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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Chris Nelson is a credit cards writer for TPG. He specializes in budget travel, hotels, earning elite status through minimal spending and redeeming points for maximum value.
October 8, 2025 • 8 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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Quick summary
A premium travel rewards card offers strong value for Alaska Airlines and Hawaiian Airlines flyers, as well as frequent international travelers.
Cardholders receive valuable companion awards, lounge access, and a suite of travel perks including free checked bags and priority boarding.
Unique earning potential includes elevated rewards for purchases at airlines, dining locations, and on foreign transactions, with no need to track bonus categories abroad.
The card provides annual status boosts and the ability to share points with others, making it appealing for those seeking airline status or family travel flexibility.
What to consider
A high annual fee applies, but benefits can offset costs for frequent travelers.
Companion awards expire one year after issue and cannot be stacked; booking must occur before expiration, even if travel is later.
Eligibility is subject to application rules limiting the number of new cards within specific timeframes.
What you'll miss from the article
Detailed examples of maximizing companion awards, elite status boosts, and lounge access to enhance your travel experience.
Generated by AI with support from our editorial team.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
The card offers a unique value proposition for frequent and infrequent Alaska Airlines or Hawaiian Airlines flyers.
But with a $395 annual fee, you may ask, is the Atmos Summit worth it?
Let's jump into the details you need to know to answer this question.
Welcome bonus
New Atmos Rewards Summit applicants can earn 70,000 bonus points and a 25,000-point Global Companion Award after spending $3,000 on purchases in the first 90 days from account opening.
This offer is worth $1,473 based on TPG's September 2026 valuations (including Global Companion Award).
An Alaska Airlines Boeing 737 MAX 9 in Seattle. SEAN CUDAHY/THE POINTS GUY
The value of the welcome offer alone covers more than three times the annual fee, but let's look at the other benefits the card offers that will help you determine if you should keep the card year after year.
It's important to note that Bank of America does have a 2/3/4 application rule, which means you can only be approved for:
The Atmos Rewards Summit has a unique earning structure, including an innovative earning structure on foreign purchases.
You'll earn Atmos Rewards points, some of the most valuable airline rewards based on our valuations, in the following categories:
3 points per dollar spent on Alaska Airlines and Hawaiian Airlines purchases (4.7% return)
3 points per dollar spent on eligible dining purchases (4.7% return)
3 points per dollar spent on foreign transactions (4.7% return)
1 point per dollar spent on all other purchases (1.6% return)
JLCO-JULIA AMARAL/GETTY IMAGES
Arguably, the best part about this card is its ability to earn an unlimited 3 points per dollar spent on foreign transactions. While many cards may cover you on foreign purchases that fall into bonus categories like travel and dining, with the Atmos Summit, you won't have to worry about remembering bonus categories, as any eligible purchases abroad will net you 3 points per dollar spent.
Plus, you'll earn a respectable 3 points per dollar spent on Alaska Airlines and Hawaiian Airlines purchases, a fairly typical earning rate for a cobranded airline card. It also offers a solid 3 points per dollar spent on dining.
Earning Atmos Rewards points can unlock numerous flight redemption possibilities, especially with many sweet spot redemptions.
One 25,000-point Global Companion Award with the welcome offer
One 25,000-point Global Companion Award every account anniversary
The ability to earn a 100,000-point Global Companion Award after spending $60,000 or more on your card in a calendar year
This companion award essentially functions as a discount on two award tickets.
For example, let's say you want to book two business-class seats on Hawaiian Airlines' newly launched route from Seattle-Tacoma International Airport (SEA) to Seoul, South Korea's Incheon International Airport (ICN) and each seat costs 75,000 points. Normally, two seats would cost you 150,000 points, but with the 25,000-point Global Companion Award, you'd only need 125,000 points for both seats.
It's important to note that these companion awards cannot be stacked and expire one year after they’re issued. However, you can book a flight that takes place after the expiration date, as long as you make the booking before the award expires. Any unused value will be forfeited.
USCHOOLS/GETTY IMAGES
However, the real value in these certificates is that they can be used on Alaska Airlines, Hawaiian Airlines or any of Alaska's partners.
And remember, Alaska still uses a fixed award chart, so you could use these awards on carriers like Starlux Airlines or get an absolute steal on American Airlines, which offers business-class options to Tokyo for as few as 55,000 points, so you could book two seats for 85,000 points with the 25,000-point Global Companion Award.
I wouldn't go out of my way to spend $60,000 in order to earn the 100,000-point Global Companion Award, but if you can meet the spending requirement organically, this is a nice benefit that can save you a boatload of points.
The Atmos Rewards Summit offers two elite status boosts, helping you get closer to Atmos Rewards status. Cardholders receive:
10,000 status points every card anniversary
1 status point for every $2 spent, with no spending cap
The 10,000 status points earned every card anniversary put you halfway toward Atmos Rewards Silver status. You'd only need to spend $20,000 on your card to reach Atmos Rewards Silver status (which nets you Oneworld Ruby status) or $60,000 to qualify for Atmos Rewards Gold status (which gets you Oneworld Sapphire status). Remember, if you're able to spend $60,000, you'll also get a 100,000-point Global Companion Award.
If you're looking to earn airline status without flying, the Atmos Rewards Summit is the card for you.
The Atmos Rewards Summit gives cardholders eight lounge passes per year (two per calendar quarter). Alaska lounge day passes cost $60 per person, but I personally value them at about $35.
These passes can be gifted to friends and family if you already have an Alaska lounge membership. Plus, cardholders receive access to an elevated bar experience at lounges that includes a selection of cardholder-exclusive premium drinks, such as The Summit Sunset, a Woodford Reserve bourbon-based cocktail.
JOE NICHOLSON/ALASKA AIRLINES
If you fly Alaska frequently, you'll likely use these passes pretty easily. This is a nice benefit that can help offset some of the annual fee costs.
Cardholders and up to eight companions traveling with them receive a free checked bag on Alaska- and Hawaiian-operated flights.
Priority boarding
Cardholders and up to eight companions traveling with them will receive Group 5 priority boarding on Alaska Airlines flights. Priority boarding on Hawaiian Airlines flights will follow later in the fall.
Alaska Airlines-specific benefits
Cardholders also receive no same-day change fees on Alaska-operated flights and a $50 departure delay voucher for flights delayed over two hours. Plus, you can share your points for free with up to 10 Atmos Rewards members. This is similar to JetBlue's family pooling.
If you're a frequent Alaska Airlines or Hawaiian Airlines flyer or a frequent international traveler who values Atmos Rewards points, the Atmos Rewards Summit is worth the annual fee. Additionally, if you're looking to fast-track your way to status, this card is the way to go.
Even if you don't fly Alaska or Hawaiian as frequently or travel abroad regularly, the annual fee is worth it if you're looking to get started with the Atmos Rewards ecosystem.
Why you may be suited for another card
If you don't want to pay a high annual fee or rarely travel internationally but still want to earn Atmos Rewards points, you may want to try the Atmos™ Rewards Ascent Visa Signature® credit card, which earns 3 points per dollar spent on Alaska Airlines and Hawaiian Airlines purchases.
The Atmos Rewards Summit is an excellent option for frequent or infrequent Alaska Airlines or Hawaiian Airlines flyers. With unmatched earnings on foreign purchases, Global Companion Awards and a handful of useful benefits when flying Alaska or Hawaiian, the card certainly seems like it will live up to the hype and be worth the annual fee year after year.
