Atmos Rewards Summit Visa Infinite by Bank of America: 3x dining & restaurants, 3x flights / airfare, 1x everything else. $395 annual fee. 80,000-point…
The Atmos Rewards Summit Visa Infinite is Bank of America's mid-tier credit card. The $395/yr annual fee includes a 80,000-point welcome bonus after spending $4,000 in the first 3 months. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| Instant Travel Delay Credit | $50/yr | Receive a $50 Instant Travel Delay Credit for flight cancellations or departure delays of 2 hours+. |
| TSA PreCheck / Global Entry credit | $120/quadrennial | Up to $120 every 4 years for the Global Entry application fee, or up to $85 for TSA PreCheck (whichever the cardholder selects first), when charged to the card. Long-term cycle credit — not annualized in this row. |
| 25,000-point Global Companion Award (anniversary) | $300/yr | 25,000-point Global Companion Award on every account anniversary, for a travel companion on the same itinerary when the cardholder books award travel using Atmos Rewards points. Redeemable with no blackout dates on Alaska Airlines, Hawaiian Airlines, or oneworld partners. Underlying benefit is 25,000 points per anniversary; the $300/yr figure in annual_value_usd is a mid-tier dollar valuation derived from those points (see notes for methodology). |
Welcome bonus value (year one): ~$1120. Annual statement credits: $470. Minus the $395 annual fee = ~$1195 in year-one net value before any spending earn. RewardsGuru rating: 4.1/5 — based on our net-value methodology.
Best fit: someone whose category spending matches the card's earn multipliers. Skip if: your spending pattern is flat across categories — a 2% flat-rate card would beat this.
80,000 points after spending $4,000 in the first 3 months. At our ~1.4¢/pt valuation, that's roughly $1120 in real value.
Year-one math: welcome bonus value (~$1120) + annual credits ($470) − $395 fee = ~$1195 net before spending earn. Year-two onward, the credits alone need to clear $395 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
3 recurring statement credits: Instant Travel Delay Credit ($50/yr), TSA PreCheck / Global Entry credit ($120), 25,000-point Global Companion Award (anniversary) ($300/yr). Total: $470/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Bank of America's product page has the current rate.