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 | Global Companion Award on every account anniversary: takes UP TO 25,000 points OFF a travel companion's award ticket on the same itinerary when the cardholder books award travel with Atmos Rewards points. It is a DISCOUNT, not a 25,000-point award ticket and not a free seat: if the companion's award prices above 25,000 points the cardholder pays the residual, and if it prices below, the unused portion is lost. Worked example from our own booking (see paris-30000-points-atmos-rewards-companion-award): a 27,500-point companion award became 2,500 points after the GCA. Redeemable with no blackout dates on Alaska Airlines, Hawaiian Airlines, or oneworld partners; a 100,000-point version also exists. Mechanism confirmed first-party 2026-07-02 against Alaska's Global Companion Award FAQ and the Summit card pages. The $300/yr in annual_value_usd is a mid-tier dollar valuation derived from the 25,000-point cap, not a cash credit (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: 4.0/5 — 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.