Bank of America
Atmos™ Rewards Summit Visa Infinite® Credit Card
Key Features
| Annual Fee | $395.00 |
| Intro APR | None |
| Regular APR | Standard APR 19.49% - 27.49% variable |
| Other Fees | Balance Transfer Fee 4% of each transaction |
| Network | Visa |
About this card
The Atmos™ Rewards Summit Visa Infinite® Card is a mixed bag, largely due to the contrast between its enticing rewards program and its high fees and reported issues with the issuer, Bank of America. Its strengths lie in its generous sign-up bonus, high rewards rate on specific categories (dining, foreign transactions, and eligible airline purchases), and travel perks such as lounge access and companion awards. These benefits are particularly valuable for frequent travelers on Alaska or Hawaiian Airlines. However, the card's weaknesses are considerable. The $395 annual fee is a major hurdle, and the APR range of 19.49% - 27.49% is relatively high. Furthermore, user reviews frequently mention poor customer service and low credit limits from Bank of America, diminishing the overall value proposition. Weighing the pros and cons, the card is best suited for a specific niche of travelers who can maximize the rewards and perks to offset the high annual fee and who are prepared to potentially deal with Bank of America's shortcomings. Therefore, I give it a rating of 2.8 out of 5.0.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Lounge membership
- Luxury perks
- Transfer partners
Things to consider
- High annual fee
- High regular APR
- High balance transfer fee
- Requires good or excellent credit
What this card offers
Sign-up bonuses
- Limited time online offer: 80,000 bonus points and a 25,000 point Global Companion Award
- Earn 80,000 bonus points and a 25,000 point Global Companion Award. To qualify, spend $4,000 or more on purchases within the first 90 days of opening your account.
Rewards
- Earn 3 points for every $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases.
- Earn 1 point for every $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.
Other features
- no foreign transaction fees
- Share your accumulated points with up to ten additional Atmos™ Rewards members and redeem points with no blackout dates on Alaska Airlines, Hawaiian Airlines, or our network of airline partners. Points don't expire on active accounts.
- Enjoy waived fees for same-day confirmed Alaska flight changes – a savings of up to $75 per change.
- Free checked bag and preferred boarding for you and up to 6 guests on the same reservation when you pay for your Alaska Airlines or Hawaiian Airlines flight with your card.
- Boost your Atmos™ Rewards membership status with 10,000 status points on your account anniversary each year.
- Receive 8 Alaska Lounge passes every calendar year (2 per quarter).
- Receive up to a $120 Airport Security Statement Credit every four years in connecton with TSA PreCheck® or Global Entry truster traveler programs.
- Receive a $50 Instant Travel Delay Credit for flight cancellations or departure delays of 2 hours+.
- Redeem points on a Global Companion Award with no blackout dates with Alaska Airlines, Hawaiian Airlines or our network of airline partners. Additionally, redemption fees are waived when booking travel on Alaska Airlines' network of airline partners.
- With oneworld®Alliance member airlines and Alaska's global partners, you can earn and redeem points to over 1,000 destinations worldwide.
- Dedicated Concierge Open the door to unique experiences, find tickets to top sports and entertainment events, make dinner reservations and more with complimentary Atmos Rewards Visa Infinite® Concierge service.
- Visa Infinite Luxury Hotel Collection Enjoy benefits at premium hotels, including late checkouts, free breakfast daily for two, automatic upgrades and more. (some benefits based on availability)
- Visa Infinite Car Rental Benefits Get VIP amenities, complimentary status upgrades and discounts with Avis®, Hertz® and National®.
- Travel Protections Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delay, lost luggage reimbursement, roadside assistance, and emergency evacuation and transportation.
- Stay Protected We block potential fraud if abnormal patterns are detected and let you know if we suspect fraudulent activity. Plus, you always get a $0 Liability Guarantee for fraudulent transactions.
- Balance Connect® for overdraft protection An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America® checking account to your credit card. No transfer fees. Other fees may apply.
- Paperless Statement Option Opt for paperless credit card statements and increase account security while reducing paper consumption.
- Digital Wallet Technology Discover more ways to pay by adding your Bank of America® credit card to your mobile device then shop in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay.
- Online & Mobile Banking Access to our award-winning Online and Mobile Banking. Bank on the go from almost anywhere quickly and securely. Pay your credit card bill online, transfer funds, check available credit and more.
- Account Alerts Stay on top of your balances and due dates. Choose from several types of customer email or text alerts and let your phone tell you when payments are due and paid.
Additional Notes
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. You can also call 800.932.2775 Priority code: LAABYS