Atmos Rewards Summit Visa Infinite Card
Atmos Rewards Summit Visa Infinite Card is Bank of America’s premium Atmos Rewards credit card for travelers who frequently fly Alaska Airlines, Hawaiian Airlines, and their global airline partners.
Its key benefits are the Global Companion Award, 8 Alaska Lounge passes each year, and the ability to earn Atmos Rewards Status Points through card spending.
👉 Atmos Rewards Summit Visa Infinite Card – Apply Now
Benefits Overview
| Benefit | Details |
|---|---|
| Annual Fee | US$395 |
| Alaska Airlines / Hawaiian Airlines | 3X Points |
| Dining | 3X Points |
| Foreign Purchases | 3X Points |
| Other Purchases | 1X Point |
| BofA Relationship Bonus | Eligible BofA relationship → 10% bonus on card-earned Points |
| Global Companion Award | 25K-point award every account anniversary |
| US$60K Annual Spend | Additional 100K Global Companion Award |
| Alaska Lounge | 8 passes per year, 2 per quarter |
| Status Points | US$2 spent = 1 Status Point |
| Anniversary Status Points | 10,000 Status Points every account anniversary |
| Free Checked Bag | Cardholder + up to 6 companions on the same reservation |
| Preferred Boarding | Cardholder + up to 6 companions on the same reservation |
| Partner Award Booking Fee | Waived |
| Same-Day Confirmed Change Fee | Waived on eligible Alaska flights |
| Travel Delay Credit | US$50 on eligible delays or cancellations |
| Global Entry / TSA PreCheck | Up to US$120 every 4 years |
| Points Sharing | Share Points with up to 10 Atmos Rewards members |
| Foreign Transaction Fee | 0% |
Global Companion Award
Every account anniversary, cardholders receive a:
25,000-point Global Companion Award
Spend US$60,000 in a card anniversary year to earn an additional:
100,000-point Global Companion Award
This benefit can be especially valuable when redeeming Atmos Rewards Points for eligible international Business Class or First Class awards.
Earn Atmos Rewards Status Points
Summit Card spending earns:
US$2 = 1 Status Point
There is no annual cap on Status Points earned through eligible card spending.
Cardholders also receive:
10,000 Status Points every account anniversary
For travelers pursuing Atmos Rewards elite status, this is one of the card’s most valuable long-term benefits.
Bottom Line
The Summit Card’s core value is:
Global Companion Award + 8 Alaska Lounge Passes + Status Points from spending
For frequent Atmos Rewards users—especially those redeeming points for premium-cabin partner awards or pursuing elite status—the Summit Card offers benefits that the lower-tier Atmos cards do not.
Historical Welcome Offers
| Period | Welcome Offer | Spending Requirement |
|---|---|---|
| 2026–Present | 80K Points + 25K Global Companion Award | US$4,000 within 90 days |
| Aug 2025 Launch Offer | 100K Points | US$6,000 within 90 days |
👉 Atmos Rewards Summit Visa Infinite Card – Apply Now
Atmos Rewards Credit Cards Comparison
| Credit Card | Annual Fee | Key Benefits | Foreign Transaction Fee |
| Atmos Rewards Summit Visa Infinite Card | US$395 | 25K Global Companion Award, 8 Alaska Lounge Passes, 10K annual Status Points, US$2 = 1 Status Point | 0% |
| Atmos Rewards Ascent Visa Signature Card | US$95 | Companion Fare, free checked bag, Preferred Boarding, 3X Alaska / Hawaiian | 0% |
| Atmos Rewards Visa Signature Business Card | US$70 + US$25 per card | Companion Fare, free checked bag, Preferred Boarding, 3X Alaska / Hawaiian | 0% |
Bank of America Application Rules
Bank of America considers your credit history, recent new accounts, and existing banking relationship when reviewing credit card applications.
| Rule | Description |
| 2/3/4 Rule | Commonly reported limit of approximately 2 BofA cards in 2 months, 3 in 12 months, and 4 in 24 months |
| 3/12 Rule | Applicants without a strong BofA banking relationship may face stricter approval when they have opened 3 or more cards within the past 12 months |
| 7/12 Rule | Customers with an established Bank of America banking relationship may sometimes have more flexibility, commonly referred to as 7/12 |
| U.S. Credit History | BofA generally favors applicants with an established U.S. credit profile and banking relationship |
These are commonly reported application patterns rather than officially published approval guarantees. Actual approval decisions are determined by Bank of America.
For newcomers to the U.S. credit card market, Bank of America is generally not my first choice for establishing an initial U.S. credit history.
Can Foreigners Apply for Bank of America Credit Cards?
Yes, but establishing a U.S. credit history first can significantly improve the application path.
Foreign applicants generally need appropriate U.S. identification or tax information accepted by Bank of America, along with sufficient U.S. credit history. Having an ITIN alone does not guarantee approval.
For someone starting without a U.S. credit history, one practical route is:
Home-country Amex → Amex Global Card Relationship → U.S. Amex → Build U.S. Credit History → Bank of America
American Express Global Card Relationship may allow eligible existing Amex Card Members in supported countries to use their relationship with Amex when applying for a U.S. American Express Card.
After obtaining a U.S. Amex card and building credit history through responsible use, applying for a Bank of America Atmos Rewards Card may become more practical.
Having a Bank of America checking or savings account and establishing a banking relationship may also help with future BofA credit card applications.
AME Suggested Path:
Overseas Amex → U.S. Amex → Build Credit History → BofA Atmos Rewards
