Atmos™ Rewards Summit Visa Infinite® Credit Card
70,000 Atmos Rewards points after you spend $3,000 in 3 months. $395 a year.
- Welcome offer
- Issuer's pagebankofamerica.com
“Earn 70,000 bonus points and a 25,000-point Global Companion Award after spending $3,000 or more on purchases within the first 90 days of opening your account.”
- Annual fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
“$395 annual fee † and no foreign transaction fees †”
- Purchase APR
- Issuer's pagebankofamerica.com
“19.74% - 27.74%”
- Foreign transaction fee
- Issuer's pagebankofamerica.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $450 | −$250 |
| Typical spender | $675 | −$25 |
| Heavy spender | $1,110 | $410 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 3x foreign transaction purchases; points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Lower top APR than about 50% of the 128 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
70,000 points
After you spend $3,000 on purchases in your first 3 months.
Also receive a 25,000-point Global Companion Award after spending $3,000 or more on purchases within the first 90 days of opening the account.
How you earn · Atmos™ Rewards
- 3× pointseligible dining purchases
- 3× pointsforeign transaction purchases
- 3× pointsAlaska Airlines and Hawaiian Airlines purchases
- 1× pointsEverything else
Rates and fees
| Annual fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 “$395 annual fee † and no foreign transaction fees †” |
|---|---|
| Purchase APR | Issuer's pagebankofamerica.com “19.74% - 27.74%” |
| Intro APR | Issuer's pagebankofamerica.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Issuer's pagebankofamerica.com The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Issuer's pagebankofamerica.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Airport Security Statement Credit: $120 every 4 years
- Instant Travel Delay Credit: $50 other
- Free checked bag for the cardholder and up to 6 guests on the same reservation when the Alaska Airlines or Hawaiian Airlines flight is paid for with the card.
- Up to a $120 Airport Security Statement Credit every four years for TSA PreCheck® or Global Entry.
- Receive 8 Alaska Lounge passes every calendar year, provided as 2 per quarter.
- Receive 10,000 status points on the account anniversary each year to boost Atmos Rewards membership status.
- Preferred boarding for the cardholder and up to 6 guests on the same reservation when the Alaska Airlines or Hawaiian Airlines flight is paid for with the card.
- Waived fees for same-day confirmed Alaska flight changes, with savings of up to $75 per change.
- Receive a 25,000-point Global Companion Award on every account anniversary.
- Receive a 100,000-point Global Companion Award annually after spending $60,000 or more on purchases that year.
- Share accumulated points with up to ten additional Atmos Rewards members.
- Redeem points with no blackout dates on Alaska Airlines, Hawaiian Airlines, or the network of airline partners.
- Redemption fees are waived when booking travel on Alaska Airlines' network of airline partners.
- Complimentary Atmos Rewards Visa Infinite Concierge service.
- Visa Infinite Luxury Hotel Collection benefits, including late checkouts, free breakfast daily for two, and automatic upgrades; some benefits are based on availability.
- Visa Infinite Car Rental Benefits, including VIP amenities, complimentary status upgrades, and discounts with Avis®, Hertz®, and National®.
- Receive a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
- No foreign transaction fees.
Questions
- What is the annual fee?
- $395 Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. bankofamerica.com, since Oct 4, 2026
- What is the purchase APR?
- 19.74–27.74% APR bankofamerica.com, since Oct 4, 2026
- Is there a welcome bonus?
- 70,000 Atmos Rewards points after $3,000 in purchases in 3 months. bankofamerica.com, since Oct 4, 2026
Other points cards with fees over $300
- The American Express GoldAmerican Express · $325 a year+$325 a year
- Bilt PalladiumBilt · $495 a year+$240 a year
- Business GoldAmerican Express · $325 a year+$130 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).