Bank of America
Atmos Rewards Summit Visa Infinite Credit Card
Estimated value every year on typical spending
$85/ year
Every year, after the annual fee. Year one adds a $700 welcome bonus: $785
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: Airport Lounge Access (not counted)
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
On typical spending the Bank of America Atmos Rewards Summit Visa Infinite Credit Card returns about $480 a year in rewards and usable credits, which covers its $395 fee with $85 to spare. The welcome bonus adds roughly $700 in the first year.
The fine print
- Intro APR
- Not applicable
- Regular APR
- 19.74% to 27.74% variable
- Foreign fee
- None
- Top perk
- 8 Alaska Lounge passes every calendar year (2 per quarter)
- Approval
- Excellent credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 3 points per $1 on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases
- 1 point per $1 on all other purchases
Sign-up bonus
70,000 bonus points and a 25,000-point Global Companion Award after spending $3,000 or more on purchases within the first 90 days of opening your account.
Best for
- Big spenders on dining
- Travelers who redeem points
- Perk-seekers who travel often
Not ideal for
- Light or occasional spenders
- People who want plain cash back
- Thin or new credit files
Trade-offs: Higher annual fee ↔ richer rewards & perks; Better travel value ↔ less straightforward than cash back; Top-tier earning ↔ harder to qualify for; Large welcome bonus ↔ higher spend requirement.
Worth knowing
- Annual fee
- $395
- Intro APR
- Not applicable
- Regular APR
- 19.74% to 27.74% variable
- Balance transfer fee
- 5% of each transaction
- $400/mo on dining earns about $144/year (3x).
- $1200/mo on everyday spending earns about $144/year (1x).
- The $395 fee pays for itself at about $1650/mo on dining.
- You come out ahead of a no-fee 1% card after about $19800/year of dining spending.
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Atmos Rewards Summit Visa Infinite Credit Card: questions people ask
Is the Bank of America Atmos Rewards Summit Visa Infinite Credit Card worth it?
On typical spending the Bank of America Atmos Rewards Summit Visa Infinite Credit Card returns about $480 a year in rewards and usable credits, which covers its $395 fee with $85 to spare. The welcome bonus adds roughly $700 in the first year.
What is the Bank of America Atmos Rewards Summit Visa Infinite Credit Card annual fee?
The Bank of America Atmos Rewards Summit Visa Infinite Credit Card has a $395 annual fee. On typical spending its rewards and usable credits come to about $480 a year, so it nets about $85 after the fee.
What is the Bank of America Atmos Rewards Summit Visa Infinite Credit Card welcome bonus?
Earn 70,000 bonus points and a 25,000-point Global Companion Award after spending $3,000 or more on purchases within the first 90 days of opening your account. We value it at about $700. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Bank of America Atmos Rewards Summit Visa Infinite Credit Card earn?
3 points per $1 on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases. 1 point per $1 on all other purchases.
What credit score do you need for the Bank of America Atmos Rewards Summit Visa Infinite Credit Card?
The issuer doesn't say; we'd class it as: excellent credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Bank of America Atmos Rewards Summit Visa Infinite Credit Card charge foreign transaction fees?
No. The Bank of America Atmos Rewards Summit Visa Infinite Credit Card has no foreign transaction fee.
Similar cards
- ChaseAir Canada Aeroplan Card$408/yr · $195 fee
- ChaseChase Sapphire Preferred Credit Card$561/yr · $95 fee
- American ExpressDelta SkyMiles Gold American Express Card$404/yr · $150 fee
- ChaseIHG One Rewards Premier Credit Card$540/yr · $150 fee
Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Bank of America product page. Terms change often; confirm them with the issuer before you apply.