Atmos™ Rewards Summit Visa Infinite®
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How we calculate effective rate →
The Atmos™ Rewards Summit Visa Infinite® from Bank of America earns up to 1.8% effective value on dining in Madeen's catalog snapshot. Its annual fee is $395. New applicants may see: Receive a 50% flight discount code for a qualifying future flight after opening your account. Additionally, earn 100,000 bonus points and a 25,000-point Global Companion Award after spending $6,500 or more on purchases within the first 90 days of opening your account..
- Top category
- Dining
- Effective value
- 1.8%
- Annual fee
- $395
Best for dining-heavy spend when the $395 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the Atmos™ Rewards Summit Visa Infinite earn in each category?
Dining is the strongest category at 1.8% effective value (1x miles at about 1.8 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Atmos™ Rewards Summit Visa Infinite compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.8% effective value (1x miles at about 1.8 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Atmos™ Rewards Summit Visa Infinite compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x miles | 1.8% Top category |
| Grocery Supermarkets and grocery stores | 1x miles | 1.8% |
| Gas Gas stations and fuel | 1x miles | 1.8% |
| Travel Flights, hotels, transit | 1x miles | 1.8% |
| Other General everyday spend | 1x miles | 1.8% |
Madeen values Alaska Airlines Atmos Rewards at about 1.8 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Atmos™ Rewards Summit Visa Infinite?
The Atmos™ Rewards Summit Visa Infinite fits spenders who put meaningful volume in dining and can earn 1x miles. Best for spenders who put meaningful volume in dining and can earn 1x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Atmos™ Rewards Summit Visa Infinite fits spenders who put meaningful volume in dining and can earn 1x miles. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Less compelling if the $395 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $395 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.8% effective (1x miles).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $395 annual fee requires enough spend in bonus categories to offset.
- Alaska Airlines Atmos Rewards value depends on how you redeem, not straight cash back.
What is the Atmos™ Rewards Summit Visa Infinite welcome bonus?
In Madeen's catalog snapshot, the Atmos™ Rewards Summit Visa Infinite welcome offer is Receive a 50% flight discount code for a qualifying future flight after opening your account. Additionally, earn 100,000 bonus points and a 25,000-point Global Companion Award after spending $6,500 or more on purchases within the first 90 days of opening your account.. Minimum spend, eligibility, and offer.
- Offer
- 100k Alaska Airlines Atmos Rewards (~$1800 estimated)
- Terms (catalog snapshot)
- Receive a 50% flight discount code for a qualifying future flight after opening your account. Additionally, earn 100,000 bonus points and a 25,000-point Global Companion Award after spending $6,500 or more on purchases within the first 90 days of opening your account.
- Minimum spend
- $6,500
- Window
- 90Days
Does the Atmos™ Rewards Summit Visa Infinite have an annual fee?
The Atmos™ Rewards Summit Visa Infinite has an annual fee of $395 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $395
- Foreign transaction fee
- None
What travel perks does the Atmos™ Rewards Summit Visa Infinite include?
The Atmos™ Rewards Summit Visa Infinite includes Trusted traveler credit, Free checked bag, 1 status point per $2 spent on purchases, 10% rewards bonus and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
Get an Airport Security Statement Credit of up to $120 every four years in connection with the TSA PreCheck® or Global Entry trusted traveler programs.
Free checked bag
Free checked bag for you and up to 6 guests on the same reservation when airfare is purchased with your card.
What benefits come with the Atmos™ Rewards Summit Visa Infinite?
Visa Infinite Concierge Services
$150/yrEnjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
Eight Alaska Lounge day passes
$99/yrReceive two Alaska Lounge day passes each quarter for access to any Alaska Lounge before your flight. Each pass is valid for your entire travel day, so you can access multiple lounges along your journey and includes entry for up to two accompanying children. For our existing Alaska Lounge members, these passes can be shared with family and friends.
Free checked bag
$60/yrFor you and up to 6 guests on the same reservation when airfare is purchased with your card.
Trip Cancellation / Interruption
$35/yrWhen you purchase your travel ticket with a covered Visa card and you must cancel or interrupt your trip, this benefit can help reimburse for the non-refundable cost of your passenger fare. This coverage applies to more than air travel. It also can be in place when a covered Visa card is used to purchase a ticket for travel via other forms of eligible transportation, such as a ferry, rail, bus or cruise ship.
10% rewards bonus
$25/yrEarn 10% more points on all card purchases with a qualifying Bank of America® account.
20% back onboard
$25/yrGet 20% back on Wi-Fi, drinks, and meals on Alaska Airlines and Hawaiian Airlines flights when you pay with your card.
Preferred boarding
$25/yrFor you and up to 6 guests on the same reservation when you pay with your card.
Travel delay protection
$25/yrWe’ve got you covered. If your Alaska Airlines flight has a same-day cancellation or delay of 2+ hours for any reason, you'll receive a $50 electronic voucher.
Global Entry Statement Credit
$25/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Infinite card to pay the application fee (currently $120) to receive a $120 statement credit.
Auto Rental Collision Damage Waiver
$10/yrWhen you use your covered Visa card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You can be covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the Collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract.
Golf Benefits from Troon Rewards®
$10/yrYour Visa Infinite card entitles you to automatic Platinum Status when you sign up for Troon Rewards®, for 20% saving on golf fees, merchandise and lessons at over 150 golf courses across the United States and world.
Relais & Châteaux
$10/yrVisa Infinite cardholders receive special privileges from Relais & Châteaux, a highly prestigious association of approximately 500 luxury properties worldwide.
Related encyclopedia topics
Common questions about the Atmos™ Rewards Summit Visa Infinite
Is the Atmos Rewards Summit Visa Infinite card worth it?
The Atmos™ Rewards Summit Visa Infinite® from Bank of America earns up to 1.8% effective value on dining in Madeen's catalog snapshot. Its annual fee is $395. New applicants may see: Receive a 50% flight discount code for a qualifying future flight after opening your account. Additionally, earn 100,000 bonus points and a 25,000-point Global Companion Award after spending $6,500.
How much is 70,000 Alaska miles worth in dollars?
Dining is the strongest Madeen category for the Atmos™ Rewards Summit Visa Infinite at about 1.8% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Atmos™ Rewards Summit Visa Infinite have an annual fee?
The Atmos™ Rewards Summit Visa Infinite carries an annual fee of $395 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Atmos™ Rewards Summit Visa Infinite?
Dining is the strongest Madeen category for the Atmos™ Rewards Summit Visa Infinite at about 1.8% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Atmos™ Rewards Summit Visa Infinite charge foreign transaction fees?
The Atmos™ Rewards Summit Visa Infinite does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Atmos™ Rewards Summit Visa Infinite welcome bonus?
The Atmos™ Rewards Summit Visa Infinite welcome offer in our snapshot: Receive a 50% flight discount code for a qualifying future flight after opening your account. Additionally, earn 100,000 bonus points and a 25,000-point Global Companion Award after spending $6,500 or more on purchases within the first 90 days of opening your account.. Minimum spend, eligibility, and offer windows are.
How does the Atmos™ Rewards Summit Visa Infinite compare to similar cards?
Compare the Atmos™ Rewards Summit Visa Infinite against AMSA Customized Cash Rewards Card (3% on Dining, $0 fee); Bank of America Customized Cash Rewards (3% on Dining, $0 fee); Bank of America Customized Cash Rewards for Students (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Atmos™ Rewards Summit Visa Infinite This card | Dining | 1.8% | $395 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Side-by-side comparisons
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Bank of America and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Bank of America. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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