Atmos Rewards Summit

Earn 100,000 bonus points, a 25,000-point Global Companion Award, and a 50% flight discount code when you spend $6,500 on purchases within your first 90 days. The flight discount applies to a qualifying future booking. Spend threshold must be met within the 90-day window to unlock all three rewards.

After opening your account, you'll receive a one-time code for 50% off a qualifying future flight. Apply the code at checkout when booking through the eligible channel as defined in the card terms.

Earn 1 point per $1 on every eligible purchase that doesn't fall into a bonus category. There's no cap on points, and the rate applies automatically to all other spending.

Earn a 10% bonus on all points from card purchases when you hold an eligible Bank of America account. The bonus is calculated on points earned each billing cycle and added automatically — no opt-in needed. Eligibility is based on your linked Bank of America account status.

Earn 3 points per $1 on Alaska Airlines, Hawaiian Airlines, and eligible dining purchases. The bonus rate applies automatically at qualifying restaurants and when purchasing directly from either airline — no enrollment needed.

Earn 3 points per $1 on any purchase made in a foreign currency, whether you're traveling abroad or shopping online with an international merchant. The elevated rate applies automatically with no activation required.

Earn 1 Atmos status point for every $2 spent on net purchases, and those points count toward qualifying for elite status tiers within Atmos Rewards. Annual fees and other excluded charges do not contribute to this earn rate.

Get up to $120 back as a statement credit to cover your TSA PreCheck or Global Entry application fee. Pay for the program with your card and the credit is applied automatically. Only one credit is available every four years.

Pay your TSA PreCheck or Global Entry application fee with this card and get up to $120 back as a statement credit. The credit refreshes every four years, so it can cover each renewal cycle.

Get 20% back as a statement credit on food, drinks, and Wi-Fi purchased onboard Alaska Airlines flights when you pay with this card. The rebate applies to in-flight purchases only.

Get a $50 statement credit when your flight is cancelled or delayed by 2 hours or more. The credit applies per qualifying event and covers incidental costs during the delay. You must have paid for the flight with your card.

Every account anniversary, you receive a Global 25K Companion Award that takes up to 25,000 points off a published award ticket for a travel companion. The companion must be on the same itinerary as you.

Spend $60,000 or more on purchases within an anniversary year and earn a Global 100K Companion Award — worth up to 100,000 points off a published award ticket for a companion traveling on your same itinerary.

Get one free checked bag and preferred boarding for yourself and up to 6 guests on the same reservation when you pay for your Alaska Airlines or Hawaiian Airlines flight with your card. The benefit applies per flight segment and covers the first checked bag only. All guests must be on the same booking to qualify.

Get one free checked bag for yourself and up to 6 guests on the same reservation when flying Alaska Airlines or Hawaiian Airlines. Pay for the flight with your Atmos Rewards Summit card to activate this benefit.

The standard fee charged when booking partner airline awards using Atmos points is waived automatically when you book through the Atmos Rewards portal with your card. This can save up to $25 per person on round-trip partner award flights.

Get enhanced perks at Relais & Châteaux properties worldwide, which can include room upgrades, complimentary breakfast, and late checkout. Present your card or benefit credentials at check-in to activate the privileges.

Same-day confirmed flight change fees on Alaska Airlines flights are waived for cardholders, saving up to $75 per change. Request the change at the airport or via Alaska's app or website on the day of travel. The waiver applies only to same-day confirmed changes, not same-day standby.

Get premium perks at Visa Infinite Luxury Hotel Collection properties, including daily breakfast for two, automatic room upgrades, and late checkout. Book through the Visa Infinite portal using your card to activate the benefits. Upgrades and late checkout are subject to availability at each property.

When booking an award flight on a partner airline using Atmos points, the per-person booking fee — up to $25 per person on a round trip — is waived. This applies to partner airline redemptions only, not direct Atmos flights.

Access preferred restaurant reservations at participating venues in select US, Canada, and Mexico cities through the Visa Dining Collection on OpenTable. Use your card details when booking through the OpenTable portal to unlock preferred availability.

Get 8 Alaska Lounge day passes per calendar year to use at Alaska Lounge locations. Passes are distributed as 2 per quarter, so unused passes from one quarter don't roll over to the next. Guests on the same reservation may use your passes.

During each Alaska Lounge visit, get up to 2 complimentary signature cocktails or elevated bar selections through 2026. Show your physical Atmos Rewards Summit card or digital wallet card to the lounge bartender to redeem.

Get 10,000 Atmos Rewards status points added to your account on each card anniversary to help you reach or maintain a higher membership tier. Status points count toward your tier qualification but are separate from redeemable rewards points. The boost is credited automatically each anniversary year.

Earn 1 Atmos elite status point for every $2 spent on purchases, plus an automatic 10,000 status point bonus on each account anniversary. These points count toward qualifying for Atmos Rewards elite tiers.

This card comes with complimentary Avis President's Club membership, which includes expedited service, guaranteed car availability, and up to 30% off base rates on qualifying rentals. Book through the Avis benefit portal and pay with your card to access these perks.

Cardholders receive Hertz Gold Plus Rewards benefits, including counter bypass service, special discounts, and bonus points on rentals. Enroll in Gold Plus Rewards and pay with your card to access these perks.

Receive complimentary National Car Rental Emerald Club Executive membership, which lets you pick your car from the Executive Aisle and save up to 25% on rentals. Enroll through the benefit portal and pay with your card to access the savings.

This card provides primary collision damage waiver coverage on rental cars, meaning you don't need to file with your personal auto insurer first. Just decline the rental company's own CDW and pay with your card to activate coverage.

Get complimentary status upgrades, VIP amenities, and discounts at Avis, Hertz, and National through the Visa Infinite program. Book through the Visa Infinite portal or the respective rental company's loyalty program to access the benefits. Availability may vary by location.

If your Alaska Airlines flight is cancelled or delayed by 2 or more hours, you automatically receive a $50 credit to your card account. The credit can be used toward future eligible Alaska Airlines purchases.

If your checked bags are delayed more than six hours, this benefit reimburses up to $100 per day for essential purchases, for a maximum of five days ($500 total). You must have paid for the flight with your card to qualify.

Covers up to $100,000 for emergency medical evacuation, transport to an appropriate medical facility, or repatriation of remains when you travel on a trip paid for with your card.

If your checked or carry-on luggage is lost or stolen on a common-carrier trip paid with your card, you can be reimbursed up to $3,000 per trip. New York residents have a separate per-bag limit of $2,000.

Covers you and eligible family members traveling on the same itinerary for up to $1,000,000 in accidental death and dismemberment benefits when you pay for common-carrier travel with your card.

If your trip is cancelled or cut short due to a covered reason such as illness or severe weather, this benefit reimburses up to $2,500 per trip for prepaid, non-refundable expenses. Pay for the trip with your card to activate coverage.

If your trip is delayed 6 hours or more, this benefit reimburses up to $500 per ticket for necessary expenses like meals and lodging. You must have paid for the ticket with your card to be eligible.

Eligible purchases made with this card that come with a US manufacturer's warranty receive one additional year of coverage at no cost. Claims are covered up to $10,000 per item.

If your identity is stolen, this benefit reimburses up to $15,000 in out-of-pocket costs incurred while restoring it. Eligible expenses include legal fees, lost wages, and document replacement costs.

Eligible items purchased with this card are covered against accidental damage or theft for 90 days from the purchase date, with reimbursement of up to $10,000 per claim.

If a merchant won't accept a return on an eligible item you bought with this card, you can be reimbursed up to $300. Claims must be filed within 90 days of the original purchase date.

Get 24/7 access to a personal concierge who can help with event tickets, restaurant reservations, travel arrangements, and more. Reach the service by phone any time at no extra charge — you only pay for whatever is booked on your behalf. Available to all Atmos Rewards Visa Infinite cardholders.

This card charges no foreign transaction fees on purchases made outside the US. The benefit applies automatically — you don't need to do anything at the time of purchase.

Pool your Atmos points with up to 10 other Atmos Rewards members through a two-way sharing network, making it easier to reach award thresholds together. Only the primary cardholder can initiate or receive shares through this benefit.