Network

Key Benefits

Pros

• +Annual 25,000-point Global Companion Award worth $450+ on partner flights
• +Priority Pass Select membership for airport lounge access
• +3x points on travel and dining purchases
• +No foreign transaction fees for international travel
• +Carbon offset and climate-positive banking initiatives

• +Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
• +10X miles on hotels and rental cars booked through Capital One Travel
• +Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
• +Priority Pass Select membership with 1,300+ lounges worldwide
• +Free authorized users (until Feb 2026, then $125/year for lounge access)

Cons

• −High $395 annual fee not waived first year
• −Atmos is a smaller issuer with less established customer service infrastructure
• −Limited transfer partners compared to Chase, Amex, or Citi programs
• −Only 1x on non-bonus spending
• −Requires excellent or good credit

• −$395 annual fee requires maximizing credits to get value
• −10X earning rate requires booking through Capital One Travel portal
• −Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
• −No airline transfer bonuses unlike some competitors
• −Travel credits only work for Capital One Travel bookings

Network

Key Benefits

Pros

• +Annual 25,000-point Global Companion Award worth $450+ on partner flights
• +Priority Pass Select membership for airport lounge access
• +3x points on travel and dining purchases
• +No foreign transaction fees for international travel
• +Carbon offset and climate-positive banking initiatives

• +Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
• +10X miles on hotels and rental cars booked through Capital One Travel
• +Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
• +Priority Pass Select membership with 1,300+ lounges worldwide
• +Free authorized users (until Feb 2026, then $125/year for lounge access)

Cons

• −High $395 annual fee not waived first year
• −Atmos is a smaller issuer with less established customer service infrastructure
• −Limited transfer partners compared to Chase, Amex, or Citi programs
• −Only 1x on non-bonus spending
• −Requires excellent or good credit

• −$395 annual fee requires maximizing credits to get value
• −10X earning rate requires booking through Capital One Travel portal
• −Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
• −No airline transfer bonuses unlike some competitors
• −Travel credits only work for Capital One Travel bookings

Network

Key Benefits

Pros

• +Annual 25,000-point Global Companion Award worth $450+ on partner flights
• +Priority Pass Select membership for airport lounge access
• +3x points on travel and dining purchases
• +No foreign transaction fees for international travel
• +Carbon offset and climate-positive banking initiatives

• +Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
• +10X miles on hotels and rental cars booked through Capital One Travel
• +Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
• +Priority Pass Select membership with 1,300+ lounges worldwide
• +Free authorized users (until Feb 2026, then $125/year for lounge access)

Cons

• −High $395 annual fee not waived first year
• −Atmos is a smaller issuer with less established customer service infrastructure
• −Limited transfer partners compared to Chase, Amex, or Citi programs
• −Only 1x on non-bonus spending
• −Requires excellent or good credit

• −$395 annual fee requires maximizing credits to get value
• −10X earning rate requires booking through Capital One Travel portal
• −Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
• −No airline transfer bonuses unlike some competitors
• −Travel credits only work for Capital One Travel bookings