【April 23, 2026 update】A record welcome offer is back: 100,000 points plus a 50% flight discount code. Apply on the official website🔗

Earn 100,000 bonus points and a 25,000-point Global Companion Award after spending $6,500 or more on purchases within the first 90 days of opening your account. Additionally, receive a 50% flight discount code for a qualifying future flight after opening your account.

Highlights

  • Easier elite-status earning through spending: earn Alaska MVP status after $20,000 in spending and MVP Gold after $60,000
  • Many benefits when flying Alaska Airlines and Hawaiian Airlines
  • 3x points on purchases outside the U.S.
Atmos Rewards Summit Visa Infinite Card

Issuer: Bank of America
Payment network: Visa
Card type: Credit card
Annual fee: $395
No foreign transaction fees

The card earns Alaska Airlines points, deposited directly into your linked account.

Alaska Airlines’ new mileage program: Atmos Rewards and Alaska Airlines Intro

Welcome Offer

100,000 points + one 25,000-point Global Companion Award

  • Spend $6,000 in the first 90 days

Apply here🔗

Everyday Spending

3x: Alaska Airlines and Hawaiian Airlines purchases

3x: Dining and purchases outside the U.S.

1x: Everything else

Earn elite-qualifying points at a rate of 1 point for every $2 spent, with no limit.

Benefits & Insurance

  • 10,000 elite-qualifying points every year

Earn 1 elite-qualifying point for every $2 spent.

  • Global Companion Awards

The Global Companion Award covers a companion’s ticket when booking award travel for two people on the same itinerary, up to a set number of points. Cardholders can earn up to two Global Companion Awards per year for use across our full network – including Alaska Airlines, Hawaiian Airlines, oneworld® and our global partners – in any class of service, including Business Class and First Class.

Receive one 25,000-point Global Companion Award each card year.
Spend $60,000 to receive an additional 100,000-point Global Companion Award.

  • Eight Alaska Lounge day passes

Receive two Alaska Lounge day passes each quarter for access to any Alaska Lounge before your flight. Each pass is valid for your entire travel day, so you can access multiple lounges along your journey and includes entry for up to two accompanying children. For existing Alaska Lounge members, these passes can be shared with family and friends. Plus, through 2026, cardholders visiting the Alaska Lounge receive access to an all-new premium bar experience when they show their Summit Card.

The latest explanation suggests this new premium experience means: receive an exclusive signature cocktail or elevated bar offering every time you visit an Alaska Lounge location through 2026.

【December 2025 update】Thanks to reader Charlie for sharing details about using the lounge passes:

  • Each pass is valid for the entire day. You can use it to enter multiple Alaska Lounges at one airport or lounges at multiple airports.

  • Passes can be shared with other people.

  • Each pass allows entry for two children under age 12.

  • Preferred boarding

For you and up to six guests on the same reservation when you pay with your card.

  • First checked bag free

For you and up to six guests on the same reservation when airfare is purchased with your card.

  • More flexible points

Points can be transferred to other hotel programs, including Marriott and Shangri-La, and can be transferred to other members, up to 10 people.

  • 20% back on inflight purchases

Enjoy 20% back on Alaska Airlines and Hawaiian Airlines inflight purchases.

  • Earn a 10% rewards bonus

Earn a 10% bonus on all points earned from card purchases if your company has an eligible Bank of America account.

  • Travel delay protection

If your Alaska Airlines flight has a same-day cancellation or delay of two or more hours for any reason, you will receive a $50 electronic voucher.

  • No same-day change fees

Change of plans? The fee for same-day confirmed flight changes is waived, regardless of your Atmos Rewards status.

  • Airport Security Statement Credit

Get an Airport Security Statement Credit of up to $120 every four years for the TSA PreCheck® or Global Entry trusted traveller programs.

  • Partner award booking fee waiver

There are no award booking fees on airline partners.

Passengers are still responsible for applicable taxes and partner-imposed surcharges on award tickets.

Visa Infinite benefits and insurance: Detailed official website🔗

  • Hotel Privileges Benefit

AtmosTM Rewards Summit Visa Infinite cardholders enjoy a complimentary room upgrade, subject to availability, a VIP welcome, and complimentary daily breakfast for everyone in their party at selected Relais & Châteaux properties, a prestigious collection of approximately 500 independently owned luxury properties worldwide.

Visit www.relaischateaux.com/us/osp/visa or call Visa Infinite Concierge for more details and to book your stay.

  • Visa Infinite Luxury Hotel Collection and Global Hotel Collection

  • Car rental benefits: Avis, Hertz, and National

  • Leisure benefits: Visa Dining Collection OpenTable Benefit, Golf Benefit by Troon, and Visa Offers + Perks

Visa Infinite Travel Insurance

  • Auto Rental Collision Damage Waiver

When you use your covered Visa Infinite account to rent a vehicle you’ll get built-in Auto Rental Coverage. You’re covered for physical damage, vandalism, theft, reasonable towing and loss of use charges. Decline the Collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental agreement. Any additional drivers must also be listed on the auto rental agreement.

For more information call the Benefits Administrator at 1-866-848-3643 (outside the U.S. call collect 1-804-673-8361).

Easy claim process: go to www.eclaimsline.com or call to talk to a Benefits Administrator at 1-866-848-3643 (outside the U.S., call collect: 1-804-673-8361) to initiate your claim. You must sign and return your claim form, or file online, within 90 days of the incident date. You can supply outstanding documentation afterwards.

  • Travel Accident Insurance

When you purchase your airline ticket with your covered Visa Infinite account you can receive $1,000,000 maximum of accidental death and dismemberment coverage. This coverage applies to more than air travel—it can also apply when you use your covered Visa Infinite account to purchase eligible travel by ferry, cruise ship, train, or bus.

  • Trip Delay Reimbursement

When you purchase air travel with your covered Visa Infinite account and/or rewards program associated with the covered account and your flight is delayed by more than six hours or requires an overnight stay, Trip Delay coverage applies. This benefit reimburses reasonable expenses incurred because of the delay, up to $500 per ticket. Coverage applies even when the delay is caused by weather or mechanical issues and is in addition to airline food or hotel vouchers.

For more information or to file a claim, go to www.eclaimsline.com or call 1-866-848-3643. Outside the U.S., call collect at 1-804-673-8361.

  • Trip Cancellation/Trip Interruption

When you purchase your travel ticket with your covered Visa Infinite account and/or rewards program associated with the covered account and need to cancel or interrupt your trip, this benefit can reimburse the non-refundable cost of your fare. It also applies to eligible ferry, train, bus, or cruise-ship travel, up to $2,500 per trip.

  • Baggage Delay Reimbursement

Baggage delays happen, but they do not have to ruin your trip. When you use your covered AtmosTM Rewards Summit Visa Infinite card to purchase travel tickets, you can be reimbursed for essential items purchased while your checked baggage is delayed.

You are eligible when your checked baggage is delayed for more than six hours. For each additional 24-hour period beyond the initial delay, you can receive $100 per day for a maximum of five days.

Easy claim process: call 1-866-848-3643 to initiate your claim. Outside the U.S., call collect at 1-804-673-8361.

  • Lost Luggage Reimbursement

When you use your covered Visa Infinite account and/or rewards program associated with the covered account to purchase an airline or common-carrier ticket, you may receive reimbursement for checked or carry-on luggage and its contents if they are stolen or misdirected by the airline. The maximum is $3,000 per trip, or $2,000 per bag for New York residents. Coverage also applies to ferry, cruise ship, train, and bus travel.

For more information, call the Benefits Administrator at 1-866-848-3643. Outside the U.S., call collect at 1-804-673-8361.

Easy claim process: collect your documents, including the lost-luggage report and travel dates, then go to www.eclaimsline.com or call 1-866-848-3643. Notify the Benefits Administrator within 20 days of the date the luggage was lost or stolen.

  • Emergency Evacuation and Transportation / Repatriation of Remains Coverage

When you use your covered AtmosTM Rewards Summit Visa Infinite card to purchase travel tickets, this benefit can transport you to the nearest medical facility for treatment, up to $100,000. Contact the Benefit Administrator to make arrangements.

For questions or claims, call 1-866-848-3643. Outside the U.S., call collect at 1-804-673-8361.

Visa Infinite Purchase Insurance

  • Extended Warranty Protection

Use your covered Visa Infinite account and/or the associated rewards program for a purchase to add one year of coverage to an existing U.S. manufacturer’s warranty of three years or less. The maximum is $10,000 per claim and $50,000 per cardholder.

For more information, call 1-866-848-3643, or outside the U.S. call collect at 1-804-673-8361.

Easy claim process: go to www.cardbenefitservices.com or call within 90 days of the purchase date to file a claim or ask questions.

  • Return Protection

Use your covered Visa Infinite account and/or the associated rewards program for an eligible purchase of up to $300. If you are dissatisfied within 90 days and the merchant will not accept the return, Return Protection may help.

For more information, call 1-866-848-3643, or outside the U.S. call collect at 1-804-673-8361. You can also go to www.cardbenefitservices.com to file a claim.

  • Purchase Security

When an item purchased with your covered Visa Infinite card is stolen or damaged within the first 90 days, Purchase Security can replace, repair, or reimburse it, up to $10,000 per claim and $50,000 per cardholder. If the item is stolen, file a police report within 48 hours of learning about the theft.

Go to www.cardbenefitservices.com or call 1-866-848-3643 to initiate a claim. Outside the U.S., call collect at 1-804-673-8361. You must sign and return the claim form, or file online, within 90 days of the incident date.

  • Personal Identity Theft

Provides reimbursement of up to $15,000 for covered expenses incurred to restore your identity after a Covered Stolen Identity Event. This includes theft or unauthorized or illegal use of your name, transaction-card account or account number, Social Security number, or another method of identifying you.

Go to www.cardbenefitservices.com or call 1-866-848-3643 to file a claim. Outside the U.S., call collect at 1-804-673-8361.

Other Updates

【September 30, 2025 update】Thanks to reader Fan Principal for sharing the good news: they were successfully approved for this card with an ITIN.

  • The applicant applied by phone and was approved directly without visiting a Bank of America branch in person.
  • The ITIN was 11 months old.
  • The applicant had previously been approved for several Amex and Chase credit cards.