Atmos Rewards Summit Visa Infinite Card

Earning Rates

Key Benefits

All Benefits

• Current public welcome offer: earn 100,000 bonus Atmos Rewards points after spending $6,000 on purchases in the first 90 days from account opening; Atmos Rewards points are valued by The Points Guy at approximately 1.6 cents each post Alaska + Hawaiian merger, making the 100K signup bonus worth roughly $1,600 in award travel (per Alaska Airlines news release August 20 2025 announcing the Atmos Rewards Summit Visa Infinite and One Mile at a Time Atmos Rewards Summit review)
• $395 annual fee, not waived in the first year (per Alaska Airlines news release Atmos Rewards Summit Visa Infinite product details and OMAAT review)
• Earn 3 Atmos Rewards points per $1 on Alaska Airlines and Hawaiian Airlines direct purchases, including airfare, in-flight food, drinks, and Wi-Fi, baggage fees, and seat upgrades booked directly with Alaska or Hawaiian (per Alaska Airlines news release and OMAAT Atmos Rewards Summit review)
• Earn 3 Atmos Rewards points per $1 on eligible Atmos Rewards airline partner purchases booked directly with the partner, covering the full Oneworld network and Atmos's non-Oneworld partners (per Alaska Airlines news release noting 3X on partner airline purchases booked direct)
• Earn 3 Atmos Rewards points per $1 on dining purchases worldwide, including restaurants, cafes, takeout, and eligible food delivery services, with no foreign country or domestic restriction (per Alaska Airlines news release Atmos Rewards Summit earn rates and OMAAT review)
• Earn 3 Atmos Rewards points per $1 on all foreign purchases (any purchase processed in a foreign currency or outside the United States), an industry-first co-brand airline card earn rate on international spending across all categories per The Points Guy and OMAAT coverage (per Alaska Airlines news release and OMAAT Atmos Rewards Summit review)
• Earn 1 Atmos Rewards point per $1 on all other purchases not covered by the 3X bonus categories (per Alaska Airlines news release and OMAAT review)
• Bank of America Preferred Rewards relationship bonus: cardholders who hold an eligible Bank of America consumer checking or savings account receive a 10% bonus on all base points earned on the Summit card, stacking with the bonus categories above; no enrollment beyond holding the eligible deposit account is required (per Alaska Airlines news release 10% Preferred Rewards bonus segment and OMAAT review)
• Free first checked bag on Alaska Airlines and Hawaiian Airlines operated flights for the primary cardholder plus up to six additional companions on the same reservation when the airfare is purchased with the card, identical posture to the Atmos Rewards Ascent benefit; with standard checked bag fees of $35 to $40 per direction, this can be worth several hundred dollars per roundtrip on a full reservation (per Alaska Airlines news release free first checked bag for cardholder plus six segment and OMAAT review)
• $100 statement credit toward a Global Entry, TSA PreCheck, or NEXUS application or renewal fee, refreshing every 4 years (the standard Bank of America cadence on Visa Infinite cards, aligned with the 4 to 5 year fee cycle of these trusted traveler programs) (per Alaska Airlines news release Global Entry / TSA PreCheck credit and OMAAT review)
• Annual Companion Fare benefits: the Summit retains a Companion Fare benefit each anniversary year (and the news release also previews a new Global Companion Award redeemable in any class of service as a separate Summit-exclusive perk; specific qualification thresholds and the Global Companion Award terms are issuer-set and detailed on the Alaska Airlines Summit product page) (per Alaska Airlines news release Our most generous card ever segment and OMAAT Summit review)
• Alaska Lounge access: complimentary access to Alaska Lounges for the primary cardholder on the day of an Alaska Airlines, Hawaiian Airlines, or Oneworld partner same-day boarding pass, plus guesting privileges as outlined in the Alaska Lounge access policy (per Alaska Airlines news release access to Alaska Lounges segment for the Atmos Rewards Summit and OMAAT review)
• 20% back as a statement credit on Alaska Airlines and Hawaiian Airlines in-flight purchases (food, beverages, Wi-Fi) when paid with the card, the same benefit that exists on the Ascent product and carried forward on the Summit (per Alaska Airlines news release and OMAAT Summit review)
• Preferred boarding on Alaska Airlines and Hawaiian Airlines operated flights for the cardholder plus up to six additional guests on the same reservation when the airfare is purchased with the card (per Alaska Airlines news release and OMAAT Summit review)
• Atmos Rewards status earning with spend: earn 1 elite-qualifying status point for every $2 in eligible purchases on the Summit card, with no annual cap, contributing toward Atmos Rewards Premier through Titanium elite tiers (50% faster status earning than the Atmos Rewards Ascent which earns at 1 status point per $3 spent) (per Alaska Airlines news release 1 status point per $2 segment and OMAAT review)
• Atmos Rewards points redemption flexibility: book award flights on Alaska Airlines, Hawaiian Airlines, and the full Oneworld partner network (American Airlines, British Airways, Cathay Pacific, Fiji Airways, Finnair, Iberia, Japan Airlines, Malaysia Airlines, Qantas, Qatar Airways, Royal Air Maroc, Royal Jordanian, S7 Airlines, SriLankan Airlines), with TPG and OMAAT valuing Atmos Rewards points at approximately 1.6 cents each post merger and highlighting Cathay Pacific or Japan Airlines business class from the U.S. to Asia from 75,000 points one-way (per TPG Atmos Rewards guide and OMAAT Summit review)
• 1:1 transfer partners into Atmos Rewards: Bilt Rewards transfers to Atmos Rewards at 1:1 (Bilt's 3x rent earning up to $50,000 per calendar year becomes Atmos points); outbound Atmos transfers go 1:1 to hotel partners including Marriott Bonvoy, Wyndham Rewards, IHG One Rewards, and Preferred Hotels (per TPG Atmos Rewards program guide)
• Atmos Rewards short-haul value: economy award flights on Alaska or Hawaiian start at 4,500 Atmos Rewards points one-way for flights up to 700 miles, making the points efficient for short West Coast hops in addition to high-value Oneworld premium-cabin redemptions (per TPG Atmos Rewards overview)
• No foreign transaction fees on any purchases made outside the United States or in a foreign currency (per Alaska Airlines news release no foreign transaction fees segment and OMAAT review)
• Visa Infinite card network: this is a Visa Infinite card (not Visa Signature), meaning the higher-tier Visa Infinite network benefits apply via the Bank of America Guide to Benefits, including the Visa Infinite Luxury Hotel Collection booking platform (third night free or fourth night free at participating hotels plus complimentary breakfast, room upgrades when available, $25 food or beverage credit, and early check-in / late check-out) (per Alaska Airlines news release Atmos Rewards Summit Visa Infinite product title and Visa Infinite network reference)
• Visa Infinite travel and emergency assistance services: 24/7 access to medical, legal, and travel referral assistance as a Visa Infinite network benefit; cardholder pays for actual goods and services obtained (per Visa Infinite network reference)
• Visa Infinite roadside dispatch: pay-per-use roadside assistance with no membership required, included as a Visa Infinite network benefit (per Visa Infinite network reference)
• Auto rental collision damage waiver (CDW): Visa Infinite cards carry primary auto rental CDW as the network default when the entire rental is charged to the card and the rental company's CDW is declined, both domestically and abroad (per Visa Infinite network reference; specific limits per the Bank of America Guide to Benefits for the Atmos Rewards Summit Visa Infinite)
• Trip cancellation and trip interruption insurance: provided as a Visa Infinite network benefit on the Summit card (Visa Infinite includes mandatory trip cancellation and interruption coverage that is not required on Visa Signature cards; specific reimbursement limits per the Bank of America Guide to Benefits for the Atmos Rewards Summit)
• Atmos Rewards points have no expiration on this account as long as the account remains open and in good standing, consistent with the Atmos Rewards program rules carried over from the legacy Alaska Mileage Plan (per OMAAT Summit review)
• Authorized users may be added (refer to the Bank of America Atmos Rewards Summit card terms for any authorized user fee); authorized users on the account also receive the free checked bag and preferred boarding benefits on tickets they pay for with the card, mirroring the Ascent benefit posture (per OMAAT Atmos Rewards Summit review)
• Bank of America 2/3/4 application rule applies: most applicants will be limited to one new Bank of America personal credit card in a 2-month rolling window, two Bank of America personal cards in a 12-month window, and four Bank of America personal cards in a 24-month window (per OMAAT review)
• Complimentary Priority Pass airport lounge membership: Not offered as an advertised cardholder benefit on the Atmos Rewards Summit Visa Infinite; the Summit's lounge access is via complimentary Alaska Lounge access rather than a Priority Pass membership, and Bank of America has not announced a Priority Pass enrollment on this card per the Alaska Airlines news release and OMAAT review
• Hotel elite status (no automatic hotel status): Not offered (the Summit does not grant complimentary IHG, Hilton, or Marriott elite status; status credit is limited to the Atmos Rewards / Alaska + Hawaiian airline program via the 1 status point per $2 spent benefit, per Alaska Airlines news release and OMAAT review)
• Broad airline fee credit (incidentals): Not offered (unlike the Amex Platinum or Capital One Venture X, the Summit does not provide a flat $200 or $300 annual airline incidental statement credit or general travel credit beyond the cobrand-specific benefits like free checked bag, 20% in-flight credit, and Companion Fare; per Alaska Airlines news release and OMAAT review)
• Hotel statement credit (e.g. The Hotel Collection / Fine Hotels & Resorts credit): Not offered as a recurring statement credit on the Summit (the Visa Infinite Luxury Hotel Collection booking benefits apply, but there is no $100, $200, or $300 annual hotel statement credit attached to the card per Alaska Airlines news release and OMAAT review)
• Centurion Lounge or Capital One Lounge access: Not offered (the Summit is a Visa Infinite product on the Bank of America platform; American Express Centurion Lounges and Capital One Lounges are not accessible via this card per OMAAT review)
• Automatic complimentary Atmos Rewards or Oneworld elite status: Not offered (the Summit accelerates status earning at 1 EQP per $2 in spend but does not confer automatic Premier, MVP Gold, or Titanium status; status must be earned via flying and the spend-based accelerator per Alaska Airlines news release and OMAAT review)
• Cell phone protection: Not offered as an advertised Atmos Rewards Summit benefit; Bank of America offers cell phone protection on its proprietary Customized Cash Rewards / Unlimited Cash Rewards / Premium Rewards line but has not extended it to the Alaska Atmos cobrand line per OMAAT Summit review
• Purchase protection and extended warranty: Not advertised as Atmos Rewards Summit cardholder benefits beyond the issuer-optional Visa Infinite network baseline at Bank of America's discretion; the Alaska Airlines news release and OMAAT Summit review do not surface purchase protection or extended warranty as marketed benefits on this card