Atmos Rewards Summit Visa Infinite

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 Alaska/Hawaiian purchases, dining and foreign transactions, and a path to a second Global Companion Award worth up to 100,000 points if you spend $60,000+ in a card anniversary year. It launched as a brand-new premium tier when Alaska and Hawaiian merged their loyalty programs into Atmos Rewards (the old Alaska Airlines Visa Signature became the $95 Ascent).

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. It takes up to 25,000 points off a companion's award (you pay any points above that, and any unused value is forfeited), which TPG values at about $388.
• 100,000-point Global Companion 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 flights operated by Alaska, Horizon and SkyWest when you pay with the card.
• 20% back on inflight purchases — food, drinks, Wi-Fi on Alaska and Hawaiian.
• $50 instant travel delay credit when your Alaska or Hawaiian flight is canceled or delayed 2+ hours, plus Visa Infinite benefits including concierge and travel protections.
• Up to $120 TSA PreCheck / Global Entry Credit — statement credit every 4 years when you charge the application fee to your card.
• 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 $65 each = $520 at day-pass pricing)
• Minus 10,000 status points annually
• Minus free checked bags ($45 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 70,000 bonus Atmos Rewards points plus a 25,000-point Global Companion Award after spending $3,000 in the first 90 days.

Recent offers: This bonus moves around. The card launched in 2025 with 100,000 bonus points plus the 25K Global Companion Award after $6,000 in 90 days, and from April to early July 2026 it offered a 50% flight discount code on approval plus 100,000 points and the companion award after $6,500 in spend. Both have expired. An 80K-for-$4,000 version ran from October 2025 to April 2026 and again from July to September 2026.

At a conservative 1.5 cents per point valuation, the 70K public offer is worth roughly $1,050 in flights, plus the companion award on top. The 100K versions pushed that to $1,500+. It's the smallest bonus this card has offered, though its $3,000 spend requirement is also the lowest yet.

Scout's tip: Check your Alaska/Atmos account and the Alaska Airlines app for targeted offers before applying through the public link. And if you're not in a rush, it can pay to wait: this card has already hit 100K twice.

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 takes up to 25,000 points off a companion's award on Alaska, Hawaiian or any partner bookable at alaskaair.com, in any cabin — far more flexible than the regional companion fares on most airline cards.

Summit primary cardholders can also transfer points to hotel partners like Marriott Bonvoy and Shangri-La Circle (ratios vary by partner), but that's rarely the best use. 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.
• 8 Alaska Wi-Fi passes per year (2 per quarter, valid through the end of the quarter they're issued).
• Free first checked bag for cardholder + up to 6 guests on the same reservation.
• Preferred boarding on flights operated by Alaska, Horizon and SkyWest.
• 20% back on inflight purchases including food, premium beverages, and Wi-Fi.
• Up to $120 TSA PreCheck / Global Entry Credit: Statement credit every 4 years when you charge the application fee to your card.
• $50 instant travel delay credit when your Alaska or Hawaiian flight is canceled or delayed 2+ hours (book on alaskaair.com with the card; use the voucher within 48 hours).
• Visa Infinite benefits: Concierge service, luxury hotel collection access, travel and purchase protections, auto rental coverage.

The lounge pass system is generous — 8 visits per year at $65 per pass means $520 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 free checked bags and a $99 Companion Fare (once you spend $6,000 a year on it) without the premium price tag.