Atmos™ Rewards Summit Visa Infinite® credit card Review

Last Updated on May 13, 2026

Offer Rating

4.0/5

Packed with powerful rewards and premium benefits, the Atmos™ Rewards Summit Visa Infinite® credit card is an excellent option for those who want more from every trip.

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Atmos Rewards Summit Visa Infinite credit card card art

Atmos™ Rewards Summit Visa Infinite® credit card

4.0 BCC Score
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on Bank of America's secure site

Welcome Offer
100,000 bonus points and a 25,000-point Global Companion Award after spending $6,500 or more on purchases within the first 90 days of opening your account. Additionally, receive a 50% flight discount code for a qualifying future flight after opening your account.
Rewards Rate
3 points for every $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases and unlimited 1 point for every $1 spent on all other purchases
Intro APR
N/A, then 19.49% - 27.49% Variable APR on purchases
Annual Fee
$395
Credit Score Needed
Excellent/Good
Card Brand
Visa
  • Limited-time online offer – 100,000 bonus points + a 50% flight discount code.
  • Receive a 50% flight discount code for a qualifying future flight after opening your account. Additionally, earn 100,000 bonus points and a 25,000-point Global Companion Award after spending $6,500 or more on purchases within the first 90 days of opening your account.
  • Each account anniversary, get a 25,000-point Global Companion Award for a travel companion on the same itinerary, when booking travel using your Atmos™ Rewards points.
  • Additionally, receive a 100,000-point Global Companion Award annually after spending $60,000 or more on purchases each anniversary year.
  • Receive 8 Alaska Lounge passes and 8 Wi-Fi passes every year (2 of each per calendar quarter).
  • Earn unlimited 3 points for every $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases and unlimited 1 point for every $1 spent on all other purchases. Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
  • Get 10,000 status points every year on your account anniversary and earn 1 status point for every $2 spent on purchases.
  • Get a free checked bag and preferred boarding for you and up to 6 guests traveling on the same reservation when you purchase Alaska Airlines or Hawaiian Airlines airfare with your card.
  • Receive an airport security credit up to $120 every four years in connection with the TSA PreCheck® or Global Entry trusted traveler programs.
  • Receive a $50 voucher for Alaska Airlines flight cancellations or departure delays of 2 hours+.
  • Plus, no foreign transaction fees and a competitive $395 annual fee.
  • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Pros

  • Cardholders can earn a massive welcome offer
  • Free checked bag on Alaska Airlines and Hawaiian Airlines, plus 8 Alaska Lounge passes each year
  • Earn elevated points for eligible foreign transactions and pay no foreign transaction fee

Cons

  • Alaska Airlines and Hawaiin Airlines primarily serve the West Coast
  • There is a balance transfer fee of 5% of the amount of each transaction

OUR EXPERT REVIEW

Why We Like It

The Atmos™ Rewards Summit Visa Infinite® credit card is built for travelers who want premium perks, top-tier rewards, and an accelerated path to airline status. While it carries a $395 annual fee, its long list of benefits can more than offset that cost. To kick things off, new cardholders earn 100,000 bonus points and a 25,000-point Global Companion Award after spending $6,500 or more on purchases within the first 90 days of opening your account. Additionally, receive a 50% flight discount code for a qualifying future flight after opening your account. Plus, each account anniversary, get a 25,000-point Global Companion Award for a travel companion on the same itinerary, when booking travel using your Atmos™ Rewards points.

The perks keep coming with 8 Alaska Lounge passes and 8 Wi-Fi passes every year (2 of each per calendar quarter), a free checked bag and preferred boarding for you and up to 6 guests traveling on the same reservation when you purchase Alaska Airlines or Hawaiian Airlines airfare with your card, and you receive an airport security credit up to $120 every four years in connection with the TSA PreCheck® or Global Entry trusted traveler programs. You’ll also receive a $50 voucher for Alaska Airlines flight cancellations or departure delays of 2 hours+.

Rewards are generous and simple: earn 3 points for every $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases and unlimited 1 point for every $1 spent on all other purchases. Having no foreign transaction fees is a great perk, but this card goes the extra mile by actually rewarding you for eligible foreign transactions. Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account. On top of all this, get 10,000 status points every year on your account anniversary and earn 1 status point for every $2 spent on purchases. For frequent travelers who value premium experiences, the Atmos™ Rewards Summit Visa Infinite® credit card delivers exceptional rewards and benefits that far outweigh its annual fee.

Pros & Cons

Pros

  • Cardholders can earn a massive welcome offer
  • Free checked bag on Alaska Airlines and Hawaiian Airlines, plus 8 Alaska Lounge passes each year
  • Earn elevated points for eligible foreign transactions and pay no foreign transaction fee

Cons

  • Alaska Airlines and Hawaiin Airlines primarily serve the West Coast
  • There is a balance transfer fee of 5% of the amount of each transaction

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