Bank of America
Atmos Rewards Summit Visa Infinite Credit Card
Large welcome offer worth an estimated $840
- Annual fee
- $395
- Welcome offer
- ~$840
- Annual benefits value
- $45
- Est. 1st-year value
- $885
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Is this card worth it for you?
Check the benefits you’d realistically use and see your personalized total value below. This is a personal estimate — actual value depends on your spending. Verify terms with the issuer.
- Selected benefits
- $670
- Welcome offer
- $840
- Annual fee
- −$395
- Estimated first-year net
- +$1,115
Welcome offer
Welcome offer value
Earn 60,000 points after $3,000 in spend within 3 months
$840
Spend requirements apply. Verify current offer with the issuer. How we calculate this
Benefits & credits
Total benefits & credits value
Estimated annual value of all tracked perks
$440
| Benefit | Frequency | Est. annual value |
|---|---|---|
8 Alaska Lounge Passes Eight Alaska Lounge day passes each year. Log each visit as you use it. | per_visit | $60 |
Global Companion Award Annual global companion award letting a companion fly on the same itinerary for a reduced rate after meeting spend requirements. | Annual | $300 |
10,000 Annual Bonus Atmos Points 10,000 bonus Atmos Rewards points awarded each account anniversary. | Annual | $140 |
$120 Global Entry/TSA PreCheck Credit Statement credit for a Global Entry or TSA PreCheck application fee, once every four years. | One-time | $120 |
$50 Travel Delay Credit $50 voucher for each qualifying Alaska flight delay of 2+ hours (or a cancellation within 24 hours of departure) on tickets booked directly with Alaska on the card. Log each qualifying delay. | per_visit | $50 |
Who it's for
Consider it if
- Large welcome offer worth an estimated $840
- Ongoing benefits can outweigh the annual fee if used
- Includes airport lounge access
Maybe skip it if
- Verify current terms with the issuer before applying
Fees & details
- Annual fee
- $395
- Foreign transaction fee
- Varies
- Card network
- Varies
- Recommended credit
- Good to Excellent (690+)
- Rewards currency
- Atmos Rewards
- Last updated
- 2026-07-25
Details are estimates and may be out of date. View issuer terms. Verify all rates, fees, and offers with the issuer before applying.
How it compares
| Annual fee | $395 | $895 | $895 |
|---|---|---|---|
| Welcome offer | ~$840 | ~$3,000 | ~$3,000 |
| Est. 1st-year value | $885 | $5,160.40 | $4,684 |
| Annual benefits value | $45 | $2,160.40 | $1,684 |
| Editor rating | 4.4 / 5 | 5.0 / 5 | 5.0 / 5 |
| Points earning structure | 1x points on all purchases |
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| Transfer partners | |||
| Lounge access | |||
| No foreign txn fee | |||
| Recommended credit | Good to Excellent (690+) | Good to Excellent (690+) | Good to Excellent (690+) |
