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Atmos Rewards Summit card art

Bank of America

Atmos Rewards Summit

AF $395

What it is

The Atmos Rewards Summit is a Bank of America card earning Atmos Rewards. For most, its value is mostly up front in the welcome bonus rather than ongoing perks. The new premium Alaska/Hawaiian card (launched 2026) — Alaska Lounge day passes, a Global Companion Award each year, and a free checked bag. Built for frequent Alaska/Hawaiian flyers who'll use the lounge passes and companion award against the fee.

Offer history

Current offer
100,000
$1,500 bonus · $1,257 year 1
Spend to earn
$6.5k
~$2,167/mo · 90d
All-time high
100,000
now
Timing
not enough history
Value over time
Plot

Not enough offer history yet.

Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.

OfferBonusValueYear 1ReturnDate
PUBLIC
ATH
100,000$6.5k · 90d$1,500$1,25719%Apr ’26

What you get

Airport lounge accessNo foreign transaction fees
  • Alaska Lounge passes$225per year

    8 Alaska Lounge+ day passes per year (West-Coast network + ~90 partner lounges). ~$795/yr full membership retail.

  • Global Entry credit$120one-time

    Up to $120 every four years toward a Global Entry or TSA PreCheck application fee, as a statement credit.

  • Free checked bag$70per year

    Your first checked bag free on Alaska and Hawaiian flights, for you and up to six guests on the same reservation.

Dollar figures are the benefit’s face value. What it’s worth to you — after realistic usage and your own point values — is in the receipt below.

The receipt

standard values
SUB value+$1,500
100,000 Atmos ×
Benefits (Year 1)+$152
↳ $415 at sticker value — before custom valuations
Ongoing
Alaska Lounge passes
$225 ×
~$90
Free checked bag
$70 ×
~$32
One-time
Global Entry credit
$120 ×
$30
Annual fee−$395
Year 1$1,257
Return for spending $6.5k19%
Score
Payout
$1,257
ROI
19%
Value (39% payout · 61% ROI — leans ROI for your spend)44
× Timing not enough history to judgeno penalty
× Keeper ongoing value under the annual fee-5%
Base score41.5
× Spend feasibility $6,000 of $6,500 (default $2,000/mo · edit ↗)0.92

Sign in to fold in your eligibility, spend-fit, and 5/24.

Thiccscore38 / 100

Related cards

Atmos Rewards Summit scores 38 here on standard point values. See where it ranks against every card, scored for your points, spend, and eligibility.

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