Bank of America Atmos Rewards Summit Visa Infinite
$395 annual fee · $30/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Dining | 3x | uncapped |
| Everything else | 1x | uncapped |
| Flights at Alaska Airlines only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
3x | uncapped |
See how it ranks: best dining cards.
Statement credits — $30/yr on paper · how we got this
| Credit | Value | How it pays |
|---|---|---|
| Global Entry/TSA PreCheck application fee credit | $30/year | once every 4 years |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- 3x points on all qualifying foreign/international purchases (any category, based on merchant location) — a foreign-transaction bonus, not a travel-category rate; not modeled in category math
- Eight Alaska Lounge day passes annually (2 per calendar quarter), each valid for the entire travel day and including up to 2 accompanying children; BofA cites over $500 in value
- Complimentary signature cocktail/elevated bar offering at Alaska Lounges through 2026
- Global Companion Award: up to two per card-anniversary year, covering a companion's ticket on award travel across Alaska, Hawaiian, oneworld, and global partners in any cabin including Business/First -- a 25,000-point award after qualifying spend/each anniversary, and a 100,000-point award after $60,000+ spend in a card-anniversary year
- Instant $50 travel-delay voucher (valid 48 hours) for a same-day 2+ hour Alaska flight delay or a cancellation within 24 hours of scheduled departure
- 1 status point per $2 spent (uncapped), plus 10,000 bonus status points every card anniversary; 20,000 status points = Atmos Silver/oneworld Ruby, 40,000 = Atmos Gold/oneworld Sapphire -- fastest path to status of any airline card per BofA
- Free checked bag and preferred boarding for cardholder plus up to 6 companions on Alaska/Hawaiian flights
- Waived same-day confirmed flight change fee (save up to $50 per one-way flight)
- $25 per person savings on every roundtrip partner-airline award booking
Does the fee earn out? · how we got this
The $395 fee minus $30 in printed credits leaves $365/yr to earn back through rewards — roughly $8,691 of dining spending at 3x (valuing Alaska miles at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.
Is this $395 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who won't work the statement credits. The $395 fee is argued for by $30 of printed credits, spread across 1 separate credit. Each one only pays if you were going to spend that way anyway; ignore them and the whole $395 has to come back through earn rates instead.
Don't want the fee any more?
Bank of America Atmos Rewards Summit Visa Infinite can normally be product-changed to one lower-fee card in the Bank of America Alaska / Atmos Rewards family instead of being closed — which keeps the account, its age and its credit line.
What does Bank of America Atmos Rewards Summit Visa Infinite downgrade to? →
Comparing cards in the same currency? See the best cards that earn Alaska miles →
More from Bank of America
- Bank of America Business Advantage Customized Cash Rewards
- Bank of America Business Advantage Travel Rewards
- Bank of America Business Advantage Unlimited Cash Rewards
- Bank of America Customized Cash Rewards
- Bank of America Customized Cash Rewards for Students
- Bank of America Customized Cash Rewards Secured
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-03 against issuer terms · sources: www.bankofamerica.com · newsroom.bankofamerica.com · newsroom.bankofamerica.com. Spot an error? Tell us.