Atmos™ Rewards Summit Visa Infinite® Credit Card
The Summit is built for travelers who fly Alaska or Hawaiian internationally or in premium cabins. It earns 3 points per $1 on dining, foreign purchases and both airlines, and issues a 25,000-point Global Companion Award every account anniversary. Eight Alaska Lounge day passes and a seven-person free bag benefit round it out. The caveat is the $395 annual fee: casual flyers should start with the Ascent.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 25,000-point Global Companion Award every account anniversary, usable on Alaska, Hawaiian and partner awards
- 100,000-point Global Companion Award after $60,000 in purchases in an anniversary year
- Eight Alaska Lounge day passes annually, a value above $500
- Free checked bag for you and up to six guests on one reservation
- 3 points per $1 on dining and on all foreign purchases
- $50 instant flight-delay voucher when an Alaska or Hawaiian delay passes two hours
- Fee waivers on same-day changes and partner award bookings
- Annual fee: $395
- Regular purchase APR: 19.49% - 27.49% Variable
- Intro purchase APR: N/A
- Intro balance transfer APR: N/A
- Balance transfer fee: 5% of each transfer
- Cash advance APR: 22.49% - 29.24% Variable depending on advance type, fee 5%
- Late payment fee: Up to $41
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- You fly Alaska or Hawaiian with a companion every year: the 25,000-point anniversary award recurs without a spend hurdle.
- You spend abroad often, where 3 points per $1 on foreign purchases with no foreign transaction fee is a rare pairing.
- Your dining spend is high and you prefer airline points to cash back.
- You want lounge access on Alaska routes without paying for a full membership.
- You should skip it if you fly the airlines once a year or less; the $95 Ascent delivers most of the value at a quarter of the fee.
Atmos™ Rewards Summit Visa Infinite® Credit Card Review
Launched in August 2025, the Summit is the first premium card of the combined Alaska and Hawaiian Atmos Rewards program. It swaps the Ascent's $99 Companion Fare for a points-based Global Companion Award that works on any Atmos award flight, including international partners. This review weighs the $395 fee against what the card actually returns.
How You Earn
Three broad 3x categories drive earning, and every dollar also moves you toward elite status. An eligible Bank of America account adds a 10% rewards bonus.
- 3 points per $1 on eligible dining purchases
- 3 points per $1 on all foreign transactions
- 3 points per $1 on Alaska Airlines and Hawaiian Airlines purchases
- 1 point per $1 on everything else, plus 1 status point per $2 spent
| Category | Earn rate |
|---|---|
| Dining | 3 points per $1 |
| Foreign transactions | 3 points per $1 |
| Alaska Airlines and Hawaiian Airlines purchases | 3 points per $1 |
| All other purchases | 1 point per $1 |
How You Redeem
Points redeem for award travel on Alaska, Hawaiian and their partners. The program added hotel transfer partners and free points sharing.
- Award flights on Alaska, Hawaiian and oneworld partners
- The Global Companion Award covers a companion's award ticket up to its point value
- Transfers to hotel partners and free point sharing with up to 10 Atmos members
Benefits and Protections
The benefits mirror a premium airline card: lounges, bags, and money back when operations fail.
- Eight Alaska Lounge day passes per year
- Free first checked bag for up to seven people on one reservation
- $50 instant voucher for delays over two hours
- Same-day change fee waivers and partner award fee savings
- No foreign transaction fees
Who This Card Is For
This card pays back travelers who fly Alaska or Hawaiian several times a year and internationally. Status chasers benefit twice, since spending earns status points on top of redeemable points.
- Premium-cabin and international Alaska or Hawaiian flyers
- Couples and families who use companion awards yearly
- High spenders targeting Atmos elite status through card spend
Comparison
| Feature | Atmos™ Rewards Summit | Delta SkyMiles® Reserve Amex | Citi® / AAdvantage® Executive World Legend |
|---|---|---|---|
| Annual Fee | $395 | $650 | $695 |
| Welcome Offer | 80,000 pts + 25,000-pt award ($4,000 in 90 days) | 50,000 miles + 2 companion certificates | 125,000 miles ($15,000 in 5 months) |
| Rewards Rate | 3x dining, foreign and airline purchases | See issuer page | See issuer page |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | Alaska and Hawaiian premium flyers | Delta loyalists | Admirals Club regulars |
Issuer Comparison
| Feature | Summit Visa Infinite® | Ascent Visa Signature® | Premium Rewards® Elite |
|---|---|---|---|
| Annual Fee | $395 | $95 | $550 |
| Welcome Offer | 80,000 bonus points | 70,000 pts + Companion Fare | 75,000 points, a $750 value |
| Rewards Rate | 3x dining, foreign and airlines | 3x Alaska and Hawaiian, 2x gas and transit | 2x travel and dining, 1.5x other |
| Key Credits | 25,000-pt award, 8 lounge passes yearly | $99 Companion Fare yearly | See issuer page |
| Best For | Premium airline loyalty | Value-focused Alaska flyers | Flexible premium travel |
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Reader reports, not issuer data. Not a prediction of your result. Ranges only, reviewed before publishing.