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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.
70,000
Atmos Rewards points · Welcome Bonus
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
70,000
Atmos Rewards points
Spend $3,000 in the first 3 months
Earn 80,000 bonus points after spending $4,000 on purchases in the first 90 days of account opening. Additionally receive a 25,000-point Global Companion Award (good toward upgrading a travel companion to first class or premium cabin travel). Combined welcome value worth approximately $1,200-1,500 in redemptions.
Benefits & Perks
Program & Transfers
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.
Reviews & Analysis
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.
Details & Terms
| Purchase APR | 19.49%–27.49% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
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.
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.
3X
Top Rate
Combined Protection Value
$50
Primary insurance covering theft and collision damage on rental vehicles, at actual cash value.
Access premium 24/7 multilingual travel assistance with enhanced coordination for medical, legal, and emergency services.
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
Reimbursement for meals, lodging, and essentials up to $500 per ticket (one claim per trip) when your trip is delayed 6+ hours.
Extends manufacturer warranties by one year on eligible items with 3-year or shorter original warranties.
Reimbursement up to $3,000 when your baggage is lost or stolen by an airline or carrier during your trip.
| Route / Property | Points | Book With | 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 |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$72
Annual Fee
-$395
Net Annual Value
-$323
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
| 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 |
Coverage up to $10,000 per claim for items stolen or damaged within 90 days of purchase.
Get reimbursed up to $300 per item (up to $1,000/year) when a merchant refuses to accept a return.
Accidental death and dismemberment coverage when traveling on trips purchased with the card.
Reimbursement up to $2,000 for prepaid trip expenses if you must cancel due to illness, injury, or other covered reasons.
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.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
