Bank of America Atmos Rewards Summit Visa Infinite
Bank of America · Visa · $395 annual fee · earns Alaska Atmos Rewards, valued at 1.55¢ a point.
Rates checked against the issuer 2026-10. Foreign transaction fee: none.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $522, or $127 after the fee.
Is the annual fee worth it?
It earns about $522 a year on the illustrative household's spending, which is $127 once the fee is paid. The best card with no fee, American Express Blue Business Plus, nets $1,058 on the same spending — so this card is $932 a year behind. On earning alone it does not catch up at any level of spending this looks at — its credits and perks have to make up the difference, or the fee is not paying for itself.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 3x | Alaska Airlines, Hawaiian Airlines only · Alaska and Hawaiian purchases only |
| Restaurants & Bars | 3x | Eligible dining |
| Everything else | 1x |
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Restaurants & Bars | $167 |
| Groceries | $93 |
| Everything Else | $93 |
| Gas Stations | $28 |
| Online Shopping | $28 |
| Utilities | $28 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- 3 points per $1 on purchases made in a foreign currency, with no foreign transaction fee
- A 25,000-point Global Companion Award each anniversary
- Eight Alaska Lounge passes a year
- 10% more points with a qualifying Bank of America account
Similar cards
- American Express Delta SkyMiles Platinum — annual fee $350 a year
- Chase United Quest — annual fee $350 a year
- Chase Rapid Rewards Priority — annual fee $229 a year
- American Express Delta SkyMiles Gold — annual fee $150 a year
- Every airline card, ranked
- When an annual fee pays for itself
- The best two- and three-card combinations
Point values: published industry valuations, read 2026-09. How every number here is worked out.