Bank of America
Atmos Rewards Summit Visa Infinite Credit Card
Premium rewards card with 3 points on dining and travel, elevated Alaska Airlines benefits including free checked bags and lounge passes, and flexible redemption with no blackout dates.
Annual fee
$395
Top rate
3x dining & restaurants
Welcome bonus
80,000 points
Quick look
Alaska Airlines Premium Rewards
Free checked bags, lounge passes, and flexible point redemption
3.9
out of 5
Rewards
Fees
Welcome bonus
Perks
Value
Overall score is a weighted average: Rewards 20% · Fees 20% · Welcome bonus 20% · Perks 20% · Value 20%.
Ideal for
Frequent Alaska and Hawaiian Airlines flyers, especially those in the Pacific Northwest or Oneworld alliance partners, who value lounge access and annual companion awards.
The verdict
The Atmos Rewards Summit is a well-designed premium card that justifies its $395 fee for frequent Alaska and Hawaiian Airlines flyers. The card combines solid earning rates on dining and flights with genuinely valuable travel perks: an annual 25,000-point companion award, eight lounge passes per year, waived change fees, and free checked bags on Alaska and Hawaiian Airlines. The foreign transaction bonus and no foreign fees make it especially strong for international travelers.
That said, this card is narrowly targeted. If you fly Alaska/Hawaiian multiple times per year and value the perks, the economics work. If you fly the airline occasionally or prefer flexible transferable points, the fee is hard to justify. It ranks middle-of-the-pack on earning rates, so you're not paying for elite rewards—you're paying for an integrated benefits ecosystem.
Pros
- Annual 25,000-point companion award ($388-500 value) resets every year with no minimum spend trigger after the first year
- Eight Alaska Lounge passes annually—free lounge access without membership or premium airline status
- 3 points per $1 on dining and Alaska/Hawaiian flights, plus bonus on all foreign transactions
- No foreign transaction fees and $120 TSA PreCheck/Global Entry credit every four years
- Waived fees for same-day Alaska flight changes—saves up to $75 per change if the airline raises prices
Cons
- The $395 annual fee requires substantial spend and benefit utilization to break even for non-loyalists
- Free checked bags and priority boarding only work on Alaska and Hawaiian Airlines flights—absent on partners
- Earning rates rank middle-tier: 17th in dining, 27th in flights among all catalog cards
- Limited to eight lounge passes per year, while some competing premium cards include annual membership
- Points are airline-specific and less flexible than transferable premium card currencies
Reward rates
| Category | Rate | Details |
|---|---|---|
| Dining & restaurants | 3x | 3 points per $1 on eligible dining purchases |
| Flights | 3x | 3 points per $1 on Alaska Airlines and Hawaiian Airlines purchases |
| Everything else | 1x | 1 point per $1 on all other purchases |
The card's 3x on dining and flights is solid but ranks middle-of-the-pack across the catalog. Its real value emerges for Alaska/Hawaiian loyalists: the airline-specific earning combines with the generous companion award and lounge access to create a coherent benefits package. The foreign transaction bonus is a standout for international travelers.
Fees and APR
Does it pay for itself?
At $395, the fee is steep. You break even if you redeem the annual companion award (worth $388-500), use most of the eight lounge passes ($240-400 value), and claim the TSA credit ($30/year average). Frequent Alaska flyers who use all three easily surpass this threshold. Casual flyers may struggle to justify it. The card includes a 10% rewards bonus on Bank of America accounts, which adds modest value to regular spend.
Welcome bonus
Is it worth chasing?
The 80,000-point welcome bonus plus 25,000-point companion award is competitive for the tier. Atmos points typically value at 1.5–2 cents per point for cash redemption, making the welcome bonus worth $1,200-$3,200 alone. It's worth chasing if you're already an Alaska loyalist, but $4,000 in 3 months is a moderate spend requirement.
Other benefits
- Free checked bag and preferred boarding for you and up to 6 guests on the same reservation on Alaska Airlines and Hawaiian Airlines flights paid with this card
- 8 Alaska Lounge passes every calendar year (2 per quarter)
- Up to $120 Airport Security Statement Credit every four years for TSA PreCheck or Global Entry
- $50 Instant Travel Delay Credit for flight cancellations or departure delays of 2 hours or more
- Waived fees for same-day confirmed Alaska flight changes (savings up to $75 per change)
- 25,000-point Global Companion Award on every account anniversary
- 100,000-point Global Companion Award annually after spending $60,000 or more on purchases
- 10,000 status points on account anniversary each year to boost Atmos Rewards membership status
- 10% rewards bonus on all points earned from card purchases with eligible Bank of America account
- Visa Infinite Luxury Hotel Collection benefits including late checkouts and free breakfast
- Visa Infinite Car Rental Benefits with Avis, Hertz, and National
- Travel Insurance protections including trip delays, cancellations, baggage delay, and emergency evacuation
- Dedicated Concierge service
- No foreign transaction fees
- $0 Liability Guarantee for fraudulent transactions
Similar cards
If you prefer Delta and want a lower $350 annual fee with similar earning on flights and dining
For 4x dining and supermarket earning without airline-specific perks; strong for domestic travel with more transferable points
Frequently asked questions
How do I use the annual companion award?
The 25,000-point Global Companion Award (received on account anniversary, or 100,000 points after $60K annual spend) lets one companion fly free on Alaska/Hawaiian airlines—you pay only taxes and fees. The award resets every calendar year and doesn't require activation.
Does the card earn on American Airlines flights since Oneworld partners include AA?
No. The 3x earning on flights applies specifically to Alaska Airlines and Hawaiian Airlines purchases. You earn 1x on American Airlines and all other carriers. Atmos points do redeem well on American, but you won't earn the bonus rate.
What's the TSA PreCheck credit worth?
Up to $120 every four years—that's $30 per year on average. You can use it for TSA PreCheck ($85, five-year term) or Global Entry ($100, five-year term). It requires enrollment, so it only works if you actually apply.
Do the free checked bags work on partner airlines?
No. Free checked bags and priority boarding are limited to Alaska Airlines and Hawaiian Airlines flights paid with the card. They don't extend to partners or codeshare flights booked under other airline codes.
Is this card better than the Atmos Rewards Ascent card?
The Ascent ($89 annual fee) earns 3x on dining and travel with solid mid-tier benefits; the Summit ($395 fee) adds premium perks like lounge passes and larger companion awards. Choose Ascent if you fly Alaska occasionally and want lower fees. Choose Summit if you're a frequent Alaska flyer who will use the lounge passes and companion award.
Reviewed by YoungerFinance Editorial · Last updated August 10, 2026