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Side-by-side
Atmos Rewards Summit Visa Infinite Card vs Macy's American Express Card
Both are well-respected travel cards. The Atmos Rewards Summit Visa Infinite Card comes from Bank of America at $395/yr; the Macy's American Express Card from Department Stores National Bank 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 Macy's American Express 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 | Macy's American Express Card |
|---|---|---|
| Annual fee | $395 | $0 |
| Sign-up bonus | Not advertised | |
| Bonus value (est.) | - | - |
| Min spend to unlock bonus | - | - |
| Issuer | Bank of America | Department Stores National Bank |
| 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
Macy's American Express Card
$0/yr ·
Editorial take: Macy's American Express Card
Common questions
- Which card has the bigger sign-up bonus, Atmos Rewards Summit Visa Infinite Card or Macy's American Express Card?
- 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 Macy's American Express 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 Macy's American Express Card's, pick the one whose perks you'll actually use.
- Can I have both the Atmos Rewards Summit Visa Infinite Card and Macy's American Express Card?
- Yes, since they're from different issuers (Bank of America and Department Stores National Bank) 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 Macy's American Express 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. Macy's American Express Card: 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.