Atmos Rewards Summit Visa Infinite Credit Card
Earn 3X on travel and dining with $520 in annual lounge passes
Earn 3X points on Alaska Airlines, Hawaiian Airlines, dining, and international travel with an annual lounge pass allowance worth $520. Receive a 25,000-point Global Companion Award annually, plus $120 TSA PreCheck/Global Entry credit every 4 years. Enhanced earning and exclusive Visa Infinite benefits provide significant value for Alaska Airlines frequent flyers.
- Annual Fee
- $395
- Atmos Rewards points · Welcome Bonus
- 100,000
- Top Rate
- 3X
Terms checked against the issuer on October 29, 2026
At a Glance
- Annual Fee
- $395
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Infinite
- Rewards Currency
- Alaska Airlines Atmos Rewards
- Point Valuation
- 1–1.3 cpp (mid: 1.1)
- Credit Required
- Good to Excellent
Welcome Offer
100,000
Atmos Rewards points
Spend $6,000 in the first 3 months
Earn 100,000 bonus points and a 25,000-point Global Companion Award after spending $6,000 on purchases within the first 90 days of account opening. The Companion Award takes up to 25,000 points off a companion's award ticket when you travel together on the same itinerary booked on alaskaair.com.
Earning Rates
- 3X
Dining
3x points on dining purchases
- 3X
Foreign Transactions
3x points on foreign transaction purchases
- 3X
Alaska
3x points on Alaska Airlines purchases
- 3X
Hawaiian
3x points on Hawaiian Airlines purchases
- 1X
All Other
1x point on all other purchases
Earning Scenarios
3X Points on Alaska Airlines and Hawaiian Airlines Flights
Earn 3 points per dollar on eligible Alaska Airlines and Hawaiian Airlines purchases booked directly with the airline; purchases through a travel agency or other third party do not earn 3X. No transaction caps - continue earning 3X on all qualifying airline purchases throughout the year.
Spend $3,000 annually on Alaska Airlines flights: earn 9,000 points worth approximately $135-225 depending on redemption method.
3X Points on Dining Purchases Worldwide
Earn 3 points per dollar at restaurants, cafes, bars, and food delivery services globally. No enrollment required - automatically earn on all dining purchases regardless of location or payment method.
Spend $300 monthly on dining: earn 900 points per month (10,800 annually), worth approximately $160-270 in travel value.
3X Points on International Travel and Transactions
Earn 3 points per dollar on all purchases made outside the U.S., including flights booked internationally, hotels, ground transportation, restaurants, and shopping. Combined with no foreign transaction fees, maximizing earning on international travel.
Spend $2,000 on international travel: earn 6,000 points plus save $40-60 in foreign transaction fees (typically 2-3%).
1X Points on All Other Purchases
Earn 1 point per dollar on all purchases not in bonus categories - groceries, gas, utilities, entertainment, and everyday shopping. Simple flat rate with no caps or rotating categories.
Spend $2,000 on other purchases: earn 2,000 points worth approximately $30-50 in travel value.
10% Bonus Points with Eligible Bank of America Account
Earn an additional 10% bonus points on all card purchases when you have an eligible Bank of America checking, savings, or investment account. Bonus applied monthly on your statement. Requires account link confirmation.
Earn 10,000 base points with linked BofA account: receive 1,000 additional bonus points automatically, totaling 11,000 points.
Benefits & Perks
Travel Benefits
6 perksHotels & Lodging
Companion Fare
Concierge
General Travel
Airline Perks
Annual Credits & Statement Credits
1 creditsUp to
$7.50
in recurring credits (annual)
$120 airport security
Get an Airport Security Statement Credit of up to $120 every four years in connection with the TSA PreCheck® or Global Entry trusted traveler programs
$120
Every 4 years
Lounge Access
8 Alaska Lounge passes worth $520 annually
2 Alaska Lounge passes per calendar quarter (8/year). Each pass admits one person for a single travel day.
Insurance & Protections
1 protectionsTravel delay protection
$50
We’ve got you covered. If your Alaska Airlines flight has a same-day cancellation or delay of 2+ hours for any reason, you'll receive a $50
Dining Out
3x at restaurants
Atmos Rewards
≈$3.30 in value on a $100 dinner, at our valuation of 1.1¢ per point
Annual fee: $395
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 3x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
Atmos Rewards
Atmos Rewards is the rewards program for this card. Transfer-partner details are currently unavailable.
Alaska and Hawaiian Airlines have some great sweet spots, but understanding their award charts is key. The 2026 "choose your own earning" flexibility and Bilt transfer partnership make this program increasingly competitive.
Program Ratings
Sweet Spots — Best Redemptions
| Route / Property | Points | Cabin/Type | Value / Region |
|---|---|---|---|
| US to Hawaii in Economy | 12,500 | economy | United States |
| US to Hawaii in First Class | 30,000 | first | United States |
| US to South Korea in Economy | 30,000 | economy | Asia |
| US to Europe in Business | 45,000 | business | Europe |
| US to South Korea in Business | 75,000 | business | Asia |
Reviews & Analysis
Third-Party Rankings & Ratings
3 sourcesHow It Compares
The Atmos Rewards Summit targets Alaska Airlines loyalists with strong 3X earning on airline flights plus dining, annual companion awards, and regular lounge access. The $520 annual lounge value and Global Companion Award provide tangible benefits. Effective for cardholders with $60,000+ annual spend to unlock the higher companion award tier.
Pros and Cons
Pros
- +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
- +Visa Infinite benefits including concierge, extended warranty, and travel insurance
- +Free authorized user cards
Cons
- -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
- -Global Companion Awards apply only to award tickets booked on alaskaair.com with a companion on the same itinerary
Who It's Best For
Best For
- Alaska and Hawaiian Airlines flyers who can use a companion award and Alaska Lounge passes
- Frequent travelers who will use the 8 Alaska Lounge passes a year
- Those who spend heavily on dining and foreign transactions (3x earning categories)
- Cardholders seeking Visa Infinite premium benefits and protections
Not Ideal For
- Those who cannot justify $395 annual fee without maximizing lounge passes and companion awards
- Low spenders who won't maximize 3x bonus categories
- Cardholders seeking hotel or airline loyalty program perks and elite status
- Those who prefer established transfer partners over niche rewards programs
The Math: Is $395 Worth It?
First-year value includes $1,100 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.50
Annual Fee
-$395
Net Annual Value
-$390.50
Details & Terms
Payment Terms
| Purchase APR | 19.74%–27.74% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
FAQs
What is the Alaska Airlines Mileage Plan called?
In August 2025, Alaska's loyalty program was renamed to Atmos Rewards, the joint program with Hawaiian Airlines after their 2024 merger. The combined program consolidates both carriers' loyalty initiatives under a single ecosystem.
What are Atmos Rewards?
Atmos Rewards is the combined loyalty program for Alaska and Hawaiian Airlines. Members earn points for flights and status points toward elite tiers. Points can be redeemed for award travel on Alaska, Hawaiian, oneworld partners, and participating hotel chains.
How do I get a free upgrade on Alaska Airlines?
Holding Atmos elite status is the best path to free upgrades on Alaska. All elite tiers (Silver, Gold, Platinum, Titanium) qualify for complimentary upgrades on Alaska, Hawaiian, and American Airlines, though higher tiers clear more frequently and in premium cabins.
Can you get into the Alaska Lounge with a First Class ticket?
Yes, but only with a paid or award First Class ticket on flights operated by Alaska or Hawaiian. At least one flight on your itinerary must be 2,000+ miles or travel to/through/from Alaska. Note that upgraded First Class tickets do not include lounge access. Summit cardholders receive 8 lounge day passes annually.
What is the 2026 "choose your own earning structure" option?
Starting spring 2026, Atmos members can choose between three earning methods (changeable once per year): distance traveled (1 point per mile), price paid (5 points per $1 spent), or segments flown (500 points per segment). This applies to both points and status earning, giving members flexibility based on their travel patterns.
What are the Atmos Rewards status tiers and requirements?
Four elite status tiers with qualification via status points: Silver/MVP (20,000), Gold/MVP Gold (40,000), Platinum/MVP Gold 75K (75,000-80,000), and Titanium/MVP Gold 100K (100,000-135,000). All elite members receive complimentary upgrades, lounge access, priority service, and bonus points on flights.
Media & Resources
Video Reviews
8 videosNEW Atmos Summit Visa Infinite: S-Tier?! | Gamechanger
NEW CREDIT CARD: Alaska Airlines Atmos Rewards Summit Visa Review - Luxury Travel Card Worth $395?
New Atmos Rewards CRUSHES Other Airline Credit Cards
$395 Alaska Airlines Atmos Summit Visa — Worth It for Families?
The All New Atmos Rewards Credit Cards: Review 2025
Atmos Rewards Summit Credit Card Review | Good for Expats?
Reviewing the NEW Alaska Atmos SUMMIT Card
Third-Party Articles & Reviews
Atmos™ Rewards Summit Visa Infinite® Credit Card
The Points Guy's detailed review of the Atmos Rewards Summit Visa Infinite card, examining the annual fee, Alaska Airlines elite qualification miles, Visa Infinite perks, premium cabin discounts, and valuation of benefits. Includes analysis of who should apply.
Alaska Airlines Atmos Rewards Complete Guide (2026)
Frequent Miler's comprehensive guide to Alaska Airlines' Atmos Rewards cards and the Alaska mileage program. Covers earning methods, redemption sweet spots, transfer partners, elite status strategies, and how the three Atmos card tiers work together.
Atmos Rewards Summit Visa Card: The Most Lucrative Premium Alaska Card
Comprehensive review of the Atmos Rewards Summit covering Alaska Airlines co-brand benefits, earn rates, welcome offer, premium perks, and comparative analysis of Alaska's three co-branded cards. Detailed breakdown of how the Summit stacks up against Ascent and the no-annual-fee card.
Best Alaska Atmos Rewards Credit Card: Which Of The Three Is...
One Mile at a Time's comparison of all three Alaska Atmos Rewards cards (no-fee, Ascent, and Summit) examining differences in annual fees, benefits, earn rates, elite qualification miles, and premium cabin discounts. Helps determine which card is best for different traveler types.
Atmos Ascent vs. Atmos Summit
Direct comparison of the Atmos Ascent and Atmos Summit cards examining differences in earn rates, annual fees, Alaska Airlines benefits, elite qualification miles, and premium cabin discounts. Helps readers determine which Alaska card suits their spending patterns.
Atmos™ Rewards Summit Visa Infinite® Card - Full Review [2026]
Upgraded Points' comprehensive review of the Atmos Rewards Summit card covering earning structure, Alaska Airlines loyalty benefits, premium Visa Infinite perks, statement credits, travel insurance protections, and detailed pros/cons analysis.
Is the Atmos Rewards Summit worth the annual fee?
Value analysis examining the annual fee of the Atmos Rewards Summit card and whether the Alaska Airlines credits, elite night certificates, and Visa Infinite benefits justify the cost. Includes breakeven calculations and comparison with alternative Alaska cards.
Atmos Summit Card Review 2026: Premium Worth It?
PointsNav's detailed review of the Atmos Rewards Summit card examining whether the premium annual fee is justified by Alaska Airlines elite status qualification, Visa Infinite perks, and premium cabin discounts. Includes comparative valuation with competing Alaska cards.
Atmos Rewards Summit Visa Infinite Card Review 2026
CNBC Select's expert review evaluating the Atmos Rewards Summit card's premium benefits, Alaska Airlines co-brand perks, earn rates, annual fee justification, and Visa Infinite protections. Analysis of which travelers benefit most from this premium Alaska card.
Atmos Rewards Summit Visa Infinite Credit Card Discussion
Reddit community discussion on the Atmos Rewards Summit card with user experiences, benefit usage tips, earning strategy advice, and real-world feedback on whether cardholders find the annual fee worthwhile. Includes tips from Alaska frequent flyers.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Atmos Official | — | Atmos Official |
| NerdWallet | — | NerdWallet |
| RewardsCC API | — | RewardsCC API |
| Atmos Official | — | Atmos Official |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Bank of America | Bank of America | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer |
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Partner credits at
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.