Compare up to 4 cards

2 of 4 cards. Side by side on fees, welcome offers, earn rates and benefits.

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Overview
	The Platinum Card from American Express American Express · $895/yr	Atmos Rewards Summit Visa Infinite Credit Card Bank of America · $395/yr
Annual fee	$895	$395 Lowest
Welcome offerCurrent public offer	As high as 175,000 points — offers vary	70,000 points
Rewards	American Express Membership Rewards	Alaska Airlines Atmos Rewards
Foreign transaction fee	None	None
Network	American Express	Visa Infinite
Earn ratesPer $1 spent
Flights	5x Highest	1x
Dining	1x	3x Highest
Foreign Transactions	1x	3x Highest
Hotels	1x	1x
Everything else	1x	1x
Statement creditsAs the issuer states them · — means none on record
Travel	$600 hotel credit $219 CLEAR Plus credit $200 airline credit $120 Global Entry or up to $85 TSA PreCheck / 4 years · $120 every 4 years	—
Rideshare & transit	$200 Uber Cash $120 Uber One credit	—
Dining & delivery	$400 Resy credit	—
Entertainment & streaming	$300 streaming credit	—
Shopping & wellness	$300 Equinox credit $300 Lululemon credit $200 Oura Ring credit $155 Walmart+ credit	—
Other credits	—	$120 airport security · $120 every 4 years
Perks & access— means none on record
Lounges	Airspace Lounge access at US airports with 2 guests 26 Centurion Lounges worldwide with premium dining 10 Delta Sky Club visits per year when flying Delta Escape Lounge access at US airports with food and beverages International Amex Lounges at select global airports Global Lounge Collection with 1,550+ airport lounges Show 3 more Lufthansa Business Lounge access on Lufthansa Group Plaza Premium Lounge access at airports with Global Lounge Priority Pass Select with 1,300+ lounges globally	8 Alaska Lounge passes worth $520 annually
Hotel status & programs	Hilton Gold with 80% bonus points and breakfast Leaders Club Sterling Status at Leading Hotels Marriott Gold with 25% bonus points and upgrades Fine Hotels + Resorts: $100 credits and upgrades Hotel Collection access with room upgrades and credits	900+ luxury hotels with room upgrades
Airline perks	International Airline Program 5-40% off premium cabins	25,000-point Global Companion Award every anniversary 8 free Wi-Fi passes on Alaska flights Free checked bag Preferred boarding
Car rental	Elite status with Hertz, National, Avis for upgrades	—
Other perks	Amex Offers 24/7 premium travel assistance with medical transport Premium Events Collection™ Early access to concerts and events 24/7 Platinum Concierge for travel and lifestyle help Free expedited card replacement in 24-48 hours worldwide Show 5 more Entertainment access with exclusive presales and VIP events No foreign transaction fees on international purchases save Roadside assistance with up to 4 service calls per year Platinum Nights by Resy Platinum Travel Service	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 more Transfer points to partner loyalty programs 1 status point per $2 spent on purchases
Protections & insuranceLimits where published · — means none on record
Trip insurance	$10,000 trip cancellation coverage per covered trip $500 trip delay Cover for delays exceeding 6 hours	Travel delay protection · up to $50
Baggage	$3,000 baggage insurance for lost or damaged bags	—
Rental car	$100,000 primary rental car coverage for $20-$25/rental $75,000 car rental loss and damage insurance	—
Purchase & returns	$10,000 purchase Cover against theft and damage for 90 days $300 return Cover when merchants won't accept returns within	—
Extended warranty	Extended warranty adds 1 year to warranties under 5 years	—
Cell phone	$800 cell phone protection with $50 deductible	—
Other protections	Zero liability protection on fraudulent charges Global Assist Hotline with 24/7 emergency help traveling	—
Pros & cons
Pros	Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free $200/year Uber Cash plus a $120 Uber One membership credit $400/year Resy dining credit at select restaurants Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast 5X points on flights booked direct or via Amex Travel	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
Cons	$895 annual fee requires significant credit utilization to break even Many credits require specific merchants (Resy, Equinox, lululemon, Oura) Only 1X points on non-travel purchases limits everyday earning Secondary car rental coverage unless paying $24.95/rental for primary $195 authorized user fee after first 3 free cards	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
	Card details	Card details

The Platinum Card from American Express
American Express · $895/yr
Atmos Rewards Summit Visa Infinite Credit Card
Bank of America · $395/yr

Overview

Annual fee: The Platinum Card from American Express
$895
Atmos Rewards Summit Visa Infinite Credit Card
$395
Lowest
Welcome offerCurrent public offer: The Platinum Card from American Express
As high as 175,000 points — offers vary
Atmos Rewards Summit Visa Infinite Credit Card
70,000 points
Rewards: The Platinum Card from American Express
American Express Membership Rewards
Atmos Rewards Summit Visa Infinite Credit Card
Alaska Airlines Atmos Rewards
Foreign transaction fee: The Platinum Card from American Express
None
Atmos Rewards Summit Visa Infinite Credit Card
None
Network: The Platinum Card from American Express
American Express
Atmos Rewards Summit Visa Infinite Credit Card
Visa Infinite

Earn ratesPer $1 spent

Flights: The Platinum Card from American Express
5x
Highest
Atmos Rewards Summit Visa Infinite Credit Card
1x
Dining: The Platinum Card from American Express
1x
Atmos Rewards Summit Visa Infinite Credit Card
3x
Highest
Foreign Transactions: The Platinum Card from American Express
1x
Atmos Rewards Summit Visa Infinite Credit Card
3x
Highest
Hotels: The Platinum Card from American Express
1x
Atmos Rewards Summit Visa Infinite Credit Card
1x
Everything else: The Platinum Card from American Express
1x
Atmos Rewards Summit Visa Infinite Credit Card
1x

Statement creditsAs the issuer states them · — means none on record

Travel: The Platinum Card from American Express
$600 hotel credit
$219 CLEAR Plus credit
$200 airline credit
$120 Global Entry or up to $85 TSA PreCheck / 4 years · $120 every 4 years
Atmos Rewards Summit Visa Infinite Credit Card
—
Rideshare & transit: The Platinum Card from American Express
$200 Uber Cash
$120 Uber One credit
Atmos Rewards Summit Visa Infinite Credit Card
—
Dining & delivery: The Platinum Card from American Express
$400 Resy credit
Atmos Rewards Summit Visa Infinite Credit Card
—
Entertainment & streaming: The Platinum Card from American Express
$300 streaming credit
Atmos Rewards Summit Visa Infinite Credit Card
—
Shopping & wellness: The Platinum Card from American Express
$300 Equinox credit
$300 Lululemon credit
$200 Oura Ring credit
$155 Walmart+ credit
Atmos Rewards Summit Visa Infinite Credit Card
—
Other credits: The Platinum Card from American Express
—
Atmos Rewards Summit Visa Infinite Credit Card
$120 airport security · $120 every 4 years

Perks & access— means none on record

Lounges: The Platinum Card from American Express
Airspace Lounge access at US airports with 2 guests
26 Centurion Lounges worldwide with premium dining
10 Delta Sky Club visits per year when flying Delta
Escape Lounge access at US airports with food and beverages
International Amex Lounges at select global airports
Global Lounge Collection with 1,550+ airport lounges
Show 3 more
Lufthansa Business Lounge access on Lufthansa Group
Plaza Premium Lounge access at airports with Global Lounge
Priority Pass Select with 1,300+ lounges globally
Atmos Rewards Summit Visa Infinite Credit Card
8 Alaska Lounge passes worth $520 annually
Hotel status & programs: The Platinum Card from American Express
Hilton Gold with 80% bonus points and breakfast
Leaders Club Sterling Status at Leading Hotels
Marriott Gold with 25% bonus points and upgrades
Fine Hotels + Resorts: $100 credits and upgrades
Hotel Collection access with room upgrades and credits
Atmos Rewards Summit Visa Infinite Credit Card
900+ luxury hotels with room upgrades
Airline perks: The Platinum Card from American Express
International Airline Program 5-40% off premium cabins
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
Car rental: The Platinum Card from American Express
Elite status with Hertz, National, Avis for upgrades
Atmos Rewards Summit Visa Infinite Credit Card
—
Other perks: The Platinum Card from American Express
Amex Offers
24/7 premium travel assistance with medical transport
Premium Events Collection™
Early access to concerts and events
24/7 Platinum Concierge for travel and lifestyle help
Free expedited card replacement in 24-48 hours worldwide
Show 5 more
Entertainment access with exclusive presales and VIP events
No foreign transaction fees on international purchases save
Roadside assistance with up to 4 service calls per year
Platinum Nights by Resy
Platinum Travel Service
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 more
Transfer points to partner loyalty programs
1 status point per $2 spent on purchases

Protections & insuranceLimits where published · — means none on record

Trip insurance: The Platinum Card from American Express
$10,000 trip cancellation coverage per covered trip
$500 trip delay Cover for delays exceeding 6 hours
Atmos Rewards Summit Visa Infinite Credit Card
Travel delay protection · up to $50
Baggage: The Platinum Card from American Express
$3,000 baggage insurance for lost or damaged bags
Atmos Rewards Summit Visa Infinite Credit Card
—
Rental car: The Platinum Card from American Express
$100,000 primary rental car coverage for $20-$25/rental
$75,000 car rental loss and damage insurance
Atmos Rewards Summit Visa Infinite Credit Card
—
Purchase & returns: The Platinum Card from American Express
$10,000 purchase Cover against theft and damage for 90 days
$300 return Cover when merchants won't accept returns within
Atmos Rewards Summit Visa Infinite Credit Card
—
Extended warranty: The Platinum Card from American Express
Extended warranty adds 1 year to warranties under 5 years
Atmos Rewards Summit Visa Infinite Credit Card
—
Cell phone: The Platinum Card from American Express
$800 cell phone protection with $50 deductible
Atmos Rewards Summit Visa Infinite Credit Card
—
Other protections: The Platinum Card from American Express
Zero liability protection on fraudulent charges
Global Assist Hotline with 24/7 emergency help traveling
Atmos Rewards Summit Visa Infinite Credit Card
—

Pros & cons

Pros: The Platinum Card from American Express
Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
$200/year Uber Cash plus a $120 Uber One membership credit
$400/year Resy dining credit at select restaurants
Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
5X points on flights booked direct or via Amex Travel
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
Cons: The Platinum Card from American Express
$895 annual fee requires significant credit utilization to break even
Many credits require specific merchants (Resy, Equinox, lululemon, Oura)
Only 1X points on non-travel purchases limits everyday earning
Secondary car rental coverage unless paying $24.95/rental for primary
$195 authorized user fee after first 3 free cards
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

Card details

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