Atmos Rewards Summit Visa Infinite Credit Card

Atmos Rewards Summit Visa Infinite

Last Updated: 02/27/2026

Rating
3.3 / 5
Sign Up Bonus
80,000 Points
Annual Fee
$395
Credit Score
Good

Summary

Sign-Up Bonus
4
Spending Multipliers
2
Credits & Features
2
Fees
3
Application
5
Issuer
4

The Bank of America Atmos Rewards Summit credit card is a high-tier travel card designed for frequent flyers of Alaska Airlines who want to maximize elite perks, travel protections, and rewards. Cardholders earn 25,000 annual Global Companion Award points, 10,000 Atmos Rewards Membership Status points, eight annual Alaska Lounge passes, and receive a $120 Global Entry or TSA PreCheck credit every four years. Additional benefits include free checked bags and priority boarding for the cardholder and up to six guests, roadside assistance, and robust travel protections such as trip cancellation/interruption insurance, trip delay and baggage delay coverage, lost luggage reimbursement, and emergency evacuation and transportation. While the card carries an annual fee that is not waived in the first year, has a 1x catch-all category, and the Global Companion Award requires $60,000 in annual spend, it is ideal for U.S.-based travelers who fly Alaska Airlines frequently and want premium travel benefits combined with elite status rewards.

Pros

Check mark
No foreign transaction fee

Cons

Negative sign
Annual fee not waived in the first year
Negative sign
Credits may not offset annual fee
Negative sign
Global Companion Award requires $60,000 in annual spend
Negative sign
1x catch all category

Issuer

Bank of America, founded in 1904 as Bank of Italy, has evolved into the second-largest US bank with a global presence in over 35 countries. Despite a disruptive history, including legal challenges related to risky mortgage loans, the bank remains a leading global financial institution, offering a comprehensive range of products such as credit cards, checking, savings, loans, investments, and business services. While recently announcing a departure from subprime lending in mortgage and auto loans, Bank of America continues to provide credit cards for various credit profiles. However, to qualify for the most rewarding cards with optimal benefits, an excellent credit score is usually required. Nevertheless, Bank of America is prioritizing financial stability with over $3.4 trillion in total assets and $192 billion in annual revenue in 2025. In addition, Bank of America is committed to innovation, investing significantly in AI and technology. Aligned with a global CSR strategy, it aims to achieve net-zero greenhouse gas emissions by 2050. Operating approximately 3,900 financial centers, the bank provides accessibility through digital banking and physical locations, catering to a diverse customer base. Upholding a mission to improve financial lives, Bank of America values responsible growth, collaboration, and trust within its team, adhering to regulatory standards as an FDIC insured and equal housing lender.

Spending Multipliers

3x

Points on purchases with Alaska Airlines

3x

Points on restaurants

3x

Points on foreign transaction

1x

Points on all other purchases

Credits & Features

25,000 annual Global Companion Award Points
10,000 annual Atmos Rewards Membership Status Points
8 annual Alaska Lounge Passes
$120 credit for Global Entry or TSA PreCheck every 4 years
Free checked bag for you and up to 6 additional guests
Priority boarding for you and up to 6 additional guests
Roadside assistance
Trip cancellation/interruption insurance
Trip delay reimbursement
Baggage delay insurance
Lost luggage reimbursement
Emergency evacuation and transportation

Application

  • Ability to get some BoA cards without a SSN or credit history
  • BoA has a 2/3/4 role, meaning you can only be approved for 2 cards in 2 months, 3 cards in 12 months, and 4 cads in 24 months
  • You cannot get this card if you currently have or have had it in the past 24 months

Fees

  • $395 Annual Fee
  • No Foreign Transaction Fee
  • Up to $40 late fee
  • 19.49% - 27.49% Variable APR
  • 28.49% APR for Cash Advance
  • 5% of each cash advance transaction
  • 19.49% - 27.49% APR for Balance Transfer
  • 4% of each transfer amount
See Full and Updated Rate & Fee Schedule During Application Process