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Atmos Rewards Summit Visa Infinite Card vs Bank of America Premium Rewards
Both are travel travel cards. The Atmos Rewards Summit Visa Infinite Card comes from Bank of America at $395/yr; the Bank of America Premium Rewards from Bank of America at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
Both cards come from Bank of America and target travel spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Atmos Rewards Summit Visa Infinite Card costs $300 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | Atmos Rewards Summit Visa Infinite Card | Bank of America Premium Rewards |
|---|---|---|
| Annual fee | $395 | $95 |
| Sign-up bonus | Not advertised | Not advertised |
| Bonus value (est.) | - | - |
| Min spend to unlock bonus | - | - |
| Issuer | Bank of America | Bank of America |
| Card category | travel | travel |
| Best earning category (Airline) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Atmos Rewards Summit Visa Infinite Card
$395/yr ·
Read the full review
Bank of America Premium Rewards
$95/yr ·
Editorial take: Bank of America Premium Rewards
Only a standout if you're a BoA Preferred Rewards member, that boost can push earnings to 2.625x on everything, 3.5x on travel and dining. Without it, Venture and Sapphire both beat it.
Common questions
- Which card has the bigger sign-up bonus, Atmos Rewards Summit Visa Infinite Card or Bank of America Premium Rewards?
- Neither card has a publicly advertised sign-up bonus today. Watch for limited-time offers from each issuer.
- Is the Atmos Rewards Summit Visa Infinite Card's $395 annual fee worth it compared to the Bank of America Premium Rewards?
- 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 Bank of America Premium Rewards's, pick the one whose perks you'll actually use.
- Can I have both the Atmos Rewards Summit Visa Infinite Card and Bank of America Premium Rewards?
- Yes, though both are issued by Bank of America so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 Bank of America Premium Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Atmos Rewards Summit Visa Infinite Card: no published min spend. Bank of America Premium Rewards: no published min spend. 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.