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Side-by-side
Atmos Rewards Summit Visa Infinite Card vs Capital One Spark Cash Select
Both are well-respected travel cards. The Atmos Rewards Summit Visa Infinite Card comes from Bank of America at $395/yr; the Capital One Spark Cash Select from Capital One at $95/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 Capital One Spark Cash Select, 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 | Capital One Spark Cash Select |
|---|---|---|
| Annual fee | $395 | $95 |
| Sign-up bonus | Not advertised | $1,000 cash bonus |
| Bonus value (est.) | - | - |
| Min spend to unlock bonus | - | $10,000 in 3 mo |
| Issuer | Bank of America | Capital One |
| Card category | travel | business |
| 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
Capital One Spark Cash Select
$95/yr · $1,000 cash bonus
Editorial take: Capital One Spark Cash Select
Common questions
- Which card has the bigger sign-up bonus, Atmos Rewards Summit Visa Infinite Card or Capital One Spark Cash Select?
- 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 Capital One Spark Cash Select?
- 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 Capital One Spark Cash Select's, pick the one whose perks you'll actually use.
- Can I have both the Atmos Rewards Summit Visa Infinite Card and Capital One Spark Cash Select?
- Yes, since they're from different issuers (Bank of America and Capital One) the application rules don't conflict. 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 Capital One Spark Cash Select first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Atmos Rewards Summit Visa Infinite Card: no published min spend. Capital One Spark Cash Select: $10,000 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.