Atmos Rewards Summit Visa Infinite Credit Card vs Southwest Rapid Rewards Premier Credit Card
Annual fees: Atmos Rewards Summit Visa Infinite Credit Card $395/yr, Southwest Rapid Rewards Premier Credit Card $149/yr. Strongest bonus categories: Atmos Rewards Summit Visa Infinite Credit Card on dining, Southwest Rapid Rewards Premier Credit Card on grocery stores.
Card data as of November 13, 2026.
Atmos Rewards Summit Visa Infinite Credit CardBank of America · $395/yr
Southwest Rapid Rewards Premier Credit CardChase · $149/yr
Overview
- Annual fee
- Atmos Rewards Summit Visa Infinite Credit Card$395Southwest Rapid Rewards Premier Credit Card$149Lowest
- Welcome offerCurrent public offer
- Atmos Rewards Summit Visa Infinite Credit Card100,000 pointsSouthwest Rapid Rewards Premier Credit Card55,000 points
- Rewards
- Atmos Rewards Summit Visa Infinite Credit CardAlaska Airlines Atmos RewardsSouthwest Rapid Rewards Premier Credit CardSouthwest Rapid Rewards
- Foreign transaction fee
- Atmos Rewards Summit Visa Infinite Credit CardNoneSouthwest Rapid Rewards Premier Credit CardNone
- Network
- Atmos Rewards Summit Visa Infinite Credit CardVisa InfiniteSouthwest Rapid Rewards Premier Credit CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Atmos Rewards Summit Visa Infinite Credit Card3xHighestSouthwest Rapid Rewards Premier Credit Card2x
- Foreign Transactions
- Atmos Rewards Summit Visa Infinite Credit Card3xHighestSouthwest Rapid Rewards Premier Credit Card1x
- Grocery Stores
- Atmos Rewards Summit Visa Infinite Credit Card1xSouthwest Rapid Rewards Premier Credit Card2xHighest
- Everything else
- Atmos Rewards Summit Visa Infinite Credit Card1xSouthwest Rapid Rewards Premier Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Dining & delivery
- Atmos Rewards Summit Visa Infinite Credit Card—Southwest Rapid Rewards Premier Credit Card
- $10/mo Instacart+
- DoorDash DashPass · $10 monthly
- Other credits
- Atmos Rewards Summit Visa Infinite Credit Card
- $120 airport security · $120 every 4 years
Southwest Rapid Rewards Premier Credit Card—
Perks & access— means none on record
- Lounges
- Atmos Rewards Summit Visa Infinite Credit Card
- 8 Alaska Lounge passes worth $520 annually
Southwest Rapid Rewards Premier Credit Card— - Hotel status & programs
- Atmos Rewards Summit Visa Infinite Credit Card
- 900+ luxury hotels with room upgrades
Southwest Rapid Rewards Premier Credit Card— - Airline perks
- Atmos Rewards Summit Visa Infinite Credit Card
- 25,000-point Global Companion Award every anniversary
- 8 free Wi-Fi passes on Alaska flights
- Free checked bag
- Preferred boarding
Southwest Rapid Rewards Premier Credit Card- 10,000 Companion Pass® qualifying points
- Free first checked bag for you and 8 companions
- Board with Group 5 for overhead bin access
- 15% Flight Discount
- Complimentary Preferred seat
- Other perks
- Atmos Rewards Summit Visa Infinite Credit Card
- 24/7 personal concierge service
- 10,000 status points each year
- 20% back onboard
- No same-day changes fees
- Partner award booking fee waiver
- Share your points for free
Show 2 moreShow fewer
- Transfer points to partner loyalty programs
- 1 status point per $2 spent on purchases
Southwest Rapid Rewards Premier Credit Card- No foreign transaction fees
- 24/7 roadside assistance dispatch
- 24/7 travel and emergency assistance
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Atmos Rewards Summit Visa Infinite Credit Card
- Travel delay protection · up to $50
Southwest Rapid Rewards Premier Credit Card- $500,000 travel accident insurance
- Baggage
- Atmos Rewards Summit Visa Infinite Credit Card—Southwest Rapid Rewards Premier Credit Card
- Baggage delay insurance for essential purchases
- Lost luggage reimbursement coverage
- Rental car
- Atmos Rewards Summit Visa Infinite Credit Card—Southwest Rapid Rewards Premier Credit Card
- Auto rental collision damage waiver
- Purchase & returns
- Atmos Rewards Summit Visa Infinite Credit Card—Southwest Rapid Rewards Premier Credit Card
- 120-day purchase protection coverage
- Extended warranty
- Atmos Rewards Summit Visa Infinite Credit Card—Southwest Rapid Rewards Premier Credit Card
- Extended warranty protection for purchases
Pros & cons
- Pros
- Atmos Rewards Summit Visa Infinite Credit Card
- 25,000-point Global Companion Award every account anniversary (100,000-point award at $60,000 annual spend)
- 8 Alaska Lounge passes a year (2 per quarter)
- 3x points on dining, foreign transactions, and Alaska/Hawaiian purchases
- No foreign transaction fees for international travel
- Free checked bag and preferred boarding for you and up to 6 guests
Southwest Rapid Rewards Premier Credit Card- 6,000 anniversary bonus points ($90+ value) help justify the annual fee
- 10,000 Companion Pass qualifying points boost annually accelerates free companion flights
- 2x on grocery stores and restaurants (first $8K combined) adds everyday earning
- Earn 1,500 TQPs toward A-List status per $5K annual spend
- Complimentary Preferred or Standard seat selection within 48 hours of departure, when available
- Cons
- Atmos Rewards Summit Visa Infinite Credit Card
- High $395 annual fee not waived first year
- Alaska Lounge passes are valid only at Alaska Lounges and expire at the end of each quarter
- Limited transfer partners compared to Chase, Amex, or Citi programs
- Only 1x on non-bonus spending
- Requires excellent or good credit
Southwest Rapid Rewards Premier Credit Card- $149 annual fee may not be justified for infrequent Southwest flyers
- No Extra Legroom upgrades (Priority cardholders get unlimited upgrades at 48 hours)
- Only 1x points on non-category purchases limits everyday earning potential
- 1,500 TQPs per $5K spent is less than Priority's 2,500 TQPs
- Limited bonus categories — only grocery/restaurants at 2x (old transit/internet/RR partners expired)
Category-by-Category Winner
The Atmos Rewards Summit Visa Infinite Credit Card wins in 2 of 2 categories. The Southwest Rapid Rewards Premier Credit Card leads in 0. 1 more category depend on booking channel or caps.
Dining
Atmos Rewards Summit Visa Infinite Credit Card earns 3X vs 2X
Foreign Transactions
Atmos Rewards Summit Visa Infinite Credit Card earns 3X vs 1X
Grocery Stores
Depends: up to $8,000/yr
Southwest Rapid Rewards Premier Credit Card earns 2X when conditions are met; Atmos Rewards Summit Visa Infinite Credit Card earns 1X (1X without restrictions)
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Ongoing value favors the Southwest Rapid Rewards Premier Credit Card; year-one value favors the Atmos Rewards Summit Visa Infinite Credit Card.
| Scenario | Atmos Rewards Summit Visa Infinite Credit Card | Southwest Rapid Rewards Premier Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $172 Credits (our usable estimate): $30 − Annual fee ($395) Ongoing: -$193 Year one: $907 | Rewards: $150 Credits (our usable estimate): $75 − Annual fee ($149) Ongoing: $76 Year one: $764 | Southwest Rapid Rewards Premier Credit Card | Atmos Rewards Summit Visa Infinite Credit Card |
| Heavy spender: $4,000/month | Rewards: $686 Credits (our usable estimate): $30 − Annual fee ($395) Ongoing: $321 Year one: $1,421 | Rewards: $600 Credits (our usable estimate): $75 − Annual fee ($149) Ongoing: $526 Year one: $1,214 | Southwest Rapid Rewards Premier Credit Card | Atmos Rewards Summit Visa Infinite Credit Card |
Is the Fee Difference Worth It?
The Atmos Rewards Summit Visa Infinite Credit Card costs $395/yr — that's $246 more than the Southwest Rapid Rewards Premier Credit Card ($149/yr). To justify that gap, you need to extract at least $246 in annual value from the card's higher earn rates and benefits.
The Atmos Rewards Summit Visa Infinite Credit Card includes lounge access, Global Entry/TSA PreCheck credit, free checked bags. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $246 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $246 fee gap means the Atmos Rewards Summit Visa Infinite Credit Card needs roughly $246 more in annual rewards (or credits you will use) to break even on dining and foreign transactions and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing Southwest Rapid Rewards Premier Credit Card means losing:
- -Airport lounge access
- -Global Entry credit
Which Card Is Right for You?
Get the Atmos Rewards Summit Visa Infinite Credit Card if you:
- +Fly frequently and value airport lounge access
Get the Southwest Rapid Rewards Premier Credit Card if you:
- +Do most of your spending at grocery stores
The Bottom Line
Ongoing value favors the Southwest Rapid Rewards Premier Credit Card; year-one value favors the Atmos Rewards Summit Visa Infinite Credit Card.
Published annual fees: Atmos Rewards Summit Visa Infinite Credit Card $395/yr, Southwest Rapid Rewards Premier Credit Card $149/yr — a $246 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Atmos Rewards Summit Visa Infinite Credit Card worth the higher annual fee?
- The Atmos Rewards Summit Visa Infinite Credit Card costs $395/yr vs $149/yr for the Southwest Rapid Rewards Premier Credit Card. Compare the year-one vs ongoing value table on this page — the $246 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Atmos Rewards Summit Visa Infinite Credit Card also lists lounge access).
- Which card earns more rewards, the Atmos Rewards Summit Visa Infinite Credit Card or Southwest Rapid Rewards Premier Credit Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the Atmos Rewards Summit Visa Infinite Credit Card have that the Southwest Rapid Rewards Premier Credit Card doesn't?
- The Atmos Rewards Summit Visa Infinite Credit Card offers lounge access. The Southwest Rapid Rewards Premier Credit Card offers dining credits.
- Should I get the Atmos Rewards Summit Visa Infinite Credit Card or the Southwest Rapid Rewards Premier Credit Card?
- Use the spend scenarios on this page: the Southwest Rapid Rewards Premier Credit Card has a lower $149/yr fee; the Atmos Rewards Summit Visa Infinite Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $395/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.