Atmos Rewards Summit
$395/year, earning Atmos Rewards Points, on the Visa network.
Card terms last verified against issuer pages on 2026-09-20.
The Atmos Rewards Summit is a $395/year card from Bank of America earning Atmos Rewards Points. It earns 3x on hawaiian airlines, 3x on dining, 3x on foreign transactions and 3x on everything else. It carries 2 recurring statement credits worth $80 a year, listed in full below with the cap and reset date for each.
What it earns
Rates are the multipliers Bank of America advertises. We do not convert them into a percentage return, because that requires putting a price on Atmos Rewards Points and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Airline(Alaska) | 3x | Everything else |
| Hawaiian Airlines | 3x | |
| Dining | 3x | |
| Foreign Transactions | 3x | |
| Other | 1x | Everything else |
Statement credits
$80 a year across 2 credits against a $395 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| 100K Global Companion AwardEarn an additional 100,000-point Global Companion Award after spending $60,000 or more on purchases in a card anniversary year. Provides significant savings on premium cabin companion awards. | Once a year | ~$1,600 |
| Alaska Lounge Passes (8x)Receive 8 Alaska Lounge passes annually (2 passes per calendar quarter). Each pass is valid for one adult plus up to 2 children under 21. Passes expire at end of each quarter. | Once a year | ~$520 |
| 25K Global Companion AwardReceive a 25,000-point Global Companion Award each card anniversary. Use it to reduce the points needed for a companion award booking on Alaska, Hawaiian, or partner airlines. | Once a year | ~$400 |
| 8 Wi-Fi PassesReceive 8 complimentary single-flight Wi-Fi passes annually for use on Alaska Airlines flights. | Once a year | ~$64 |
Status and included memberships
- Free First Checked Bag — You and up to 6 passengers on the same reservation receive your first checked bag free on Alaska Airlines and Hawaiian Airlines flights.
- Waived Same-Day Change Fees — Change your Alaska Airlines flight on the same day of travel without paying change fees.
- 20% In-flight Savings — Save 20% on food, beverages, and WiFi purchases on Alaska Airlines and Hawaiian Airlines flights when you pay with your card.
- Waived Partner Award Fees — Book award flights on partner airlines without paying the $12.50 per-person booking fee.
- Priority Boarding — Board in Group 2 on Alaska Airlines flights, allowing you to find overhead bin space and settle in before most other passengers.
- 10K Annual Status Points — Receive 10,000 bonus status points each card anniversary, plus earn 1 status point per $2 spent. Fastest path to Atmos elite status of any airline card.
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Travel Insurance — Trip cancellation/interruption insurance, trip delay reimbursement, baggage delay insurance, lost luggage reimbursement, travel accident insurance, and emergency evacuation coverage.
Questions people ask about the Atmos Rewards Summit
What is the annual fee on the Atmos Rewards Summit?
The Atmos Rewards Summit has a $395 annual fee.
What statement credits does the Atmos Rewards Summit include?
It carries 2 recurring statement credits worth $80 a year in total: $50 Travel Delay Credit ($50, resets on the cardmember year); TSA PreCheck/Global Entry Credit ($30, resets on the cardmember year). Verified 2026-09-20.
What does the Atmos Rewards Summit earn?
3x on airline(alaska), 3x on hawaiian airlines, 3x on dining, 3x on foreign transactions, and 3x on everything else, in Atmos Rewards Points.
Is the Atmos Rewards Summit worth the annual fee?
Its recurring statement credits total $80 a year against a $395 fee, so the card pays for itself on credits alone if you use 100% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.
Does the Atmos Rewards Summit charge foreign transaction fees?
No — the Atmos Rewards Summit has no foreign transaction fee.
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