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Bank of America · atmos rewards

Atmos Rewards Summit Visa Infinite Credit Card

4.3 / 5

Atmos Rewards points · Personal card

The premium Atmos card pairs 3 points per $1 on dining and all foreign spending with eight Alaska Lounge passes and a companion award worth up to 25,000 points each year. At $395 it needs regular Alaska or Hawaiian flying, and the lounge benefit is passes rather than a membership.

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At a glance

Welcome bonus: 70,000 points; Spend $3,000 in 3 months
Annual fee: $395; Year-one and ongoing
Purchase APR: 19.74% to 27.74%; No intro APR
FX fee: None

Editorial

Our take

Verdict

Pros & cons

Pros

3 points per $1 on all foreign purchases with no foreign transaction fee
Anniversary companion award worth up to 25,000 points, plus a 100,000-point award at $60,000 annual spend
Eight Alaska Lounge passes and eight inflight Wi-Fi passes each year
Status points accrue at 1 per $2 plus 10,000 each anniversary

Cons

$395 annual fee with no statement credits that offset it directly
Lounge access is eight single-day passes, not a membership or Priority Pass
Points cannot be transferred to other loyalty programs

Earnings

Earn rates

Category	Rate	Notes
Alaska & Hawaiian Airlines purchases	3x points	Must be booked directly with Alaska or Hawaiian. Third-party bookings earn 1 point per $1.
Dining	3x points	Caterers, eating places, restaurants, bars, cocktail lounges, nightclubs, taverns and fast food.
Purchases made outside the US	3x points	Purchases made in a foreign currency, or in US dollars where the transaction is made or processed outside the United States and US territories.
All other purchases	1x points
Atmos Rewards Dining restaurants	0.5x points	1 point per $2 spent through the Atmos Rewards Dining program, stacked on top of base earning.

Benefits

Key benefits

Anniversary Global 25K Companion Award

Each account anniversary the primary cardholder receives a companion award worth up to 25,000 Atmos Rewards points off a companion's award ticket on the same itinerary. A second award worth up to 100,000 points is earned after $60,000 of net purchases in a card anniversary year.

Alaska Lounge passes

Two Alaska Lounge passes are credited each calendar quarter, eight per year. Passes are valid only at Alaska Lounges and expire at the end of the quarter they are issued.

Instant travel delay credit

A $50 voucher, valid 48 hours, is emailed automatically after a same-day Alaska-operated departure delay of two hours or more or a same-day cancellation, on travel booked directly with Alaska using the card.

Free checked bag and preferred boarding

The cardholder and up to six guests on the same reservation each get a free checked bag and board before general boarding on Alaska- and Hawaiian-marketed flights.

Fee waivers on Alaska travel

Free same-day confirmed changes on Alaska-operated flights, and no booking fee on partner award redemptions made with the cardholder's Atmos Rewards account.

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