Atmos™ Rewards Summit Visa Infinite® credit card
Atmos™ Rewards Summit Visa Infinite® credit card
Annual fee: $395
Current welcome offer
Earn 100,000 bonus points and a 25,000-point Global Companion Award after spending $6,500 or more on purchases within the first 90 days of opening your account. Plus, receive a 50% flight discount code for a qualifying future flight after opening your new account.
My Take
This is the premium card in the Atmos Rewards family, and it earns that designation. At $395 a year it is priced $200 below what American, Delta, and United charge for their top-tier airline cards — and it delivers benefits that genuinely compete.
The headline benefit is the annual 25,000-point Global Companion Award. Every year on your account anniversary you receive this award automatically, which reduces the points cost of a companion ticket by 25,000 points. If you fly with a partner or spouse regularly — which we do — this alone can offset a significant portion of the annual fee. Spend $60,000 in an anniversary year and that award grows to 100,000 points, which is enough to cover a companion’s long-haul flight entirely.
The Alaska Lounge passes are another standout — 8 per year, issued 2 per quarter, and each pass covers one adult plus up to two children under 21 for free. For some families that could be a meaningful perk.
But here is what I want every reader to understand about this card: even if you have never flown Alaska Airlines or Hawaiian Airlines, Atmos Rewards points are worth holding. The oneworld alliance partnerships are exceptional. We used Atmos miles to book Japan Airlines flights from Tokyo to JFK, and the program also books American Airlines, Cathay Pacific, British Airways, Qantas, and more.
The $120 Global Entry or TSA PreCheck credit every four years, the waived partner award fees, and the fast track to elite status round out what is genuinely one of the most underrated premium travel cards available right now.
Before applying, keep in mind that Bank of America typically limits approvals to no more than 2 of their credit cards in 2 months, 3 in 12 months, and 4 in 24 months. There is also a rule based on how many new cards you have opened across all banks in the past 12 months — if you have a Bank of America deposit account, that limit is 7 new cards in 12 months, but if you do not have a deposit account with them, the limit drops to just 3 new cards in 12 months. Given the $395 annual fee on this card, it is worth taking a few minutes to make sure you are well within those thresholds before applying.
How to Earn Rewards
Benefits
- Annual 25,000-point Global Companion Award
- 8 Alaska Lounge passes per year (2 per quarter)
- 8 inflight Wi-Fi passes per year (2 per quarter)
- First checked bag free for cardholder + up to 6 guests
- $120 Global Entry or TSA PreCheck credit every 4 years
- 10,000 bonus status points every anniversary
- Waived partner award booking fees
- Free points sharing with up to 10 members
- $50 instant travel delay credit
- No foreign transaction fees
Is This Card Right For You?
✓ Best for
Frequent Alaska Airlines and Hawaiian Airlines flyers
Couples and families who travel together and can maximize companion awards
Points collectors chasing Atmos Rewards elite status
Travelers who want oneworld alliance award space at a lower annual fee than legacy carrier premium cards
✗ Not ideal for
Travelers who rarely fly Alaska Airlines, Hawaiian Airlines, or oneworld partners
Those who need broader flexible lounge access beyond Alaska Lounges
Cardholders who won't maximize the companion award or lounge passes
Is This Card Worth It For You?
Enter how much of each benefit you’ll realistically use to see your personal value.
Offer History
Previous offer: 80,000 bonus points + 25,000-point Global Companion Award after $4,000 spend in 90 days (no longer available)
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