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Bank of America · credit
Last updated
Is the Atmos Summit Visa Infinite worth keeping when the fee hits?
Welcome offer — 100,000 bonus points after $6,000 spend in 90 days Verified by source
Apply on Bank of America's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs excellent credit (740+) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 3× | Alaska Airlines & Hawaiian Airlines purchases Verified by source |
|---|---|
| 3× | Dining Verified by source |
| 3× | Foreign purchases Verified by source |
| 1× | Everything else Verified by source |
| Alaska Lounge | 9 lounges· Up to 2 children free per passVerified by source
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|---|
| companion certificate | Global Companion Award — 25,000-point companion award at anniversary; 100,000-point companion award after $60,000 annual spend; valid on Alaska, Hawaiian, oneworld, and global partners in any cabin (~$300/yr) Inferred by source |
|---|---|
| free checked bag | First checked bag free for cardholder + up to 6 guests on the same reservation on Alaska & Hawaiian flights (~$70/yr) Verified by source |
| inflight discount | $50 voucher (valid 48 hours) for same-day flight delay over 2 hours or cancellation within 24 hours of departure (~$50/yr) Verified by source |
| priority boarding | Preferred boarding on Alaska and Hawaiian flights (~$0/yr) Verified by source |
Using Atmos Summit Visa Infinite at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each cash advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | Around 29.99% variable APR (no grace period) Estimated by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Atmos™ Rewards Summit Visa Infinite® Card has a $395 annual fee.
Using its non-spend-gated credits fully, the Atmos™ Rewards Summit Visa Infinite® Card returns about $0 in value against its $395 annual fee — a net of −$395 per year. It only makes sense if you value its perks beyond the listed credits.
The Atmos™ Rewards Summit Visa Infinite® Card earns 3x on alaska airlines & hawaiian airlines purchases, 3x on dining, 3x on foreign purchases.
Yes. The Atmos™ Rewards Summit Visa Infinite® Card grants access to Alaska Lounge.
No — the Atmos™ Rewards Summit Visa Infinite® Card has no foreign transaction fee, so it's a good card to use abroad.
100,000 bonus points after $6,000 spend in 90 days. Welcome offers change frequently — confirm the current one on the issuer's page before applying.