Card details · Bank of America
Atmos Rewards Summit Visa Infinite Credit Card review: fees, rewards and APR
The Atmos™ Rewards Summit Visa Infinite® Credit Card is a credit card from Bank of America with a $395 annual fee. By our overall score it ranks #47 of the 294 credit cards we rank (store-only cards excluded), and #3 of 25 Bank of America cards. It is listed in our dining and airline rankings.
Key facts
- Issuer
- Bank of America
- Network
- Visa
- Annual fee
- $395
- Welcome offer
- Earn 70,000 bonus points and a 25,000-point Global Companion Award after spending $3,000 or more on purchases within the first 90 days of opening your account.
- Foreign transaction fee
- None
- Our overall score
- 60 (#47 of 294 cards)
Sign-up bonus history
Below the highest offer we’ve tracked (80,000 points)
- Current offer
- 70,000 points
Earn 70,000 bonus points and a 25,000-point Global Companion Award after spending $3,000 or more on purchases within the first 90 days of opening your account. - Highest tracked since April 2026
- 80,000 points
Limited time online offer: Earn 80,000 bonus points and a 25,000 point Global Companion Award. To qualify, spend $4,000 or more on purchases within the first 90 days o… - Lowest tracked since April 2026
- 70,000 points
Earn 70,000 bonus points and a 25,000-point Global Companion Award after spending $3,000 or more on purchases within the first 90 days of opening your account. - Changes tracked
- 1
Show each tracked change
| Date | Headline amount | Offer as recorded |
|---|---|---|
| Apr 22, 2026 | 80,000 points | Limited time online offer: Earn 80,000 bonus points and a 25,000 point Global Companion Award. To qualify, spend $4,000 or more on purchases within the first 90 days o… |
| Oct 14, 2026 | 70,000 points | Earn 70,000 bonus points and a 25,000-point Global Companion Award after spending $3,000 or more on purchases within the first 90 days of opening your account. |
We compare each offer’s headline bonus amount and track it since April 2026 (earlier history is not covered). Spend requirements and time windows may have changed too. Past offers don’t predict future ones. Methodology.
Rewards
- 3 points per $1 on Alaska Airlines, Hawaiian Airlines, foreign transactions and dining
- 1 point on all other purchases. Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account
Benefits and notes
Annual 25,000-point Global Companion Award; 8 Alaska Lounge passes + 8 WiFi passes/year; $50 instant travel delay credit; $120 TSA PreCheck/Global Entry every 4 years; No change fees same-day Alaska flights; Free checked bag (cardholder +6 guests)
Where it ranks
- Overall: #47 of 294 cards (score 60)
- Bank of America credit cards: #3 of 25
- Dining cards: #5 of 67 by our dining score
- Airline cards: #31 of 39 by our airline score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Bank of America’s own site) as of October 21, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the Atmos Rewards Summit Visa Infinite Credit Card?
$395, as stored in our database. Confirm the current fee on Bank of America’s site.
Does the Atmos Rewards Summit Visa Infinite Credit Card have a welcome bonus?
Our database lists this offer: Earn 70,000 bonus points and a 25,000-point Global Companion Award after spending $3,000 or more on purchases within the first 90 days of opening your account. Offers change often and terms apply.
Does the Atmos Rewards Summit Visa Infinite Credit Card have a 0% intro APR?
Our database lists no intro APR offer for this card.
Does the Atmos Rewards Summit Visa Infinite Credit Card charge foreign transaction fees?
Our database lists no foreign transaction fee for this card.
How does the Atmos Rewards Summit Visa Infinite Credit Card rank on YourBestCards?
#47 of 294 cards by our overall score (60). In our category lists: #5 of 67 dining cards; #31 of 39 airline cards.
What is the highest Atmos Rewards Summit Visa Infinite Credit Card sign-up bonus you have tracked?
Since April 2026, the highest headline amount we have tracked is 80,000 points and the lowest is 70,000 points, across 1 change. The current offer is 70,000 points. This only covers the period we have tracked; terms apply.
Other top Bank of America cards
- Unlimited 3 points for every $1 spend on eligible Alaska Airlines and Hawaiian Airlines purchases
- Unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit purchases, including rideshare
- Unlimited 1 point for every $1 spent on all other purchases
- Annual fee
- $95
- Welcome offer
- Limited-time online offer: Get 50,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $1,500 or more on purchases within the first 90 days of opening your account.
- 3% cash back + 3% first-year cash back bonus in the category of your choice including gas and EV charging station, online shopping/cable/streaming/internet/phone plans, dining, travel, drug store/pharmacy, or home improvement/furnishings purchases
- 2% cash back at grocery stores and wholesale clubs
- 1% cash back on all other purchases
- Annual fee
- $0
- Welcome offer
- Earn $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening and 6% cash back in the category of your choice – for the first year.
- Intro APR
- purchases 15 months · balance transfers 15 months
- 3 Miles per $1 spent directly on Air France, KLM, and other SkyTeam member airlines
- 1.5 Miles per $1 spent on all other purchases
- Annual fee
- $89
- Welcome offer
- Online offer: 50,000 Bonus Miles + 100 Experience Points (XP) after you make $2,000 or more in purchases within the first 90 days of your account opening
- #5
Business Advantage Customized Cash Rewards credit card
Score 58- 3% cash back in the category of your choice
- 2% cash back on dining purchases and unlimited 1% cash back on all other purchases. You’ll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- Annual fee
- $0
- Welcome offer
- $500 cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening
- Intro APR
- purchases 7 months
- 3 points per $1 spent on Alaska Airlines and Hawaiian Airlines
- 2 points on gas/EV/shipping/transit
- 1 point on all other purchases
- Annual fee
- $70
- Welcome offer
- Get 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after you make $4,000 or more in purchases within the first 90 days of opening your account.
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.