The Atmos Rewards Summit Visa Infinite is the top-shelf personal card in the Alaska Airlines/Hawaiian Airlines ecosystem, issued by Bank of America. At $395 per year, it slots in as a genuine premium airline card — and unlike some competitors, it actually earns its keep if you fly the Alaska/Hawaiian network regularly.

The headline perks: a 25,000-point Global Companion Award every anniversary (usable on partner airlines in any cabin, including business and first), quarterly Alaska Lounge passes, 3X on airline purchases and dining, and a path to a second 100,000-point award if you spend big. This is the card that replaced the old Alaska Airlines Visa Signature as the premium option when Alaska and Hawaiian merged their loyalty programs into Atmos Rewards.

If you fly Alaska or Hawaiian even a handful of times per year and value lounge access and companion awards, this card deserves a hard look. If you don't, the Ascent at $95 is probably the smarter play.

• 25,000-point Global Companion Award — issued every card anniversary. Valid on Alaska, Hawaiian, Oneworld partners, and other Atmos partners in any cabin, including business and first class. This alone can be worth thousands.
• 100,000-point bonus award — earn this on top of the 25K award when you spend $60,000+ in your anniversary year. Big spenders take note.
• Alaska Lounge access — two quarterly lounge passes (8 per year) to any Alaska Lounge location.
• 10,000 status points on every card anniversary, getting you halfway to Atmos Silver status. Plus 1 status point per $2 spent on the card with no cap.
• Free first checked bag for you and up to 6 companions on the same reservation when you buy the ticket with the card.
• Preferred boarding on Alaska and Hawaiian flights.
• 20% back on inflight purchases — food, drinks, Wi-Fi on Alaska and Hawaiian.
• $50 trip interruption credit and Visa Infinite benefits including concierge and travel protections.
• No foreign transaction fees

Annual Fee: $395 per year.

Foreign Transaction Fees: None.

Other Fees: Standard Bank of America fee structure.

The real math:

• $395 annual fee
• Minus the 25K Global Companion Award (conservatively worth $300-$500+ on partner business/first class bookings)
• Minus 8 Alaska Lounge passes per year (worth ~$50 each = $400 at day-pass pricing)
• Minus 10,000 status points annually
• Minus free checked bags ($35 each way, adds up fast with family)

If you use the companion award and hit the lounges a few times, you're already ahead. The $395 fee looks steep on paper but pencils out quickly for regular Alaska/Hawaiian flyers.

Current public offer: Earn 80,000 bonus Atmos Rewards points plus a 25,000-point Global Companion Award after spending $4,000 in the first 90 days.

Targeted offer: Some applicants see a 100,000 bonus point offer (with $6,000 spend requirement in 90 days) plus the same 25K Global Companion Award.

At a conservative 1.5 cents per point valuation, the 80K public offer is worth roughly $1,200 in flights, plus the companion award on top. The 100K targeted offer pushes that to $1,500+. Either way, this is one of the strongest airline card welcome bonuses available in 2026.

Scout's tip: Check your Alaska/Atmos account for targeted offers before applying through the public link. The 100K offer has been spotted in email campaigns and on the Alaska Airlines app.

3X points per $1 on:

• Alaska Airlines and Hawaiian Airlines purchases
• Dining (restaurants worldwide)
• Eligible foreign transactions

1X point per $1 on all other purchases.

Bank of America bonus: Eligible BofA checking/savings account holders get a 10% bonus on all card purchases, bumping those rates to 3.3X and 1.1X respectively.

Status points: Earn 1 status point per $2 spent on the card (no cap), plus 10,000 status points on each card anniversary.

The 3X on dining is a nice touch that most airline cards don't offer — it means you don't need to relegate this card to airline-only duty. The foreign transaction bonus at 3X is also unusual and makes this a legitimate travel-abroad card.

Award flights are where Atmos points shine brightest. You can book flights on Alaska, Hawaiian, and the full Oneworld alliance (including Cathay Pacific, Japan Airlines, Qantas, British Airways, and more).

• Best value: Partner business and first class redemptions — Cathay Pacific business class to Hong Kong, Japan Airlines first class to Tokyo, or Qantas business to Australia can deliver 3-5+ cents per point.
• Solid value: Alaska/Hawaiian domestic flights typically redeem around 1.5-2 cents per point.
• Global Companion Award: Your annual 25K companion award works on any Atmos partner in any cabin — this is exceptionally flexible compared to domestic-only companion fares.

Points do not transfer to hotel or other programs. This is an airline-focused currency, and that's fine because Alaska's partner network is one of the best in the game for aspirational redemptions.

• 8 Alaska Lounge passes per year (2 per quarter) — usable at any Alaska Lounge location. These don't roll over, so use them or lose them.
• $100 off Alaska Lounge+ annual membership when purchased with the card.
• Free first checked bag for cardholder + up to 6 guests on the same reservation.
• Preferred boarding on Alaska and Hawaiian flights.
• 20% back on inflight purchases including food, premium beverages, and Wi-Fi.
• $50 trip interruption credit
• Visa Infinite benefits: Concierge service, luxury hotel collection access, travel and purchase protections, cell phone protection.

The lounge pass system is generous — 8 visits per year at roughly $50 per pass means $400 in lounge value alone. Combined with the companion award and checked bag savings, the travel perks stack up quickly.

How does the Summit stack up against other premium airline cards?

The Summit's $395 fee is the lowest in this group, and the Global Companion Award — valid on partner airlines in business and first class — is arguably the most valuable companion benefit of the bunch. The Delta Reserve's Sky Club access is more generous, but the Summit compensates with a lower fee and better partner award flexibility.

• West Coast flyers who use Alaska and Hawaiian as their primary airlines — especially those based at SEA, SFO, LAX, PDX, or HNL.
• Oneworld alliance enthusiasts who want to book partner business and first class using Atmos points — the companion award and earning structure support aspirational redemptions.
• Frequent travelers with families — the free checked bags for up to 6 companions and the Global Companion Award make family travel significantly cheaper.
• Lounge lovers who fly through Alaska Lounge airports and want quarterly access without paying for a full membership.
• Diners who appreciate 3X on restaurants — unusual for an airline card and means you can use this beyond just flights.

This card is not the best fit for infrequent flyers, people who don't fly Alaska/Hawaiian/Oneworld, or anyone looking for a simple cashback setup. If you fly Alaska a few times a year at most, the Ascent at $95 gives you the companion fare and checked bags without the premium price tag.