Miles · Visa · $395 annual fee
Last verified 2026-09-09. Review issuer source
Bank of America Atmos Rewards Summit Visa Infinite is a $395-a-year miles card from Bank of America. It earns 1x on purchases, which puts it behind most rewards cards; you hold it for the account itself, not the rewards. Rewards are Alaska Airlines Atmos Rewards miles that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year its rewards come to $82, $313 short of the annual fee. That is normal at this price; the card only works if the perks replace spending you already do, or your bonus-category spending is far above a typical household's. The welcome bonus, 80,000 miles after $4,000 in 90 days, is the strongest reason to open it in a given year.
Get it if you already fly or stay with Alaska Airlines Atmos Rewards often enough to use the free checked bag. A general travel card earns points that go more places.
Earn 3 points per $1 spent on eligible purchases on eligible Alaska Airlines purchases
Earn 3 points per $1 spent on eligible purchases on eligible Hawaiian Airlines purchases
Limited-time online offer Earn 80,000 bonus points and a 25,000-point Global Companion Award after spending $4,000 or more on purchases within the first 90 days of opening your account.
With no earning cap, every purchase brings you closer to more perks and the next status tier.
Earn 10% more points on all card purchases with a qualifying Bank of America® account.
Get a jumpstart on your Atmos Rewards journey.
Get 20% back on Wi-Fi, drinks, and meals on Alaska Airlines and Hawaiian Airlines flights when you pay with your card.
Get an Airport Security Statement Credit of up to $120 every four years in connection with the TSA PreCheck® or Global Entry trusted traveler programs.
Receive two Alaska Lounge day passes each quarter for access to any Alaska Lounge before your flight. Each pass is valid for your entire travel day, so you can access multiple lounges along your journey and includes entry for up to two accompanying children. For our existing Alaska Lounge members, these passes can be shared with family and friends.
For you and up to 6 guests on the same reservation when airfare is purchased with your card.
Cardholders can earn up to two Global Companion Awards per year for use across our full network – including Alaska Airlines, Hawaiian Airlines, oneworld® and our global partners – in any class of service, including Business Class and First Class. As a cardholder, you’ll receive a 25,000-point Global Companion Award on your anniversary.
Change of plans? No problem. We’ll waive the fee for same-day confirmed flight changes, regardless of your Atmos Rewards status.
We’ve made it easier than ever to see the world with our friends with no award booking fees on airline partners.
For you and up to 6 guests on the same reservation when you pay with your card.
Share points with a chosen network of up to 10 Atmos Rewards members.
Enjoy flexible points transfers to participating hotel partner loyalty programs, including Marriott Bonvoy and Shangri-La Circle.
We’ve got you covered. If your Alaska Airlines flight has a same-day cancellation or delay of 2+ hours for any reason, you'll receive a $50 electronic voucher.
These come from Visa, not from Bank of America. Every card on the Visa Infinite tier carries them, so they should not decide between two cards.
When you use your covered Visa card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You can be covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the Collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract.
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
When you use your covered Visa card for your eligible purchases Extended Warranty Protection will extend the term of your eligible manufacturer’s U.S. warranty by 1 additional year on eligible warranties of 3 years or less; for a manufacturer’s warranty of 3 months, the term is extended an additional 12 months for a combined total of 15 months of coverage; for warranties of one year or more an additional year of coverage is provided.
Apply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Infinite card to pay the application fee (currently $120) to receive a $120 statement credit.
Your Visa Infinite card entitles you to automatic Platinum Status when you sign up for Troon Rewards®, for 20% saving on golf fees, merchandise and lessons at over 150 golf courses across the United States and world.
When you use your covered card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection by the airline or common carrier.
Visa Infinite cardholders receive special privileges from Relais & Châteaux, a highly prestigious association of approximately 500 luxury properties worldwide.
When you use your covered Visa card to make an eligible purchase, you can get return protection if you are dissatisfied with your item within 90 days of purchase and the merchant will not accept the return.
This is a pay-per-use roadside assistance program; available 24x7; Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Eligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Add peace of mind to your itinerary. Purchase your airline ticket with your covered Visa card and you can enjoy Travel Accident Insurance.
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center, 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad. Keep in mind this program provides assistance only. Cardholders are responsible for the cost of any services received.
When you purchase your travel ticket with a covered Visa card and you must cancel or interrupt your trip, this benefit can help reimburse for the non-refundable cost of your passenger fare. This coverage applies to more than air travel. It also can be in place when a covered Visa card is used to purchase a ticket for travel via other forms of eligible transportation, such as a ferry, rail, bus or cruise ship.
Anticipate delays when you purchase air travel with your covered Visa card. With Trip Delay coverage, you can receive up to $500.00 when you’re stuck for more than 6 hours due to a covered hazard such as equipment failure, inclement weather, strike and hijacking/skyjacking.
Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
The Visa Luxury Hotel Collection offers an unparalleled experience with an extraordinary collection of benefits like VIP status, complimentary breakfast daily, an upgrade when available and a special amenity unique to each property.
Book with your Visa Infinite card and get VIP amenities and discounts with Avis, Hertz, and National®.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Atmos™ Rewards Summit Visa Infinite®This card · 1x on everything | $395 | $82 | −$313 | 1276th of 1,291 |
| Bank of America® Unlimited Cash RewardsBank of America's most-held other card · 1.5% on everything | None | $369 | +$369 | 477th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
