Bank of America Atmos Rewards Summit
- Annual fee
- $395
- Earns
- Atmos Rewards points
- Point value
- 1.5 CPP
- Credits a year
- Up to $3,234
Welcome offer
Earn 100,000 Atmos Rewards points after you spend $6,000 in 3 months
≈ $1,500 at 1.5 CPP
Earning rates
| Category | Earns | Return |
|---|---|---|
| Purchases with Alaska Airlines and Hawaiian Airlines | 3x | 4.5% |
| Dining | 3x | 4.5% |
| Travel | 1x | 1.5% |
| Groceries | 1x | 1.5% |
| Gas | 1x | 1.5% |
| Everything else | 1x | 1.5% |
Return is what each $1 of spend is worth with points valued at 1.5 CPP.
Credits and benefits
- 25k Global Companion Award (Anniversary)$530 a card member year
- 100k Global Companion Award > $60K$2,120 a calendar year
- Alaska Lounge Passes (2/quarter)$130 a quarter
- Alaska Wi‑Fi Passes (2/quarter)$16 a quarter
- 10k status pointsIncluded
Up to $3,234 a year if you use every credit. Track them in the benefits tracker
Lounge access
Includes 8 Alaska Lounge passes a year, 2 each calendar quarter; each pass is good for the whole travel day and also admits up to two accompanying children. Through 2026, cardholders also get a signature cocktail or elevated bar offering at each Alaska Lounge visit.
Guests
- Alaska: no free guests
Application rules
Counts toward 5/24
Opening it takes one of your Chase 5/24 slots.
Card family
Each Atmos Rewards card's welcome bonus is separate: holding the Ascent, Summit or Business card, or a Hawaiian Airlines card, doesn't stop you from getting the bonus on a different one.
Application velocity
Bank of America generally approves no more than 2 new personal cards from it in 2 months, 3 in 12 months and 4 in 24 months.
Banking relationship
You earn 10% more points on purchases if you have an open Bank of America or Merrill account. Bank of America is also more likely to approve you if you bank with it; without one, 3 or more new cards from any bank in the past 12 months can lead to a denial.
About the Bank of America Atmos Rewards Summit
The Bank of America Atmos Rewards Summit is a personal Visa card from Bank of America with a $395 annual fee that earns Atmos Rewards points. It earns 3x on purchases with Alaska Airlines and Hawaiian Airlines, 3x on dining and 1x on everything else. The current welcome offer: earn 100,000 Atmos Rewards points after you spend $6,000 in 3 months. It comes with 4 statement credits worth up to $3,234 a year if you use them all. Cardholders get access to Alaska Lounge (passes). AwardHack values Atmos Rewards points at 1.5 CPP.
Frequently asked questions
What is the Bank of America Atmos Rewards Summit annual fee?
The Bank of America Atmos Rewards Summit has a $395 annual fee. Its statement credits add up to $3,234 a year if you use all of them.
What is the Bank of America Atmos Rewards Summit welcome bonus?
Earn 100,000 Atmos Rewards points after you spend $6,000 in 3 months. AwardHack values that at about $1,500.
Does the Bank of America Atmos Rewards Summit include airport lounge access?
Yes: Alaska Lounge (passes). Includes 8 Alaska Lounge passes a year, 2 each calendar quarter; each pass is good for the whole travel day and also admits up to two accompanying children. Through 2026, cardholders also get a signature cocktail or elevated bar offering at each Alaska Lounge visit.
Does the Bank of America Atmos Rewards Summit count toward Chase 5/24?
Opening it counts as one of your 5/24 slots.
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Offers, fees and benefits change often. Check the issuer's site before you apply.