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Atmos Rewards Summit
Bank of America

Atmos Rewards Summit

A $395-a-year airline card from Bank of America.

Limited-Time Offer
Locked to Atmos Rewards
Annual fee
$395/yr
Welcome bonus
100,000 bonus points + 25,000-point Global Companion Award
Min spend
$6,000 in 90 days
Recommended credit
Excellent (720+)
Network
Visa
Foreign transaction fee
None
Apply on Bank of America site6.0/10Our rating · review ›

Rates, fees, and full terms are set by Bank of America and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: Bank of America application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on dining and want travel rewards they can grow.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $395 annual fee.

Earning rates

3.3x points on Alaska Airlines and Hawaiian Airlines purchases (with an eligible Bank of America account)
3x points on dining and foreign purchases
1x on all other purchases
Earn elite status points on your spending

Best ways to earn & redeem

Put your dining spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.

When you cash in, redeem the miles or points inside the single loyalty program this card is tied to. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

Annual Companion Fare
No foreign transaction fees

Lounge access

8 Alaska Lounge passes per year (2 issued each quarter, expiring at quarter-end); each pass admits 1 adult plus up to 2 children under 21
Through 2026, a cardholder-only premium bar experience at Alaska Lounges

Statement credits

Annual Companion Fare

Alternatives to the Atmos Rewards Summit

Pairs well with

The Atmos Rewards Summit earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

Learn more

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Atmos Rewards Summit lands.

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