Atmos Rewards Summit Visa Card: The Most Lucrative Premium Airline Card?

Link: Learn more about the Atmos™ Rewards Summit Visa Infinite^® Credit Card

Atmos Rewards launched in August 2025, as the combined loyalty program of Alaska & Hawaiian. To coincide with that, we saw the airline group launch a new premium credit card, named the Atmos™ Rewards Summit Visa Infinite^® Credit Card (review), issued by Bank of America.

I’m not exaggerating when I say that this $395 annual fee card might just be the most interesting and compelling credit card that we’ve seen launched in a long time, and perhaps the most lucrative airline credit card we’ve seen… possibly ever?

What stands out to me about the card is how it’s definitely worth applying for, it’s worth holding onto even without spending, and it’s even worth spending a lot on. That makes this card a slam dunk, if you ask me.

In this post, I’d like to share 16 reasons you should consider picking up the new Atmos Rewards Summit Card. This list is by no means exhaustive, but these are the perks that excite me the most.

Bonus of 80K points & 25K-point Global Companion Award

The Atmos Rewards Summit Card is offering a two-part limited time welcome offer, which you can unlock after spending $4,000 within the first 90 days. Specifically, you can earn:

• 80,000 Atmos Rewards points
• A 25,000-point Global Companion Award

Personally, I value Atmos Rewards points at roughly 1.5 cents each, and I’d consider the Global Companion Award (which I’ll talk more about below) to basically be worth face value. So I’d consider 105,000 Atmos Rewards points to be worth around $1,575.

Eligibility for this card is unrelated to having any other co-branded Atmos Rewards credit card. So if you’re an existing cardmember with another product, like the Atmos™ Rewards Ascent Visa Signature® credit card (review) or Atmos™ Rewards Visa Signature® Business Card (review), you can still apply outright and earn the bonus. While it might be possible to product change as well, you won’t be eligible for the bonus then. Separately, I’ve shared my experience getting approved for the card.

Annual 25K-point Global Companion Award

The Atmos Rewards Summit Card offers a 25,000-point Global Companion Award on the account anniversary every year, without any sort of a spending requirement. This can be used toward a companion award ticket, either on Alaska, Hawaiian, or a partner airline, and it’s valid for 12 months from when it’s issued.

Of course there needs to be award space for at least two people, but as long as that’s the case and the award costs at least 25,000 points per person, you can get the full value out of that. If you ask me, that Global Companion Award alone more or less justifies the annual fee.

Annual 100K-point Global Companion Award with $60K spending

In addition to the 25,000-point Global Companion Award, the Atmos Rewards Summit Card also offers a 100,000-point Global Companion Award when you spend $60,000 on the card in an anniversary year.

This is a massive incentive to put spending on the card, because if you were to value that certificate at close to face value, it’s the equivalent of earning an incremental 1.67 points per dollar spent. What makes this even more exciting is that the card has incredible bonus categories for spending, plus spending counts toward elite status, so there are really some triple dipping opportunities.

Annual 10,000 Atmos Rewards status points boost

If you’re going for status in the Atmos Rewards program, the Atmos Rewards Summit Card offers 10,000 Atmos Rewards status points on your account anniversary every year, simply for having the card. As a reminder, Atmos Rewards elite requirements are currently as follows:

• Atmos Silver (oneworld Ruby) requires 20,000 status points
• Atmos Gold (oneworld Sapphire) requires 40,000 status points
• Atmos Platinum (oneworld Emerald) requires 80,000 status points
• Atmos Titanium (oneworld Emerald) requires 135,000 status points

This is a nice boost, but that’s only the start of the ability to earn status points with the card.

Earn Atmos Rewards status points with spending

If you’re looking to earn elite status in the Atmos Rewards program, then you’re going to want to have the Atmos Rewards Summit Card, as the card offers one Atmos Rewards status point per $2 spent. That’s in addition to the 10,000 status points boost that you receive every year.

This certainly makes it easier to earn elite status. Best of all, keep in mind that spending $60,000 also earns you that 100,000-point Global Companion Award, so I’d view this in terms of the big picture value proposition. With Atmos Rewards also offering status points for taking award flights, elite status can be earned pretty quickly.

3x Atmos Rewards points on all foreign purchases

The Atmos Rewards Summit Card offers 3x points on eligible foreign transactions, with no caps. This includes purchases made in a foreign currency, plus purchases made in US dollars if the transaction is made or processed outside of the United States. If you have an eligible Bank of America account you can receive a further 10% relationship bonus, for 3.3x points per dollar spent.

This is an absolutely unheard of bonus category, as we’ve never seen a card be this outright generous for all foreign purchases. When you consider the overall value of Atmos Rewards points, this is just a next-level rewards structure.

As mentioned above, best of all, you have some triple dipping opportunities here, as the spending counts toward elite status and toward the Global Companion Award.

3x Atmos Rewards points on dining & select airfare

While not as remarkable as the bonus on foreign purchases, the Atmos Rewards Summit Card also offers 3x points on dining purchases, as well as Alaska and Hawaiian flight purchases. As above, if you have an eligible Bank of America account, you can receive a further 10% relationship bonus, for 3.3x points per dollar spent.

That’s a very well rounded return on that spending, and many people will find it worthwhile to put those purchases on this card.

3x Atmos Rewards points on rent for 3% fee

Bilt & Atmos Rewards have a partnership, and with this, there’s an opportunity to earn Atmos Rewards points for rent payments at a lucrative rate. Specifically, you can use the Atmos Rewards Summit Card to pay your rent for a 3% fee, and earn 3x Atmos Rewards points on that spending, on up to $50,000 per calendar year.

It’s essentially a way to generate Atmos Rewards points for a penny each, which is pretty great. This benefit is exclusive to personal Atmos Rewards credit cards, so it could be a reason to consider picking up this product.

Atmos Rewards upgrade priority on Alaska & Hawaiian

If you’re looking to receive a complimentary elite upgrade on Alaska or Hawaiian, there’s a hierarchy in which upgrades clear. Upgrades first clear by elite tier, then they clear by million miler status, then they clear based on whether you have the Atmos Rewards Summit Card, and then they clear based on status points over the past year, time of booking, etc.

So if you care about your upgrade clearing, having this card could soon give you a significant edge. Or I suppose to look at it differently, if this card becomes really popular, not having this card would put you at a real disadvantage.

Eight Alaska Lounge passes annually

The Atmos Rewards Summit Card offers eight Alaska Lounge passes annually. The way this works, primary cardmembers will have two Alaska Lounge passes credit to their Atmos Rewards account each calendar quarter.

Lounge passes are valid through the end of the quarter in which they’re issued, and each is valid for access to Alaska Lounges on a single calendar day, in conjunction with a same day flight operated by Alaska, Hawaiian, a oneworld airline, or an Alaska global partner. Each pass is valid for one adult, plus accompanying children.

Eight Alaska inflight Wi-Fi passes annually

The Atmos Rewards Summit Card offers eight Alaska inflight Wi-Fi passes annually. The way this works, primary cardmembers will have two Alaska Wi-Fi passes credit to their Atmos Rewards account each calendar quarter.

Wi-Fi passes are valid through the end of the quarter in which they’re issued, and each is valid for connectivity for an entire flight. Do keep in mind that Alaska is rolling out Starlink Wi-Fi over the next couple of years, at which point this perk will no longer be worth a whole lot.

Partner redemption booking fee waiver

The primary cardmember on the Atmos Rewards Summit Card is eligible for a waiver of the $12.50 partner award booking fee that applies for all partner redemptions. This $12.50 fee is ordinarily charged per person for each direction of travel.

All reservations made using the primary cardholder’s Atmos Rewards account are eligible for this benefit, including reservations with multiple travelers, where the primary cardholder is not a traveler.

I know this might not sound that exciting to some, but as someone who redeems Atmos Rewards points on American constantly (I’ve booked dozens of American awards through Alaska over the past year), this is worth hundreds of dollars per year to me.

Share Atmos Rewards points with others for free

Having the Atmos Rewards Summit Card allows you to share your points with other Atmos Rewards members at no cost. Specifically, you can link your account to up to 10 other Atmos Rewards accounts (they can belong to friends and family), and can then transfer points back and forth at no cost).

This is such a great perk, since it makes it easy to consolidate points in one account. It’s also a major incentive for families to credit flights to Atmos Rewards, since points rack up a lot faster if you can consolidate them all in a single account.

Alaska $50 instant travel delay credit

If the primary cardmember on the Atmos Rewards Summit Card experiences a same day flight departure delay of two or more hours, or a same day flight cancellation, on an Alaska flight, they’ll receive a $50 voucher, valid for 48 hours from issuance.

This is valid for select merchants, and the idea is that you can use the voucher to get food or drinks at the airport, among other things. We’ve never seen an airline card offer a perk like this before, so I’d consider that to be pretty awesome.

Alaska same-day flight change fee waiver

The primary cardmember on the Atmos Rewards Summit Card is eligible for free same day confirmed changes. If the primary cardholder’s flight is within 24 hours, you may be able to change your flight with no fees or fly standby for free, when that would otherwise cost up to $50. Note that saver fares are not eligible for same day confirmed changes.

Valuable rental car and travel protection

The Atmos Rewards Summit Card is a Visa Infinite Card, so it offers a lot of valuable protection for travel purchases. For example, the card offers primary rental car coverage, which is a perk worth looking for with a premium card. The card also offers travel coverage for delayed flights, lost bags, and more. As far as I’m concerned, that makes this an excellent card for all kinds of travel purchases, including airfare spending.

Bottom line

Alaska’s $395 annual fee Atmos Rewards Summit Card is incredibly lucrative. It’s the most interesting airline card we’ve seen in as long as I can remember, and I’d also say it’s one of the most generous.

If you’re into miles & points and are eligible for the card, there’s simply no reason not to apply. The card has a fantastic welcome bonus, it can be lucrative to hold onto without spending, and it can also be very worthwhile to actually spend money on the card.

This is just such a well thought out product. It’s not only lucrative for consumers, but I also think it will drive exactly the kind of behavior that Alaska Air Group is looking for — loyalty to the brand. When you combine the great rewards with the big incentives for spending and easy pathways toward status (especially with award flights counting toward status), this is really the program for points geeks.

Lastly, can we just acknowledge how nice it is to see a premium card where a large part of the value proposition isn’t some third-party funded offers, with incredibly restrictive terms? Like, there’s no “$4 discount at Goodwill every leap year” or “$6 Wendy’s discount before 11AM, once per month.”

What’s your take on the Atmos Rewards Summit Card?