Atmos™ Rewards Summit Visa Infinite® credit card
- Best for: Alaska and Hawaiian flyers who’d use lounge passes and book award trips with a companion
- What Sets It Apart: Eight Alaska Lounge passes a year; a 25,000-point companion award each anniversary, good in any cabin on Alaska, Hawaiian, or partner flights
- Cost: $395 annual fee; no foreign transaction fee; 19.74% to 27.74% variable APR
- Features: 3 points per $1 on Alaska and Hawaiian purchases, dining, and purchases abroad; free first checked bag and preferred boarding for up to seven travelers on one reservation; 100,000 bonus points plus a 25,000-point companion award after $6,000 in 90 days
- Pros: Eight lounge passes worth $520 a year at Alaska’s $65 day-pass price; companion award needs no spending; 1 status point per $2 plus 10,000 each anniversary; points never expire
- Cons: Lounge passes expire each quarter; the companion award works only on new two-traveler award bookings on Alaska’s website; taxes and fees on the companion’s ticket still due
Get the Atmos™ Rewards Summit Visa Infinite® credit card if you’d use its eight Alaska Lounge passes and 25,000-point companion award each year. At $65 a day pass, five lounge visits would cost $325, $25 more than the $300 gap between this card’s $395 fee and the Ascent card’s $95. For free checked bags alone, get the Ascent instead.
Bank of America issues the Summit as the premium card of Atmos Rewards, the loyalty program of Alaska and Hawaiian Airlines. A step above the $95 Atmos Rewards Ascent, it suits flyers who’d use Alaska Lounges.
Key Features
- $395 annual fee and no foreign transaction fee
- A Global Companion Award each anniversary that cuts up to 25,000 points from a companion’s award ticket, plus a 100,000-point one in a card year you spend $60,000
- Eight Alaska Lounge passes a year, two each calendar quarter
- 3 points per $1 on eligible Alaska and Hawaiian purchases, dining, and purchases abroad; 1 point per $1 elsewhere
- 100,000 bonus points plus a 25,000-point companion award after $6,000 in purchases in your first 90 days
Pros
- Free first checked bags and preferred boarding for up to seven travelers on one reservation paid with the card, saving $45 a bag each way in North America
- Used in full, the eight lounge passes would cost $520 a year at Alaska’s $65 day-pass price, $125 more than the $395 fee
- A yearly companion award with no minimum spending, good in any cabin and on partner airlines, while the Ascent’s companion fare needs $6,000 in yearly purchases and covers only North America and Hawaii
- 1 status point per $2 toward Atmos elite status, against the Ascent’s 1 per $3, plus 10,000 each anniversary
- Points never expire, and short-haul award flights start at 4,500 points each way
Cons
- Lounge passes expire at the end of each quarter and work only in Alaska Lounges
- The companion award works only on a new award booking for two travelers, made on Alaska’s website within 12 months of getting it
- The companion’s taxes and fees are still due, and the award’s unused points are lost
- Variable annual percentage rate of 19.74% to 27.74%, with no 0% intro period
The Summit suits flyers using five or more lounge passes a year, and its companion award, like any airline companion certificate, is worth what it saves on trips they’d take anyway. Flyers who want only free checked bags should get the $95 Ascent.
Learn more about the Atmos™ Rewards Summit Visa Infinite® credit card.
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