The Atmos Rewards Summit Visa Infinite is the card to look at if you fly Alaska or Hawaiian often enough to use eight lounge day passes and a companion award every year. At $395 a year, it's what Alaska calls its "most generous credit card ever," and the benefits that carry its fee are travel perks rather than everyday rewards. This review goes through the welcome offer, the Global Companion Award, the lounge passes, how the card earns points and status, and who should look at the Ascent instead.
Every figure here comes from Alaska's Summit card page. Alaska's page carries Bank of America's disclosures, and Bank of America issues and administers the card.
Atmos Rewards Summit at a Glance
Best for: Frequent Alaska and Hawaiian flyers who travel with a companion and will use the Alaska Lounge passes.
Standout benefit: A 25,000-point Global Companion Award every account anniversary, plus eight Alaska Lounge day passes a year.
Biggest drawback: The $395 fee only pays off if you use the airline perks, because everyday spending outside dining, foreign transactions and Alaska or Hawaiian purchases earns 1 point per $1.
Current offer: 100,000 points plus a 25,000-point Global Companion Award after you spend $6,000 on purchases within the first 90 days after account opening. Alaska calls it an online-only offer that may not be available elsewhere if you leave its page.
The Welcome Offer
Alaska's Summit page advertises 100,000 points plus a 25,000-point Global Companion Award. You earn the offer after spending $6,000 or more on purchases within the first 90 days after account opening.
Alaska says the offer is online only and may not be available elsewhere if you leave the page. That's a reason to check the offer on the page you apply from, and to read the terms there. Our offer alert on the Summit's welcome bonus covers the offer on its own.
How the Global Companion Award Works
The Global Companion Award is the headline benefit. Alaska says it covers a companion's ticket when you book award travel for two people on the same itinerary, up to a set number of points. It works across Alaska Airlines, Hawaiian Airlines, oneworld and Alaska's global partners, in any class of service, including Business Class and First Class.
Cardholders can earn up to two awards a year. One is a 25,000-point Global Companion Award on your account anniversary, and the other is a 100,000-point Global Companion Award after you spend $60,000 or more on purchases in a card anniversary year.
Alaska adds "Terms apply," so read the award terms before you plan a trip around it. The anniversary award is the main reason to keep the card after the first year.
Alaska Lounge Passes and Travel Perks
The Summit includes two Alaska Lounge day passes each quarter, eight in all each year. Alaska says each pass is valid for your entire travel day, so you can use more than one lounge on a journey, and it covers entry for up to two accompanying children. Through 2026, cardholders who visit an Alaska Lounge and show their Summit card also get access to a new premium bar experience.
Other travel benefits Alaska lists on the card page:
- Free checked bag. You and up to six guests on the same reservation, when you buy the airfare with the card.
- Preferred boarding. Alaska lists it as a Summit benefit.
- Flight disruption voucher. A $50 electronic voucher if your Alaska flight has a same-day cancellation or a delay of two hours or more, for any reason.
- Same-day change fee waiver. Alaska waives the fee for same-day confirmed flight changes, whatever your Atmos Rewards status.
- Airport security credit. Up to $120 every four years toward TSA PreCheck or Global Entry.
- Partner award booking fee waiver. No award booking fees on airline partners, though you still pay taxes and any partner surcharges.
How the Summit Earns Points
The earning structure is simple. Alaska lists 3 points per $1 on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases, and 1 point per $1 on all other purchases. It also lists 20% back on Wi-Fi, drinks and meals on Alaska and Hawaiian flights when you pay with the card, and 10% more points on all card purchases if you hold a qualifying Bank of America account.
Alaska says the card has no foreign transaction fees, which pairs with the 3 points on foreign transaction purchases. Atmos points can also move to participating hotel partners, including Marriott Bonvoy and Shangri-La Circle, and you can share points with a chosen network of up to 10 Atmos Rewards members.
Status Points on the Summit
The Summit is built for people chasing Atmos status. Alaska says you earn 1 status point for every $2 you spend on purchases, with no limit on the status points you can earn through card spending. You also receive 10,000 status points each year on your account anniversary.
Our Summit elite status guide works through what that spending adds up to and what each Atmos level gets you. If status is your reason for applying, start there.
Is the Summit Worth the Annual Fee?
It's worth it when you'll use the specific perks, because those are what the fee buys. Alaska's own FAQ makes the same case: the eight lounge passes and the Global Companion Award "can offset" the $395 fee.
Count the perks you'd actually use in a year. Do you take Alaska or Hawaiian flights where a lounge visit fits? Do you travel with someone who would use the companion award? Do you check bags for a family on one reservation? Each yes moves the Summit toward earning its keep. If you answer no to all three, the fee is paying for perks you won't use.
Summit Pros and Cons
Pros
- A 25,000-point Global Companion Award each anniversary, usable on Alaska, Hawaiian, oneworld and partner flights in any cabin.
- Eight Alaska Lounge day passes a year, two each quarter.
- 1 status point per $2 on purchases with no cap, plus 10,000 status points each anniversary.
- A free checked bag for you and up to six guests on the same reservation.
- No foreign transaction fees, and 3 points per $1 on foreign transaction purchases.
Cons
- $395 annual fee.
- 1 point per $1 on everything outside dining, foreign transaction, Alaska and Hawaiian purchases.
- The companion award has terms, and the 100,000-point version needs $60,000 in a year.
- The best perks are airline perks, so the value depends on flying Alaska or Hawaiian.
Summit vs. Ascent
The Atmos Rewards Ascent is another Bank of America Atmos card. If you want to compare it with the Summit, read our Ascent review. Our guide to the best Alaska Airlines credit cards puts all three Bank of America Atmos cards side by side.
Who Should Get the Summit
Apply for the Summit if you fly Alaska or Hawaiian often, travel with a companion, and will use lounge passes and the checked-bag benefit. Check the offer on Alaska's Summit card page, then confirm the terms before you apply.
If you fly Alaska or Hawaiian only now and then, the lounge passes and the companion award may sit unused, so price the Ascent as well.
