Atmos Rewards Summit Card: Perks as Rare as They Are Valuable
The Bottom Line
5.0
It guarantees at least one companion fare annually. Add to that its uncommon bonus category of "foreign purchases," its low-hassle travel delay credit, and its multiple travel partners, and you have a card unlike most in its class.
Rates, fees and offers
Rates, fees and offers
Annual fee
$395
Rewards rate
1x-3x
Bonus offer
Earn 100,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $6,000 or more on purchases within the first 90 days of opening your account.
Ongoing APR
APR: 20.24%-28.24% Variable APR
Cash Advance APR: See Terms
Penalty APR: 29.99%, Variable
Balance transfer fee
4% of the amount of each transaction
Foreign transaction fee
None
More details from Bank of America
More details from Bank of America
- Limited-time online offer: 100,000 bonus points.
- Earn 100,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $6,000 or more on purchases within the first 90 days of opening your account.
- Annual 25,000-point Global Companion Award for a travel companion on the same itinerary, when booking travel using your Atmos™ Rewards points. Additionally, receive a 100,000-point Global Companion Award every year you spend $60,000 or more on purchases in that anniversary year.
- Receive 8 Alaska lounge passes each year (2 per calendar quarter).
- Earn unlimited 3 points for every $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases and unlimited 1 point per $1 spent on all other purchases. Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
- Fastest path to status: get 10,000 status points every year on your account anniversary and earn 1 status point for every $2 spent on purchases.
- Free checked bag on Alaska Airlines and Hawaiian Airlines and enjoy preferred boarding on Alaska Airlines, for you and up to 6 guests on the same reservation, when you pay for your flight with your card.
- Up to $120 Airport Security Credit every four years in connection with the TSA PreCheck® or Global Entry trusted traveler programs.
- Receive a $50 voucher for Alaska Airlines flight cancellations or departure delays of 2 hours+, and pay no change fee when you need to make a same-day change to your Alaska Airlines flight plans.
- Plus, no foreign transaction fees and a competitive $395 annual fee.
- This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Pros and Cons
Pros
Companion benefit
Free checked bag
Lounge access
Cons
Has annual fee
Rewards have limited flexibility
Detailed Review
At first glance, Alaska Airlines' $395-annual-fee Atmos™ Rewards Summit Visa Infinite® credit card may seem similar to other premium airline cards, with its lounge access, generous checked-bag benefit, and other now-familiar perks for its category.
But the card breaks away from its competitors thanks to a variety of innovative features, most notably a companion award benefit that's far more flexible and expansive than the one offered by its less-expensive sibling, the Atmos™ Rewards Ascent Visa Signature® credit card (formerly known as the Alaska Airlines Visa Signature® credit card).
And the unique perks don't stop there: The Atmos™ Rewards Summit Visa Infinite® credit card also features an automatic travel delay credit with few spending restrictions, not to mention a bonus category that's as potentially lucrative as it is rare: "foreign purchases." And unlike other airline cards that lately feel like expensive coupon books, this card features some highly useful credits that are fairly painless to snag.
For frequent Alaska (and Hawaiian) flyers, the card has a lot of valuable perks that justify its triple-digit annual fee.
In 2025, Alaska’s Mileage Plan and Hawaiian’s HawaiianMiles loyalty programs merged under a new name, Atmos Rewards. The rewards currency changed from miles to points, but the value of those points stayed the same. What were known as elite-qualifying miles (EQMs) are now called status points.
Atmos™ Rewards Summit Visa Infinite® credit card: Basics
Card type: Airline.
Annual fee: $395.
Welcome bonus: Earn 100,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $6,000 or more on purchases within the first 90 days of opening your account.
Rewards:
Earn 3 points for every $1 spent on eligible Alaska and Hawaiian airline purchases, dining, and foreign purchases.
Earn 1 point for every $1 spent on all other purchases.
Eligible Bank of America® account holders earn a 10% rewards bonus on all card purchases.
APR: The ongoing APR is 20.24%-28.24% Variable APR.
Foreign transaction fee: None.
Other benefits:
25,000-point Global Companion Award every anniversary. (More details below.)
20% in-flight discount.
Free checked bags.
Lounge passes.
How the two Atmos Rewards cards differ
The Atmos™ Rewards Summit Visa Infinite® credit card is the more expensive of Alaska Airlines' two consumer credit cards and, as such, offers more robust benefits. But its less costly sibling — the Atmos™ Rewards Ascent Visa Signature® credit card — isn't exactly a slouch when it comes to perks either.
Here's a look at what each card offers:
| Empty Table Header | Atmos™ Rewards Ascent Visa Signature® credit card | Atmos™ Rewards Summit Visa Infinite® credit card |
|---|---|---|
Annual fee | $95. | $395. |
Welcome bonus | Earn 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $4,000 or more on purchases within the first 120 days of opening your account. | Earn 100,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $6,000 or more on purchases within the first 90 days of opening your account. |
Rewards |
|
|
Companion award benefit | Companion Fare: Get a Companion Fare (good for Alaska economy flights) from $122 ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Terms apply. | Global Companion Award: Each year, cardholders receive one Global Companion Award of 25,000 points or less. Cardholders can get another Global Companion Award of 100,000 points or less by spending $60,000 in an anniversary year. This award is applied as a discount on the points price of a flight and may be redeemed for any service class on any flight in Alaska's full network, including eligible international partners. Terms apply. |
Other benefits |
|
|
Compare to Other Cards
Benefits and Perks
Global Companion Awards
With the Atmos™ Rewards Summit Visa Infinite® credit card, you can get at least one — and potentially two — Global Companion Awards per year, allowing you to fly a traveling companion for free.
Cardholders automatically receive a 25,000-point Global Companion Award every account anniversary. But you can earn another one worth up to 100,000 points by spending $60,000 in an anniversary year. Both awards are applied as a discount to the total points price of a flight and may be redeemed for any service class on any flight in Alaska’s network, including flights with Hawaiian Airlines, Oneworld Alliance members and other eligible international partners. That means you could put the award toward a more costly flight and use additional Atmos points to take care of the rest of the price.
The Global Companion Award differs from the well-known Companion Fare benefit on the less-expensive Atmos™ Rewards Ascent Visa Signature® credit card. While the 25,000-point Global Companion Award is an automatic benefit each year, the Companion Fare on the Ascent must be earned by spending $6,000 on the card within the prior anniversary year, and it can be used only on economy flights. To fly someone with the Companion Fare, you’ll still have to pay a flat $99 plus taxes and fees.
Welcome offer, plus interesting ongoing rewards
New cardholders can earn the following welcome bonus: Earn 100,000 bonus points and a 25,000-point Global Companion Award with this offer. To qualify, spend $6,000 or more on purchases within the first 90 days of opening your account.
Redemptions start at 4,500 for a one-way economy ticket, so the bonus could get you several free flights.
On top of that, the card features useful bonus categories beyond just flights with Alaska Airlines. You get a solid rate back on dining, plus the unique category of "foreign transactions," which is ideal for frequent international travelers and could cover a lot of spending ground.
» LEARN: How to redeem Alaska Airlines miles
Flight perks
The Atmos™ Rewards Summit Visa Infinite® credit card boasts a raft of perks meant to make travel more affordable and comfortable. Cardholders get:
Eight Alaska lounge passes per year (two per quarter). One pass grants lounge access to one adult and up to two children under 21.
Waived award ticket fees. Save up to $25 per person on every round-trip flight when using points to book with a partner airline.
Eight in-flight Wi-Fi vouchers per year. Vouchers will be issued to premium cardmembers until Starlink WiFi is installed on the entire Alaska fleet. Once all planes have Starlink, all Atmos Rewards members will receive free in-flight Wi-Fi.
Free checked bags. This perk applies to the cardholder and up to six guests on the same reservation on any Alaska and Hawaiian flight.
Travel credits
The card offers a $120 credit for TSA PreCheck or Global Entry application fees every four years, a fairly common perk among premium travel cards. Its $50 travel delay credit, on the other hand, is the first of its kind.
Cardholders will automatically receive a $50 voucher sent to their card if their flight is delayed more than two hours or cancelled within 24 hours of scheduled departure. The $50 voucher is only valid for 48 hours; any remaining amount will be forfeited. Cardholders who need to reschedule same-day flights receive waived change fees.
Access to transfer partners
With the Atmos™ Rewards Summit Visa Infinite® credit card, you’ll gain access to several hotel transfer partners. Points earned with the card transfer at the following ratios:
Marriott: 1:1.
IHG: 1:1.
Wyndham: 1:1
Preferred Hotels: 1:2.
Shangri-La: 8:1.
Fast track to status
Status within the Atmos Rewards loyalty program is easier to attain by holding the Atmos™ Rewards Summit Visa Infinite® credit card. Cardholders will receive 10,000 status points every account anniversary, plus 1 status point for every $2 spent on the card.
Drawbacks and Considerations
High annual fee
A $395 annual fee may be prohibitive for some travelers. Yes, you can make up for that fee by using the card’s perks and credits, but many of them aren’t automatic — you’ll need to remember to use them.
Limited footprint
Alaska mostly flies to cities on the West Coast, plus a handful of international destinations. (The same is true of Hawaiian Airlines.) The card's points are versatile and its Global Companion Award feature can still be useful, especially if you're willing to research and leverage the airline's various partners. But if Alaska doesn't service your local airport, it's worth thinking twice about how much work it might take to fully enjoy this card's lengthy list of perks.
How To Decide If It's Right For You
Frequent Alaska fliers will get the most benefit from the Atmos™ Rewards Summit Visa Infinite® credit card. For those who fly Alaska only occasionally, or who balk at a three-digit annual fee, you still have options. Consider instead the more affordable Atmos™ Rewards Ascent Visa Signature® credit card, or even a $0-annual-fee general travel card such as the Wells Fargo Autograph® Card.
With this card, miles can be redeemed in a variety of ways. Rewards have the most value when redeemed for travel in Capital One’s portal or transferred to one of Capital One’s hotel or airline partners. The card also comes with a $120 credit for TSA PreCheck or Global Entry.
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Methodology
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About the author
Jae Bratton
Lead Writer & Content Strategist
