Unlock Global Travel Rewards with the Atmos Rewards Summit Card

The Atmos™ Rewards Summit Visa Infinite® Credit Card is a premier choice for frequent flyers, particularly those loyal to Alaska Airlines and Hawaiian Airlines. With exceptional earning rates on international purchases, complimentary lounge access, and an expedited path to elite status, this card stands out in the competitive travel rewards landscape.

As Alaska Airlines and Hawaiian Airlines merge their loyalty programs into the Atmos Rewards system, existing Alaska Airlines credit cards have been rebranded, introducing updated designs and enhanced benefits. The Atmos Rewards Summit card emerges as a new premium offering, tailored for travelers seeking elevated perks and streamlined rewards.

With an annual fee of $395, the Atmos Rewards Summit card provides a robust array of travel benefits. While many features may be familiar to those who have held airline co-branded cards, the Summit card distinguishes itself with perks designed to enhance the travel experience and accelerate the journey toward elite status.

For optimal approval odds, a good credit score of 670 or higher is recommended. Let’s delve into the details of the Atmos Rewards Summit card and explore whether it deserves a place in your wallet.

New cardholders can earn a generous welcome offer of 100,000 bonus points and a 25,000-point Global Companion Award after spending $6,000 or more within the first 90 days of account opening. According to TPG’s August 2025 valuations, this welcome offer is valued at approximately $1,813, equating Atmos Rewards points with Alaska Airlines miles.

Issued by Bank of America, applicants should be aware of the 2/3/4 rule, which limits approvals to two new Bank of America cards within 30 days, three within 12 months, and four within 24 months.

The Atmos Rewards Summit card offers numerous benefits, particularly for Alaska Airlines and Hawaiian Airlines travelers, which can help offset the annual fee. Cardholders receive eight Alaska lounge passes annually (two per quarter), which can be shared with friends and family if the cardholder is a current Alaska Lounge member. Additionally, cardholders enjoy an elevated premium bar experience in the lounges through 2026.

To access the lounges using a pass, travelers must have a same-day ticket for an Alaska, Hawaiian, Oneworld, or partner airline flight. While a standard day pass costs $65, the value of Alaska lounge access is estimated at $35 per visit.

Each year, cardholders receive a 25,000-point Global Companion Award, with the potential to earn an additional 100,000-point award after spending $60,000 or more. These awards function as discounts on a second award ticket for Alaska, Hawaiian, or partner flights in any cabin class.

For instance, if you and a travel companion plan to fly from Seattle-Tacoma International Airport (SEA) to Heathrow Airport (LHR) in business class, the primary traveler would pay 55,000 points while the companion’s flight would cost only 30,000 points, totaling 85,000 points for both seats (plus taxes and fees).

Other significant perks include:

– A 10% rewards bonus on all points earned from card purchases for those with an eligible Bank of America account.
– Enhanced earning rates on international purchases, making this card particularly appealing for frequent international travelers.

While the earning rates for Alaska and Hawaiian Airlines purchases align with industry standards for airline cards, the rewards for general everyday spending categories are less impressive.

The Atmos Rewards Summit card offers various redemption options, with the most value derived from redeeming points for flights on Alaska, Hawaiian, Oneworld, or partner airlines. For now, Atmos Rewards will maintain the previous Alaska Airlines partner award chart, allowing for several attractive redemption opportunities.

For example, with just 75,000 points, travelers can enjoy business class flights from the West Coast to Tokyo on Japan Airlines or to Taipei, Taiwan, on Starlux Airlines. Additionally, Atmos Rewards points can be used for short-haul American Airlines flights starting at 4,500 points one-way within California.

Unlike many co-branded airline credit cards, the Atmos Rewards Summit provides access to transfer partners, though transferring points to these partners is generally not recommended. Currently, Atmos Rewards has five hotel transfer partners, and transferring points is only advisable if you need to top off your balance for a specific hotel redemption.

The Atmos Rewards Summit card competes primarily with other Atmos Rewards cards. However, for those seeking greater flexibility in redeeming rewards or unlimited lounge access, a general travel rewards card may be more suitable.

For more options, consider exploring our lists of the best travel cards and the best airline cards available.

In summary, the Atmos Rewards Summit card is an excellent option for those who frequently fly Alaska or Hawaiian Airlines or travel internationally. It offers a valuable rewards currency, lounge access, and exceptional earning potential for overseas purchases. However, if the premium features do not align with your travel habits, the $95 Atmos Rewards Ascent card may be a more appropriate choice.

The Atmos Rewards Summit card presents a unique value proposition, especially for international travelers. Its impressive earning rate on foreign transactions is both innovative and beneficial for those who travel abroad frequently.

If you’re looking to earn Atmos points, expedite your journey to elite status, and travel internationally, this card is worth considering. Whether you often fly with Alaska or Hawaiian Airlines or simply seek to enhance your travel experiences, the Atmos Rewards Summit card should be on your radar.

For more information and to apply, visit the Atmos Rewards Summit Visa Infinite Credit Card page.