Bank of America
Atmos Rewards Summit Visa Infinite Credit Card
Key Features
| Annual Fee | $395.00 |
| Sign-up Bonus | 125,000 points and 50% flight discount |
| Rewards Rate | 1x-3x Points |
| Intro APR | None |
| Regular APR | Standard APR 19.49% - 27.49% variable |
| Other Fees | Balance Transfer Fee 5% 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 0.0, which signifies 'Very Poor' and 'not recommended'. This rating is primarily driven by the critical finding from the reputation analysis that there is no evidence such a credit card product exists in the market. Regardless of any impressive hypothetical features or individual ratings for APR, rewards, or fees, a non-existent product cannot offer any value or benefits to a consumer. Therefore, it is impossible for a card that doesn't exist to perform in the market or serve its intended users. Hypothetically, if this card were real, it would present a compelling, albeit niche, offering for affluent, frequent travelers. Its hypothetical strengths include an exceptionally generous sign-up bonus (100,000 bonus points + 25,000-point Global Companion Award + 50% flight discount), very high rewards rates on specific travel and dining categories (3x points) with a potential 10% bonus, and a wealth of luxury travel perks such as annual companion awards, 8 Alaska Lounge passes, travel credits ($120 Airport Security, $50 Instant Travel Delay), free checked bags, preferred boarding, and comprehensive travel protections. The absence of foreign transaction fees is also a significant plus for a travel card. However, even hypothetically, it would have weaknesses: a high annual fee ($395), no introductory APR period, and notably high regular APRs (19.49% - 27.49%), along with a steep 5% balance transfer fee. These hypothetical drawbacks would make it costly for anyone carrying a balance. Nevertheless, for its *intended* target audience who pay in full and maximize the travel benefits, the hypothetical value proposition would be strong enough to potentially offset the fees and APR concerns. Ultimately, all these hypothetical considerations are rendered irrelevant by the fundamental fact that the card does not appear to be a real, publicly available financial product. For a credit card analyst, recommending or rating a non-existent product as anything other than 'Very Poor' would be misleading and irresponsible, as it cannot be acquired or utilized by consumers.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on specific categories
- No foreign transaction fees
- Luxury travel perks and concierge services
- Airline-specific benefits like free checked bags and lounge passes
- Annual companion award and status boost potential
Things to consider
- High annual fee
- No intro APR period
- High regular APR
- High balance transfer fee
What this card offers
Sign-up bonuses
- Limited-time online offer: 100,000 bonus points + a 50% flight discount code
- Earn 100,000 bonus points and a 25,000-point Global Companion Award after spending $6,500 or more on purchases within the first 90 days of opening your account. Additionally, receive a 50% flight discount code for a qualifying future flight after opening your account.
Rewards
- Earn 3 points for every $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases.
- Earn unlimited 1 point for every $1 spent on all other purchases.
- You can also 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.
- 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+.
- 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
- 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 offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.