AT&T Points Plus vs Strata Elite
AT&T Points Plus
$0/yr
7.0/10
VS
Strata Elite
$595/yr
5.5/10
Quick Answer
AT&T Points Plus charges no annual fee with 1X base rewards. Strata Elite charges $595/yr with 1X base rewards. AT&T Points Plus offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
AT&T Points Plus
Lower annual fee ($0 vs $595)
Rewards Earning
AT&T Points Plus
3 earning categories
Benefits & Protection
AT&T Points Plus
0 benefits vs 0
Statement Credits
Strata Elite
$350 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
AT&T Points Plus wins for most people
The $595 fee difference is hard to justify unless you maximize premium benefits.
Apply for AT&T Points PlusPREMIUM PICK
Strata Elite wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Strata EliteRewards Earning: Detailed Comparison
AT&T Points Plus
| AT&T wireless purchases | 3.0X |
| Dining | 2.0X |
| Everything else | 1.0X |
Strata Elite
| Hotels, air travel, restaurants, supermarkets, gas | 3.0X |
| Everything else | 1.0X |