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Last updated
Six value dimensions, scored 0–100. The solid bar leads that dimension.
Earning power
Statement credits
Lounge access
Hotel & status
Protections
Low annual fee
| Perk | BofA Unlimited CashBank of America | Atmos Summit Visa InfiniteBank of America |
|---|---|---|
| Costs & value | ||
| Annual fee | $0 Verified by source | $395 Verified by source |
| Realized value* | $0 | $0 |
| Net / year | +$0 | −$395 |
| Value check | Earns its keep | Earns its keep |
| Rewards | cashback | miles |
| Cash advance (ATM) | Either $10 or 5% of each cash advance, whichever is greater Inferred by source | Either $10 or 5% of each cash advance, whichever is greater Inferred by source |
| LoungesFull breakdown → | ||
| Networks | — | |
| Points & MilesFull breakdown → | ||
| Earn rates | 1.5× All purchases (1.5%; 25–75% more with Preferred Rewards) Verified by source | 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 |
| Redemption ValueFull breakdown → | ||
| Portal value | 1¢ per pt Verified by source | 1.4¢ per pt Estimated by source |
| Foreign Tx FeesFull breakdown → | ||
| Fee | 3% Verified by source | None Inferred by source |
| CashbackFull breakdown → | ||
| Rate | 1.5% on all purchases (up to 2.62% with Preferred Rewards) Verified by source | — |
| Apply & freshness | ||
| Data last verified | Jun 6, 2026 | Jun 18, 2026 |
| Apply | Apply | Apply |
*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it
On paper the Bank of America® Unlimited Cash Rewards comes out ahead: by realized value minus the annual fee, the Bank of America® Unlimited Cash Rewards nets +$0/yr and the Atmos™ Rewards Summit Visa Infinite® Card nets −$395/yr. Which is actually better depends on your spending and which perks you'll use.
The Bank of America® Unlimited Cash Rewards has the lower annual fee ($0 vs $395).
The Atmos™ Rewards Summit Visa Infinite® Card includes lounge access (Alaska Lounge); the Bank of America® Unlimited Cash Rewards does not.