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Atmos Rewards Summit Visa Infinite Card vs Bank of America Unlimited Cash Rewards Credit Card
Both are well-respected travel cards. The Atmos Rewards Summit Visa Infinite Card comes from Bank of America at $395/yr; the Bank of America Unlimited Cash Rewards Credit Card from Bank of America at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
If you're not sure you'll use premium perks, start with the Bank of America Unlimited Cash Rewards Credit Card, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.
| Feature | Atmos Rewards Summit Visa Infinite Card | Bank of America Unlimited Cash Rewards Credit Card |
|---|---|---|
| Annual fee | $395 | $0 |
| Sign-up bonus | Not advertised | $200 cash rewards |
| Bonus value (est.) | - | $200 |
| Min spend to unlock bonus | - | $1,000 in 3 mo |
| Issuer | Bank of America | Bank of America |
| Card category | travel | cashback |
| 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 Unlimited Cash Rewards Credit Card
$0/yr · $200 cash rewards
Editorial take: Bank of America Unlimited Cash Rewards Credit Card
Common questions
- Which card has the bigger sign-up bonus, Atmos Rewards Summit Visa Infinite Card or Bank of America Unlimited Cash Rewards Credit Card?
- The Bank of America Unlimited Cash Rewards Credit Card has a public bonus ($200 cash rewards, worth roughly $200), while the Atmos Rewards Summit Visa Infinite Card doesn't advertise one right now.
- Is the Atmos Rewards Summit Visa Infinite Card's $395 annual fee worth it compared to the Bank of America Unlimited Cash Rewards Credit Card?
- 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 Unlimited Cash Rewards Credit Card'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 Unlimited Cash Rewards Credit Card?
- 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 Unlimited Cash Rewards Credit Card 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 Unlimited Cash Rewards Credit Card: $1,000 in 3 months. 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.