Card benefits change often, and this page may be out of date by the time you read it. Always check the bank’s page and your card’s guide to benefits for the current terms before you rely on a benefit.
The Atmos Rewards Summit Visa Infinite is Alaska and Hawaiian’s premium card from Bank of America: a $395 annual fee, 3x on Alaska and Hawaiian, dining and foreign purchases, a 25,000-point Global Companion Award every anniversary, 8 Alaska Lounge passes a year, 10,000 status points each anniversary, free checked bags and real Visa Infinite travel insurance.
Unlike the Ascent’s $99 companion fare, the Global Companion Award works on award tickets in any cabin, including partner business class, which is where it gets interesting. Below is how it earns, what each benefit takes, the insurance from the guide to benefits, the rules, and my verdict.
Alaska Atmos Summit at a glance
- Annual fee: $395
- Current public offer: 80,000 points plus a 25,000-point Global Companion Award after $4,000 in purchases in the first 3 months (the bank’s page currently shows 70,000 points after $3,000) (as of October 14, 2026, per Frequent Miler)
- Is it the best ever?: No. It was 100,000 points plus the companion award (after $6,500 in 90 days, with a 50% annual fee discount code) until July 2026.
- Foreign transaction fee: None
- Best for: Frequent Alaska and Hawaiian flyers who’ll redeem points for two on the same award itinerary every year, pass through Alaska Lounges, and want help toward Atmos status.
- Skip it if: You don’t fly Alaska or Hawaiian several times a year. The $95 Ascent gets you the free bags, and Atmos points are available through Bilt.
- Bank’s page: Atmos Rewards Summit on bankofamerica.com
Jump to: Highlights · Earning · Credits · Lounges and perks · Insurance · Application rules · My take · The catch · Keep it? · Offer history · Quick Answers
The highlights
- 3x Alaska and Hawaiian purchases, dining and all foreign purchases; 1x elsewhere; 10% more with a Bank of America account
- 25,000-point Global Companion Award every anniversary: up to 25,000 points off a companion’s award ticket in any cabin, on Alaska or partners, only when you both fly on the same award itinerary; a second, 100,000-point award after $60,000 in spending
- 8 Alaska Lounge passes a year, 2 per quarter that expire at the end of each quarter; 8 Wi-Fi passes on the same schedule
- 10,000 status points each anniversary, plus 1 status point per $2 spent
- Free first checked bag and preferred boarding for you and up to 6 guests on the same reservation
- Up to $120 Global Entry or TSA PreCheck credit every 4 years
- $50 voucher for Alaska delays of 2+ hours or cancellations; free same-day confirmed changes (not Saver); no partner award booking fees; 20% back on inflight purchases
- Trip delay after 6 hours, trip cancellation, baggage delay, lost luggage and emergency evacuation per the guide to benefits (award tickets count when the taxes go on the card); Visa Infinite concierge, hotel and rental perks; no foreign transaction fees
How it earns
| Category | Rate | Caps and fine print |
|---|---|---|
| Alaska Airlines and Hawaiian Airlines purchases | 3x | No cap. Booked directly with Alaska or Hawaiian; third-party bookings earn 1x. |
| Dining | 3x | No cap. Restaurants, bars, fast food and caterers. |
| Foreign purchases | 3x | Top tier: no cap, on anything in a foreign currency or processed outside the U.S., with no foreign transaction fee; no other card I review pays a bonus on all foreign spending. |
| Everything else | 1x | No cap. |
| Status points | 1 per $2 | Plus 10,000 each anniversary, starting with the first. Status points count only for the calendar year they’re earned. |
A 10% bonus applies to all points earned on purchases with any open Bank of America checking, savings or CD account or Merrill investment account. Points don’t expire on active accounts, can be shared with up to 10 other Atmos members, and book Alaska, Hawaiian, oneworld and Alaska’s other partners (Japan Airlines, Cathay Pacific, Qantas, Fiji Airways and more) with no blackout dates on Alaska and Hawaiian. Alaska announced on September 29, 2026 that eligible Bank of America points will transfer into Atmos starting in 2027 (cards and ratio not yet announced).
Credits and how to use them
Can you use the companion award on a partner business class flight? Yes: Bank of America’s terms say it works on any available award seat on Alaska or the partners searchable on alaskaair.com, which is where it’s worth the most.
| Credit | Amount | How often | Where / how | The catch |
|---|---|---|---|---|
| Global Companion Award (25K) | Up to 25,000 points off | Every account anniversary | Book two award tickets on the same itinerary at the same time on alaskaair.com; the companion’s ticket costs up to 25,000 fewer points | The primary cardholder has to be one of the travelers, taxes and fees still apply, there’s no leftover value if the companion’s award costs less than 25,000 points, and it expires 12 months after it’s issued. |
| Global Companion Award (100K) | Up to 100,000 points off | Each anniversary year | Spend $60,000 on purchases in the card anniversary year | $60,000 at 1x on most purchases is a lot of spending to give up on better cards. |
| Alaska Lounge passes | 8 a year | 2 each calendar quarter | Credited January 1, April 1, July 1 and October 1; one pass per adult for the whole travel day (NerdWallet says up to two children under 21 come along) | Passes expire at the end of the quarter they’re issued and only work at Alaska Lounges, not partner lounges. |
| Global Entry or TSA PreCheck | Up to $120 | Once every 4 years | Pay the application fee with the card | — |
| Instant travel delay credit | $50 voucher | Up to one per day | Automatic on Alaska-operated flights booked directly with the card that are delayed 2+ hours or canceled | The voucher is valid for only 48 hours. |
| Wi-Fi passes | 8 a year | 2 each calendar quarter | Alaska single-flight Wi-Fi | Expire at the end of each quarter. |
Lounges and other perks
- 8 Alaska Lounge passes a year (details in the table above). Alaska Lounges are Alaska’s own clubs, mainly on the West Coast (Seattle, Portland, Anchorage, Los Angeles, San Francisco) plus a few others; the passes don’t work at partner lounges.
- Free first checked bag and preferred boarding for you and up to 6 guests on the same reservation, on flights marketed and operated by Alaska, Hawaiian, Horizon or SkyWest, when you pay with the card.
- Free same-day confirmed changes on Alaska flights (Alaska says that’s worth up to $75 per change), except on Saver fares.
- No partner award booking fee (normally $12.50 per person each way) when you put the taxes on the card.
- 20% back on Alaska and Hawaiian inflight food, drinks and Wi-Fi.
- Visa Infinite concierge, Visa Infinite Luxury Hotel Collection (breakfast for two, late checkout and upgrades when available) and Avis, Hertz and National status and discounts.
Insurance and protections
| Benefit | What the bank says |
|---|---|
| Trip delay | Up to $500 after a delay of 6 hours or an overnight stay, per One Mile at a Time’s reading of the guide to benefits One-way and award tickets: Yes to both: the guide covers trips where at least a portion of the ticket is paid with the card, and One Mile at a Time confirms award tickets count when you charge the taxes and fees to the card; no round-trip requirement is mentioned. |
| Trip cancellation / interruption | Up to $2,500 for covered reasons such as injury or illness of you or an immediate family member One-way and award tickets: Likely the same portion-of-the-ticket rule, but One Mile at a Time doesn’t say so specifically for cancellation, so I’d confirm before relying on it for an award trip. |
| Baggage delay | Up to $100 a day for up to 5 days after a 6-hour delay One-way and award tickets: Yes to both: same portion-of-the-ticket rule as trip delay, so award taxes on the card count. |
| Lost luggage | Up to $3,000 ($2,000 for New York residents) One-way and award tickets: Award tickets with taxes on the card count per One Mile at a Time; one-ways aren’t excluded. |
| Emergency evacuation and transportation | Up to $100,000 |
| Auto rental collision damage waiver | Listed among the Visa Infinite benefits; I couldn’t find a source that says whether it’s primary or secondary |
| Roadside assistance | Listed by the bank without details |
Bank of America’s card page lists the protections without numbers. The amounts and the award ticket rule come from One Mile at a Time’s September 2026 summary of the cardholder guide to benefits (which cardholders can find under Statements & Documents in their account).
For how this compares with other cards, see my card travel benefits comparison.
Application rules for this card
- Unlike the Ascent, the Summit’s current terms don’t include Bank of America’s “currently have or have had the card in the preceding 24 month period” line, but the offer is a one-time new-account promotion and One Mile at a Time says to expect to wait about 24 months after closing it before earning the bonus again.
- Each Atmos card is judged on its own, so holding the Ascent (including an old Alaska Visa Signature that became the Ascent) doesn’t block the Summit’s bonus, per One Mile at a Time.
- The 2/3/4 rule: Bank of America approves at most 2 new cards in 2 months, 3 in 12 months and 4 in 24 months, and data points suggest a 7/12 limit on new cards from all banks if you have a Bank of America deposit account (3/12 if you don’t). Details are in my application rules guide.
The full rules for every bank are in my credit card application rules guide.
My take
A $395 fee and no credits that are easy to call cash, so the real fee depends on two things: whether you’ll use the 25,000-point companion award (Upgraded Points values it around $400) and whether you pass through Alaska Lounges often enough to use passes that expire every quarter. If you take one award trip for two a year, the companion award alone gets you most of the way, and the free bags, lounge passes and status points are the rest.
The 3x on foreign purchases with no foreign transaction fee is unusual, and in my eyes it’s the best everyday reason to carry this card on international trips. Everywhere else it earns 1x, so it isn’t a card for domestic everyday spending.
The bonus is 5,000 points more than the Ascent’s for $300 more a year, so on bonus-per-dollar the Ascent wins easily; the Summit is for people who’ll use the companion award and the status help every year.
In any case, I personally would hate to sign up at 80,000 points when 100,000 was available as recently as July 2026.
The catch
Eight lounge passes is not a lounge membership, and two expire every quarter whether you fly or not. The companion award only helps if you book award tickets for two on the same itinerary, with you on it, on alaskaair.com, and it expires after 12 months.
Earning is 1x outside Alaska, dining and foreign purchases, and the 100,000-point award needs $60,000 of spending. Bank of America doesn’t say whether the rental car coverage is primary.
The lounge passes and companion award only help if you already fly Alaska and Hawaiian. Bank of America and Alaska, like other banks with use-it-or-lose-it perks, count on some people letting them expire.
Keep it after year one?
The fee to me is $395, and there’s no credit I’d count as cash, so it has to earn its keep with the companion award (around $400 if you use it) plus lounge passes and bags. If you fly Alaska several times a year and take one award trip for two, keep it. If not, the $95 Ascent keeps the free bags and adds the $99 companion fare, and I’d ask Bank of America about moving to it before canceling (I haven’t confirmed that product change is offered).
Offer history
| Offer | Ended |
|---|---|
| 100K + companion award after $6,500 in 90 days (best ever) | 2026-07 |
Quick Answers
$395 a year as of October 2026, not waived the first year.
As of October 14, 2026, Frequent Miler lists 80,000 points plus a 25,000-point Global Companion Award after $4,000 in purchases in 3 months; the bank’s page shows 70,000 points after $3,000. It was 100,000 points until July 2026.
Each anniversary you get an award worth up to 25,000 points off a companion’s award ticket when you both fly on the same award itinerary, booked together on alaskaair.com. It works on Alaska and partner award seats in any cabin, taxes and fees are extra, and it expires after 12 months.
No. You get two each quarter, and they expire at the end of the quarter they’re issued. Each pass covers one adult for the whole travel day at Alaska Lounges only.
Yes, per One Mile at a Time’s reading of the guide to benefits: paying at least part of the ticket with the card, including the taxes on an award ticket, qualifies for trip delay (6 hours, up to $500) and baggage coverage.
Last checked: October 14, 2026. Card terms change often, so confirm on the bank’s page before you apply. There are no affiliate or referral links on this site, ever; links go to the bank’s own page.