Atmos Rewards Summit Visa Infinite Card
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferBenefits and fees last verified May 2026against the issuer's published terms.
Earning Rates
Important considerations
- Annual fee to offset
This card carries a $395 annual fee. Make sure the credits and bonus categories you will actually use are worth more than that every year.
Based on this card's terms last verified May 2026.
Earning rates
7- 3xflights
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)
- 3xflights
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)
- 3xdining
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)
- 3xflights
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)
- 3xflights
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)
- flights
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)
- 3xlodging
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)
Statement credits
4- $25Global Entry / TSA PreCheck CreditYearly
$100 statement credit toward Global Entry, TSA PreCheck, or NEXUS application/renewal, refreshing every 4 years (amortized $25/yr)
- $100$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)
- 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)
- $25Visa Infinite card network
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)
Perks & memberships
6- Airline perkFree 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)
- Airline perkAnnual 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)
- Lounge accessAlaska 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)
- Airline perkPreferred 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)
- No foreign feesNo 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)
- Airline perkAuthorized 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)
Travel & purchase protections
4- 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)
More benefits & fine print (4)ShowHide
- 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)
- 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)
- 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)
- 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)
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
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