Updated: October 29, 2025
TL;DR
The Atmos™ Rewards Summit Visa Infinite® currently offers 80,000 Atmos points after $4,000 spend in 90 days plus a 25K Global Companion Award. With award pricing that starts from 4,500 points one-way on select domestic routes, that bonus can cover up to ~17 short-haul flights (availability varies). The card carries a $395 annual fee but packs premium perks, including 3x on all foreign transactions with no FTF, partner award fee waivers, lounge and Wi-Fi passes, elite status via spend, and more.
Limited-Time Welcome Offer
- Bonus: 80,000 Atmos points after $4,000 in purchases in the first 90 days
- Companion award: Global 25K Companion Award (discounts a companion’s award by up to 25,000 points on Alaska/Hawaiian/partner flights)
- Annual fee: $395
Companion award basics:
- Applies to a second passenger on the same award itinerary at booking.
- If the companion’s award costs < 25K, unused value is forfeited; if > 25K, pay the point difference.
- May be canceled/redeposited before travel and reused until it expires.
- One year from issuance to apply the award (you can book travel for later).
Ongoing Earning & Key Perks
Earnings
- 3x Atmos points: all foreign transactions made outside the U.S. (no foreign transaction fees)
- 3x: Alaska Airlines and Hawaiian Airlines purchases
- 3x: Dining
- 1x: everywhere else
10% Rewards Bonus with BofA relationship
Hold an eligible Bank of America® consumer account to earn a 10% bonus on points from purchases (e.g., 3.3x on the 3x categories).
Elite status via spend
- 1 status point per $2 spent (no cap)
- 10,000 status points every card anniversary
- With heavy spend (and the anniversary boost), you can reach Alaska Gold (Oneworld Sapphire) for lounge access on international Oneworld itineraries and other perks.
Annual Global 100K Companion Award (big spend)
- Spend $60,000 in a card year to earn an additional Global Companion Award worth up to 100,000 points off the companion’s award.
Lounge & Wi-Fi
- 8 Alaska Lounge passes per year (2 per quarter)
- 8 inflight Wi-Fi passes per year (2 per quarter)
- Complimentary premium drinks promo in lounges through 2026 (show the card).
Partner Award Booking Fee Waiver
- Primary cardholder’s redemptions on partner airlines get the $12.50 each-way fee waived ($25 round-trip per person saved).
- Taxes/fees on awards must be paid with the Summit card.
Same-Day Change Fee Waiver
- Free same-day confirmed changes on Alaska flights (Saver fares excluded).
Disruption Credit
- $50 voucher if an Alaska/Hawaiian flight is delayed 2+ hours or canceled within 24 hours of departure (one per calendar day, booked directly with the Summit card).
Bags, Boarding, & In-Flight Savings
- Free first checked bag and priority boarding for the primary, AUs, and up to 6 guests on the same reservation (Alaska and Hawaiian).
- 20% back on inflight food, beverages, and Wi-Fi when paid with the card.
Points Sharing & Transfers
- Build a points-sharing network with up to 10 Atmos members; transfer redeemable points freely back and forth (status points excluded).
- Hotel transfer partners available (ratios and availability change; generally niche use-cases).
Rental Car Perks
- Avis President’s Club, National Executive, and benefits with Hertz (elite status levels, savings, faster service, extra hours on returns, and bonus points where applicable).
Global Entry/PreCheck Credit
- Statement credit for Global Entry (every 4 years) or TSA PreCheck (every 4.5–5 years).
Protections (high-level)
- Primary rental car CDW (when eligible)
- Trip cancellation/interruption & trip delay
- Delayed/lost luggage
- Travel accident/emergency evacuation
- Purchase protection & extended warranty
(Always review your Guide to Benefits for specifics, limits, and claim rules.)
Improve Your Approval Odds
- Open a Bank of America consumer checking/savings to establish a relationship (also unlocks the 10% rewards bonus).
- Ensure application data matches your credit file (address/phone/income).
- If denied, call for reconsideration and, if needed, mail a brief recon letter outlining your new BofA relationship and reasons for needing the card.
Atmos Points: Why They’re Powerful
Atmos (formerly Alaska) points often unlock excellent partner pricing and allow stopovers on one-ways. Select domestic AA/Porter routes can price from 4,500 points in economy (or 9,000 in premium cabins) when saver space exists—hence the “up to 17 flights” math from an 80K bonus. Values vary by route/date, but short-hauls and strategic partner uses can deliver strong cents-per-point.
Illustrative sweet spots (subject to change and availability):
- Short-haul domestic: some AA routes from 4.5K economy / 9K premium
- Porter within North America from 4.5K; extra-legroom + bags from ~6K
- Hawaii from West Coast saver space at competitive rates
- Oneworld partners (e.g., BA, Finnair, Qatar, JAL, etc.) with solid premium-cabin pricing, plus free stopover options
Pros & Cons
Pros
- Massive launch combo: 80K + 25K companion award
- 3x abroad on all foreign transactions with no FTF (unique and valuable)
- Partner fee waiver saves $25 round-trip per person on awards
- Strong travel perks: bags, boarding, lounges, change fee waiver, disruption credit
- Status via spend + 10K status points each anniversary
- Points sharing with up to 10 accounts
Cons
- $395 annual fee—make sure the perks match your travel
- Best value requires using partners and award expertise
- Big-spend benefits ($60K) won’t fit every wallet
- Some perks shine most for Alaska/Hawaiian/Oneworld flyers
FAQs
Is the 25K Global Companion Award cash-like?
No—it’s a point discount applied to the companion’s award cost on the same itinerary. Unused value doesn’t carry over.
Can I get more than one companion award?
Yes. You get the initial 25K with the welcome offer and can earn a 100K companion award annually by spending $60,000 in your card year.
Do I need the card to waive partner booking fees?
Yes. The primary cardholder must redeem Atmos points and pay the taxes/fees with the card to trigger the waiver.
Are points sharing and transfers free?
Points sharing within your 10-member network is free for redeemable points. Hotel transfers exist but are typically niche-value.
Bottom Line
For travelers who will actually use its perks, the Atmos Rewards Summit Visa Infinite® is one of the most compelling airline premium cards out there. The combo of 80K points, a 25K companion award, 3x abroad with no FTF, partner fee waivers, lounge/Wi-Fi passes, and status via spend can easily offset the $395 annual fee. If you can leverage Atmos partner awards, short-haul sweet spots, and companion discounts, this card belongs in a serious travel setup.
Disclosures
- Advertiser Disclosure: Some recommendations may result in compensation if you apply and are approved. Opinions are the author’s alone and not provided or endorsed by any bank.
- Offer Accuracy: Details are accurate as of October 29, 2025 and may change at any time. Verify current terms directly with the issuer.
- Responsible Use: Avoid carrying balances; interest costs can erase rewards. Apply only if the card aligns with your travel and spending patterns.
