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 No foreign transaction fees |
| Network | Visa |
About this card
The Atmos™ Rewards Summit Visa Infinite® Credit Card receives an overall rating of 2.7 out of 5.0. This assessment considers the card's strengths in rewards and reputation against its significant weaknesses in APR and fees. The robust rewards program, especially for Alaska and Hawaiian Airlines travelers, is a key positive. The reputation is also solid, supported by positive reviews and the backing of Bank of America. However, the high APR range (19.49% - 27.49% variable) offsets the rewards and hurts the card's overall value, particularly for those who carry a balance. The annual fee of $395 is also a substantial drawback. While perks like lounge access and travel credits attempt to justify the fee, the high cost remains a barrier. Ultimately, the card's value depends heavily on the user's ability to maximize the travel rewards and avoid carrying a balance. The target audience is therefore limited to frequent flyers who can leverage the specific airline benefits, making it a niche offering rather than a broadly appealing card.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Luxury perks
- Lounge membership
Things to consider
- High annual fee
- High regular APR
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.
- Earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
Other features
- Receive a 25,000 point Global Companion Award on every account anniversary.
- Plus, receive a 100,000 point Global Companion Award annually after spending $60,000 or more on purchases that year.
- 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+.
- 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.
- Enjoy benefits at premium hotels, including late checkouts, free breakfast daily for two, automatic upgrades and more. (some benefits based on availability)
- Get VIP amenities, complimentary status upgrades and discounts with Avis®, Hertz® and National®.
- Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delay, lost luggage reimbursement, roadside assistance, and emergency evacuation and transportation.
- 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.
- 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.
- Opt for paperless credit card statements and increase account security while reducing paper consumption.
- 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.
- 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.
- 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.
- 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.
Additional Notes
This online only offer may not be available elsewhere if you leave this page.