Link: Learn more about the Atmos™ Rewards Summit Visa Infinite® Credit Card
We recently saw the launch of the $395 annual fee Atmos™ Rewards Summit Visa Infinite® Credit Card (review), which is the new premium personal credit card of Alaska & Hawaiian, coinciding with the introduction of the Atmos Rewards program.
There are lots of reasons to get this card, from a huge welcome bonus, to the ability to spend your way toward status, to the great perks, ranging from Global Companion Awards, to Alaska Lounge passes, to waived partner award booking fees, to free points sharing. It’s a card I’ve already applied for.
I recently wrote about the card’s primary rental car coverage, which is a valuable perk that many people look for in a premium credit card. Related to that, I’d like to talk about the travel protection offered by the card, for things including delayed flights, lost bags, and more. After all, this is a card you may very well want to use for travel purchases, so it’s worth understanding what the benefits are.
In this post:
Travel protection for delayed flights, lost bags, and more
One thing that travelers should look for in a premium credit card is good travel protection, for things like trip interruption, lost or delayed bags, etc. Fortunately, the Atmos Rewards Summit Card offers pretty strong perks in this regard, so you shouldn’t hesitate to put airfare and other travel purchases on this card.
To start, let me emphasize that you should always consult the cardholder benefits guide, since these benefits are subject to change. You can access that by logging into your account, going to the “Statements & Documents” section, and then clicking on “Your Cardholder Benefits Guide,” which will then populate a PDF.
The Atmos Rewards Summit Card is a Visa Infinite Card, so it offers the type of travel coverage you’d expect to find on such a premium card. While I’ll post the cardmember agreement below, let me cover the most important types of travel coverage offered by the card, as I see it.
The card offers the following coverage (in all cases, consult the guide to benefits, because there are important terms):
- Emergency evacuation and transportation — the card offers up to $100,000 in coverage if you need to be evacuated while traveling, though this coverage is supplemental to any other plans you may have
- Trip cancellation and trip interruption coverage — the card offers up to $2,500 in coverage if you’re prevented from starting or completing a trip due to accidental injury, disease, or physical illness (either for yourself or an immediate family member)
- Trip delay reimbursement — the card offers up to $500 in coverage if your flight is delayed by six or more hours, or requires an overnight, due to an airline delay or cancellation
- Lost luggage reimbursement — the card offers up to $3,000 in coverage ($2,000 for New York residents) if your bag is lost by an airline due to theft or misdirection
- Baggage delay reimbursement — the card offers up to $100 per day in coverage (for up to five days) if your bag is delayed by an airline for more than six hours, in order to purchase essentials, like toiletries, chargers, clothing, etc.
Again, make sure you read the actual guide to benefits, because there are lots of terms, and the above is just a high level summary. But my point is to explain that this card does offer solid protection, in line with other top premium cards.
Let me also emphasize that in most situations (like with trip delay reimbursement and baggage delay reimbursement), you’re eligible for the coverage as long as you purchase at least a portion of your entire ticket with the card. In other words, if you’re redeeming Atmos Rewards points for a flight, you’d be covered as long as you charge the taxes and fees to your card.
Why this kind of travel credit card coverage is valuable
Broadly speaking, there’s huge value in having a card with premium travel coverage, and that’s an area where the Atmos Rewards Summit Card checks all the boxes.
On the most basic level, I find the trip delay reimbursement and baggage delay reimbursement to be the most valuable, given the frequency with which that comes in handy. If you travel with any frequency, you’re going to have flights where things go wrong, and this benefit could save you hundreds.
I think what’s specifically worth calling out is that if you redeem Atmos Rewards points with any frequency, you’re going to want to pay the taxes and fees with the Atmos Rewards Summit Card, given that it waives the $12.50 partner award booking fee. So you can put the taxes and fees on the card, and still be assured that you’ll get that useful travel coverage.
Another thing worth pointing out is that there’s merit to putting all kinds of travel purchases on the Atmos Rewards Summit Card, given that it offers 3x points on foreign purchases, with the potential to earn an additional 10% points relationship bonus points.
So yeah, I very much appreciate the card’s combination of being very rewarding for a lot of travel spending, while also offering great coverage on those purchases.
Atmos Rewards Summit Card cardholder benefits guide
In the interest of being thorough, let me just share the cardholder benefits guide below. This is the current guide as of October 2025, and you can open any of the pictures in a new window to view a higher resolution version.
Bottom line
The Atmos Rewards Summit Card offers valuable travel protection, including for emergency evacuation, trip cancellation and interruption coverage, trip delay reimbursement, lost luggage reimbursement, baggage delay reimbursement, and more.
This is more or less in line with the coverage you’ll find on the best cards out there. The good news is that most of the flight coverage applies as long as you charge a portion of your ticket to the card, which includes just paying taxes on the card for an Atmos Rewards award ticket.
What do you make of the Atmos Rewards Summit Card travel protection benefits?
For the love of God, use a card that has a great travel insurance, or buy a travel insurance. I work in the travel industry, and I can't count how many people cancel because they're sick and don't have an insurance. When you pay a common carrier (airline, bus, train) and your hotel with your card, typically it will be covered. But paying for the hotel with the card alone will not be covered by...
For the love of God, use a card that has a great travel insurance, or buy a travel insurance. I work in the travel industry, and I can't count how many people cancel because they're sick and don't have an insurance. When you pay a common carrier (airline, bus, train) and your hotel with your card, typically it will be covered. But paying for the hotel with the card alone will not be covered by the insurance.
This Atmos card has a $2500 coverage, a small amount compared to Amex Plat or CSR, but it's better than nothing.
I wonder, with the evacuation benefits, where would a US citizen in the US get evacuated to when our dear leader decends on the states that he saw last night on his imaginary tv?
I suppose at this current moment, Israel would be happy to receive refugees from the US, but where else and how will the policy work?
Wow, you stretch a travel card article into your TDS.
How would you rank these benefits against other cards?
@ Christian -- I would say it's competitive with other premium cards offering useful travel protection. There's nothing that stands out to me as being particularly better or worse than products like the Sapphire Reserve, for example. Also keep in mind that many premium cards don't offer great travel coverage, so in that sense, this is definitely superior.
Biggest difference to me is I believe CSR and Amex Plat have $10,000 in trip cancellation coverage. This product offers $2500. $2500 of coverage is still competitive and good, but if you are booking a business class fare which is more than $2500, something to be aware of.
This card does have $1M of travel accident insurance, which CSR also has. Amex Plat does not.
Amex Plat has no limit on emergency evacuation and you...
Biggest difference to me is I believe CSR and Amex Plat have $10,000 in trip cancellation coverage. This product offers $2500. $2500 of coverage is still competitive and good, but if you are booking a business class fare which is more than $2500, something to be aware of.
This card does have $1M of travel accident insurance, which CSR also has. Amex Plat does not.
Amex Plat has no limit on emergency evacuation and you don't even have to pay with the Amex. This one and CSR have $100k limit.
Differences between the cards for sure, but as you note, in general circling around the same square.
The differences are usually in the fine print. Some cards cover the financial insolvency of the travel provider, most don't. For trip interruption, the insurance from Chase does not cover an increase in airfare or a new ticket to get you home. Amex does, limited to an economy ticket.
The coverage limit for Chase is the fixed limit per card (e.g. $10000) or the amount charged to the card -which ever is less.
This does...
The differences are usually in the fine print. Some cards cover the financial insolvency of the travel provider, most don't. For trip interruption, the insurance from Chase does not cover an increase in airfare or a new ticket to get you home. Amex does, limited to an economy ticket.
The coverage limit for Chase is the fixed limit per card (e.g. $10000) or the amount charged to the card -which ever is less.
This does not even take into account how customer friendly the claims process is.
I have a $13,000 claim pending from a different VISA Infinite card. I would not describe the claims process for Visa Infinite (all handled by Allianz) as "customer friendly."