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CardCurator — Rewards Intelligence
Card Comparison

Atmos Rewards Summit vs Citi Custom Cash

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Atmos Rewards Summit card art
Atmos Rewards
Atmos Rewards Summit
Bank of America
More Info
Citi Custom Cash card art
Citi ThankYou Points
Citi Custom Cash
Citi
More Info
Annual Fee
$395/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
100,000 points
Spend $6,000 in 3 months
$200 credit
Spend $1,500 in 6 months
Top Earn Rates
  • Alaska/Hawaiian Airlines 3x
  • Gas Stations 2x
  • EV Charging 2x
  • Top Eligible Category 5x
  • All Other Purchases 1x
Reward Type
miles
cashback
Key Credits
  • Annual Travel Credit $200
None
Card Perks
  • Free checked bag (~$70/yr)
  • 8 Alaska Lounge Passes (~$520/yr)
  • TSA PreCheck® or Global Entry (~$118/yr)
  • +2 more
None listed
Spend Milestones
  • 100,000-point Global Companion Award
    After $60,000 spend
No milestones
Transfer Partners
No transfer partners
  • AAdvantage
  • AAdvantage
  • Aeromexico Club Premier
  • Aeromexico Club Premier
  • Accor Live Limitless
  • +35 more
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Common Questions: Atmos Rewards Summit vs Citi Custom Cash

Is the Atmos Rewards Summit or Citi Custom Cash better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

Atmos Rewards Summit currently offers 100,000 pts signup bonus (spend $6,000 in 3 months). Citi Custom Cash offers $200 signup bonus (spend $1,500 in 6 months). Atmos Rewards Summit 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 Atmos Rewards Summit and the Citi Custom Cash?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Atmos Rewards Summit is from Bank of America and Citi Custom Cash is from Citi, so they're governed by separate bank policies.