The Citi Strata Elite edges out the AT&T Points Plus Card for most cardholders — it wins on 3 of 4 comparison categories and offers 100,000 pts signup bonus earns more (up to 12x vs 3x). The AT&T Points Plus Card is the better choice if you want no or lower annual fee.
AT&T Points Plus Card vs Citi Strata Elite
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Which Card Comes Out Ahead?
Citi Strata Elite is the stronger all-around option for most people in this matchup because it wins more measurable categories in our scoring model. AT&T Points Plus Card still makes sense if your spending pattern lines up better with its fee profile, issuer rules, or rewards ecosystem.
Best if you will actually use recurring statement credits and premium benefits.
Best if you care most about stronger category earning on everyday spend.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- gas and EV charging stations 3x
- AT&T purchases 2x
- grocery stores, including grocery delivery services 2x
- Hotels (Citi Travel) 12x
- Car Rentals (Citi Travel) 12x
- Attractions (Citi Travel) 12x
- Monthly Statement Credit $20
- Hotel Benefit $300
- Splurge Credit $200
- Blacklane Credit $200
- +3 more
- Priority Pass Select
- Hertz Five Star Status
- 25% Points Bonus on Portal Redemptions
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- AAdvantage
- Accor Live Limitless
- Accor Live Limitless
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- AAdvantage
- AAdvantage
- Accor Live Limitless
- Accor Live Limitless
- Avianca LifeMiles
- +33 more
Quick summary
A short version of the comparison with the main differences at a glance.
The Citi Strata Elite edges out the AT&T Points Plus Card for most cardholders — it wins on 3 of 4 comparison categories and offers 100,000 pts signup bonus earns more (up to 12x vs 3x). The AT&T Points Plus Card is the better choice if you want no or lower annual fee. On raw upside, Citi Strata Elite tops out at 12x versus 3x for AT&T Points Plus Card. Current signup bonus values are roughly $3 for AT&T Points Plus Card and $15 for Citi Strata Elite. Updated June 17, 2026. Source: https://cardcurator.ai/compare/at-t-points-plus-card-vs-citi-strata-elite
- Citi Strata Elite wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Citi Strata Elite reaches 12x; AT&T Points Plus Card reaches 3x.
- Annual fee: Citi Strata Elite is $595/yr; AT&T Points Plus Card is no annual fee.
- Current public bonus values are approximately $3 and $15.
Common Questions: AT&T Points Plus Card vs Citi Strata Elite
Is the AT&T Points Plus Card or Citi Strata Elite better for dining?
AT&T Points Plus Card has no dining bonus; Citi Strata Elite earns 6x on dining.
Which has the higher signup bonus in 2026?
AT&T Points Plus Card currently offers $3 signup bonus (spend $500 in 3 months). Citi Strata Elite offers 100,000 pts signup bonus (spend $6,000 in 3 months). Citi Strata Elite has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the AT&T Points Plus Card and the Citi Strata Elite?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Citi, so check their specific application rules.
Keep Researching
If this matchup is close, the stronger next step is usually to read the full card reviews or use a broader ranking page instead of comparing random pairs one by one.