Atmos Rewards Summit Visa Infinite Credit Card
bank of america
4.3 / 5
- Welcome
- 70,000 points
- Annual fee
- $395
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Bank of America · atmos rewards
Atmos Rewards Visa Signature Business Card
3.9 / 5
Atmos Rewards points · Business card
A low-cost business card for companies that fly Alaska or Hawaiian, with a free checked bag for up to seven people and an annual Companion Fare that can cover the fee. Points are Atmos Rewards miles, so the value is tied to one airline group.
At a glance
- Welcome bonus
- 70,000 points
- Spend $4,000 in 3 months
- Annual fee
- $95
- Year-one and ongoing
- Purchase APR
- 19.49% to 27.49%
- No intro APR
- FX fee
- None
Editorial
Our take
A low-cost business card for companies that fly Alaska or Hawaiian, with a free checked bag for up to seven people and an annual Companion Fare that can cover the fee. Points are Atmos Rewards miles, so the value is tied to one airline group.
Verdict
Pros & cons
Pros
- Free checked bag extends to up to six travel companions on the same reservation
- Annual Companion Fare from $122 after $6,000 in yearly spend
- No foreign transaction fees
- Employee cards cost $25 each and carry the same airline perks
Cons
- Annual fee is charged as $70 for the company plus $25 per card, so cost rises with each employee card
- Points are only useful for Alaska Airlines and Hawaiian Airlines award travel and their partners
- Purchase APR starts at 19.49% with no introductory rate
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. |
| Gas, EV charging, shipping & local transit | 2x points | Includes service stations, fuel dispensers, EV charging, couriers and motor freight, commuter transit, rail, taxis, rideshare, bus, tolls. |
| 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
Free checked bag for up to seven
The cardholder and up to six guests on the same reservation each get a free checked bag on Alaska- and Hawaiian-marketed flights when the airfare is paid with the card.
Annual Companion Fare
After $6,000 or more in net purchases post during a card anniversary year, the account receives a Companion Fare code from $122 ($99 base fare plus taxes and fees from $23).
Preferred boarding
Cardholders and up to six guests on the same reservation board before general boarding on Alaska- and Hawaiian-marketed flights.
20% inflight rebate
20% statement credit on Alaska Airlines onboard food, beverage and Wi-Fi purchases and Hawaiian Airlines onboard food and beverage purchases made with the card.
No foreign transaction fees
International transactions carry no added fee.
Fit
Who this is best for
- Small businesses based in Alaska or Hawaiian hub cities
- Companies with recurring gas and shipping spend
- Owners who want cheap employee cards with airline perks
FAQ
Frequently asked questions
What is the Atmos Business welcome bonus?
Limited-time online offer: 70,000 bonus points + $99 Companion Fare (plus taxes and fees from $23). Eligible company level Business Card accounts that make any combination of Net Purchases totaling at least $4,000 (exclusive of any fees, including the annual fee, returns and adjustments) that post to the account within 90 days of the account open date will qualify for 70,000 bonus points and a round-trip Saver or Main Cabin companion fare code within North America on Alaska Airlines or Hawaiian Airlines from $122 (USD) ($99 base fare plus taxes and fees from $23 depending on your Alaska Airlines or Hawaiian Airlines flight itinerary).
Does the Atmos Business charge an annual fee?
Yes. The annual fee is $95 every year.
Does the Atmos Business have a foreign transaction fee?
No. The Atmos Business charges no foreign transaction fee, so it works well for international purchases.
What APR does the Atmos Business charge?
The purchase APR is 19.49% to 27.49% variable.
Who is the Atmos Business best for?
Small businesses based in Alaska or Hawaiian hub cities. Companies with recurring gas and shipping spend. Owners who want cheap employee cards with airline perks.
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Apply
Atmos Rewards Visa Signature Business Card
Spend $4,000 in 3 months
Rates accurate as of October 6, 2026. Issuer terms.