Bank of America
Atmos™ Rewards Summit Visa Infinite® Credit Card
Key Features
| Annual Fee | $395.00 |
| Sign-up Bonus | 80,000 points + 25,000 Companion Award |
| Rewards Rate | 1x-3x points on purchases |
| 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 2.8 out of 5.0, placing it in the 'Fair' category. This card presents a stark dichotomy: it is exceptionally strong in its rewards and travel benefits for a specific niche, but severely hampered by its high fees and uncompetitive APR for a broader audience.The rewards program (rated 4.8/5.0) is truly outstanding for frequent travelers loyal to Alaska and Hawaiian Airlines, offering high earning rates, an incredibly generous sign-up bonus, and valuable annual perks like companion awards, lounge passes, and travel credits. The comprehensive travel insurance and other luxury benefits further enhance its appeal within this specific segment. The card also benefits from a strong reputation (4.2/5.0) within its niche and the backing of Bank of America, alongside the crucial benefit of no foreign transaction fees.However, these significant strengths are heavily offset by equally significant weaknesses. The annual fee of $395 is very high, requiring consistent and extensive utilization of its specialized benefits to justify. Even more problematic are the very high regular APR (1.5/5.0), ranging from 19.49% to 27.49% variable with no introductory offer, which makes carrying a balance extremely costly and quickly negates any rewards earned. Furthermore, the 5% balance transfer fee (contributing to a fees rating of 1.8/5.0) is excessively punitive and well above industry standards.Ultimately, the card's value proposition is exceptional only for a very narrow demographic of consumers: those with excellent credit who are loyal to Alaska/Hawaiian Airlines, can maximize every travel benefit, and consistently pay their balance in full. For anyone outside this specific niche, the prohibitive annual fee, high APR, and exorbitant balance transfer fee make it a poor choice. Despite its stellar rewards for a select few, the notable limitations in fees and APR significantly detract from its overall appeal and usability for the majority of consumers, resulting in a 'Fair' overall assessment.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on specific categories
- No foreign transaction fees
- Lounge membership
- Luxury travel perks and benefits
- Comprehensive travel insurance
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: 80,000 bonus points
- Earn 80,000 bonus points and a 25,000-point Global Companion Award after spending $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 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.
- 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.
Additional Notes
You can also call 800.932.2775 Priority code: UW0276