | 1x |
| Transfer partners | None | citi-ty |
| Headline benefits |
|
Read the full review
Atmos Rewards Summit Visa Infinite Card
$395/yr ·
Read the full review
Citi Custom Cash
$0/yr · $200 cash back
Editorial take: Citi Custom Cash
Genuinely clever. 5% on whichever category you spent most on each month, capped at $500/month. Earns $25/month = $300/year effortlessly. Pairs with Premier to convert to transferable ThankYou Points.
Common questions
- Which card has the bigger sign-up bonus, Atmos Rewards Summit Visa Infinite Card or Citi Custom Cash?
- The Citi Custom Cash has a public bonus ($200 cash back, worth roughly $200), while the Atmos Rewards Summit Visa Infinite Card doesn't advertise one right now.
- Is the Atmos Rewards Summit Visa Infinite Card's $395 annual fee worth it compared to the Citi Custom Cash?
- At $395/yr, the Atmos Rewards Summit Visa Infinite Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Citi Custom Cash's, pick the one whose perks you'll actually use.
- Can I have both the Atmos Rewards Summit Visa Infinite Card and Citi Custom Cash?
- 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 Summit Visa Infinite Card or the Citi Custom Cash first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Atmos Rewards Summit Visa Infinite Card: no published min spend. Citi Custom Cash: $1,500 in 6 months. 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.