Card guide · Atmos Rewards miles
Bank of America Atmos Rewards Summit
Card guide overview
The premium Alaska Airlines co-brand card with a Global Companion Award, Alaska Lounge passes, status points, and 3X on dining and Alaska/Hawaiian purchases—best for frequent Alaska and Hawaiian flyers.
Key card attributes
| Issuing bank | Reward currency | Currency type | Network | Annual fee |
|---|---|---|---|---|
| Bank of America | Atmos Rewards | Airline Miles | Visa | $395 |
Closest alternatives
At a glance
The card in three decisions.
The Bank of America Atmos Rewards Summit is the premium Alaska Airlines co-brand card at a $395 annual fee. It earns 3X miles on eligible dining, foreign transactions, Alaska Airlines, and Hawaiian Airlines purchases, and 1X elsewhere. The welcome offer is 80,000 bonus points plus a 25,000-point Global Companion Award after $4,000 in purchases within the first 90 days. Eligible Bank of America account holders receive a 10% rewards bonus on earned miles.
The Summit layers premium benefits on top of the Ascent: an annual 25,000-point Global Companion Award, with a 100,000-point version after $60,000 in annual spend, plus a free checked bag and preferred boarding for the cardholder and up to six guests, 10,000 Atmos status points annually, eight Alaska Lounge passes per year (two per quarter), up to $120 in TSA PreCheck/Global Entry credits, a $50 travel delay credit, waived same-day Alaska Airlines change fees, and Visa Infinite concierge and Luxury Hotel Collection access. $60,000 is a lot of spend for the larger award, but the payoff could be high if you can redeem it on a valuable eligible award itinerary; it should not be treated as an easy annual perk unless that spending is natural for you.
Best fit
Frequent Alaska and Hawaiian flyers who value lounge access and the Companion Award
If you fly Alaska or Hawaiian regularly and would use Alaska Lounge passes and the annual Global Companion Award, the Summit can return well above its $395 fee.
Current timing
80K + Global Companion Award is current; 100K is the tracked maximum
The current 80,000 bonus points plus the 25,000-point Global Companion Award is strong for a $395 premium airline card. A 100,000-point version with the same Award has appeared at a higher $6,000 spending threshold. Apply when you have planned Alaska or Hawaiian spend.
Main watchout
The $60K threshold makes this a niche keeper
This could be a good card for high spenders who can naturally put $60,000 on it and redeem the larger Global Companion Award, but it is probably not a keeper card for most people. Alaska and Hawaiian merged to create Atmos Rewards, and the card offerings, benefit details, and partner network are still evolving as the two airlines integrate their operations.
Current & historical offer
80K is current; 100K is the tracked maximum.
The current issuer page lists 80,000 points plus a 25,000-point Global Companion Award after $4,000 in purchases within 90 days. Dated independent coverage records a 100,000-point version after $6,000 in purchases within 90 days, plus the same Award.
Timing assessment
80K + Global Companion Award is strong; 100K is worth watching.
The current 80,000-point offer plus the Global Companion Award is competitive for a $395 premium airline card, while 100,000 points plus the same Award is the tracked maximum. Apply when you have planned Alaska or Hawaiian spend, but wait when the higher level is realistically attainable.
Why someone may wait
If you rarely fly Alaska or Hawaiian Airlines.
The card earns its fee through Alaska-specific perks: lounge passes, the Companion Award, checked bags, and status points. If you do not fly Alaska or Hawaiian several times a year, the lower-fee Ascent or a general travel card may be a better fit.
Card benefits
Global Companion Award, lounge passes, and status points anchor a premium Alaska/Hawaiian package.
The tiers are a Points Brief editorial assessment of decision importance and rarity among premium airline co-brand cards—not labels supplied by Bank of America or Alaska Airlines.
Tier 1 · Rare differentiators
Benefits that provide the primary value and justify the $395 fee.
Annual Global Companion Award
Each cardmember anniversary, receive a 25,000-point Global Companion Award that allows a companion to travel on an eligible itinerary when you redeem a qualifying award ticket. A 100,000-point version unlocks after $60,000 in purchases during the cardmember year.
- Issued each year on your cardmember anniversary.
- Companion travel on eligible Alaska Airlines and Hawaiian Airlines routes.
- 100,000-point version available after $60,000 in annual spend.
Know the limits: A Companion Award redeemed on a long-haul Alaska or Hawaiian award ticket can save hundreds of dollars in additional ticket cost. The benefit alone can offset much of the $395 annual fee for travelers who redeem award flights with a companion. We rate Coupon Book 4/5 because the most valuable Global Companion Award requires $60,000 in annual spend, a high threshold for most cardholders.
Atmos status points annually
Receive 10,000 Atmos status points each cardmember year toward elite status qualification in the Atmos Rewards program.
- 10,000 status points posted each cardmember anniversary.
- Counts toward Atmos Rewards elite status qualification.
- Status points are separate from redeemable miles.
Know the limits: Status points accelerate elite qualification but do not guarantee a specific tier without qualifying flight activity.
Tier 2 · Incremental value
Travel credits, lounge access and protections that add meaningful value.
8 passes Alaska Lounge passes
Receive eight single-visit Alaska Lounge passes per year, issued two per quarter, for the primary cardmember.
Up to $120 TSA PreCheck / Global Entry credit
Receive a statement credit (up to $120) for the application fee of either TSA PreCheck or Global Entry once every four years.
Credit applies to one program every four years. Reimbursement appears as a statement credit after the eligible application fee is charged to the card.
$50 Travel delay credit
Receive up to $50 per ticket for eligible essential expenses when a covered Alaska Airlines or Hawaiian Airlines flight is delayed beyond the trigger threshold.
Coverage triggers, covered expenses, and documentation requirements follow the Guide to Benefits.
Free First checked bag + preferred boarding
Cardholder and up to six guests on the same reservation each receive a free first checked bag and preferred boarding on Alaska Airlines operated flights.
Savings of up to $35 per bag each way. Must include your Atmos Rewards number in the reservation.
Waived Same-day Alaska Airlines change fees
Waived same-day change fees on eligible Alaska Airlines flights when paid with the card.
Tier 3 · Expected premium-card basics
Standard protections and Visa Infinite services.
Atmos Rewards miles do not expire Program
Miles remain active with qualifying activity in the Atmos Rewards program.
Concierge and Luxury Hotel Collection Visa Infinite
Visa Infinite concierge service and access to the Visa Luxury Hotel Collection with eligible bookings.
10% rewards bonus with eligible BoA account Account bonus
Earn a 10% bonus on rewards when you hold an eligible Bank of America account.
No foreign transaction fees Standard
No Bank of America foreign-transaction fee on purchases made abroad.
Comparison method: Premium airline co-branded cards including Citi AAdvantage Executive ($595), Chase United Club ($695), and Delta SkyMiles Reserve ($650); official public pages reviewed in July 2026.
Earning rates
3X on dining, Alaska/Hawaiian, and foreign transactions; 1X elsewhere.
Miles are earned per dollar on eligible purchases. The 3X categories cover the spending most valuable to frequent Alaska and Hawaiian travelers.
Dining
Eligible dining purchases earn 3X miles per dollar.
Foreign transactions
Eligible purchases made outside the United States earn 3X miles per dollar.
Alaska Airlines and Hawaiian Airlines
Eligible purchases on Alaska Airlines and Hawaiian Airlines earn 3X miles per dollar.
Rent paid through Bilt
3X miles on rent payments made through the Bilt app, on up to $50,000 per year (1X after). A 3% transaction fee applies.
All other purchases
One mile per dollar on purchases not eligible for a higher rate.
Credit interaction: Atmos Rewards miles are estimated at approximately 1.8–2.0 cents each for domestic redemptions on Alaska Airlines. The 3X rates earn roughly 5–6% back in flight value on eligible bonus-category purchases. Rent via Bilt: the 3% fee is largely offset by the 3X earning, making this one of the few non-Bilt cards that profitably earns on rent. Eligible Bank of America account holders receive a 10% rewards bonus on earned miles. Partner redemptions on oneworld alliance carriers are available through the Alaska Airlines partnership network.
Atmos Rewards program
The unified loyalty program of Alaska and Hawaiian Airlines.
Atmos Rewards is the combined loyalty program created from the Alaska Airlines and Hawaiian Airlines merger. Miles can be redeemed for flights on Alaska Airlines, Hawaiian Airlines, and partner airlines across the oneworld alliance. The program is still evolving as the two airlines integrate their operations.
Key benefit
1:1mile earning
Atmos Rewards miles pool with miles from flying Alaska and Hawaiian Airlines.
Miles earned on the Summit card are standard Atmos Rewards miles that pool with miles from flying Alaska Airlines, Hawaiian Airlines, and partner flights. They can be redeemed for award flights on both airlines and oneworld partners. The Summit also grants 10,000 Atmos status points annually toward elite status. The program is still in its early stages as the two airlines integrate, and partner availability and award pricing may evolve.
Alaska Airlines hubs
Where Alaska Airlines operates the most flights.
- Seattle/Tacoma (SEA)
- Portland (PDX)
- San Francisco (SFO)
- Los Angeles (LAX)
- Anchorage (ANC)
- San Diego (SAN)
Hawaiian Airlines hubs
Where Hawaiian Airlines operates the most flights.
- Honolulu (HNL)
- Kahului/Maui (OGG)
- Kona (KOA)
- Lihue/Kauai (LIH)
oneworld alliance partners
Award bookings available on partner airlines.
- British Airways
- Japan Airlines
- Qatar Airways
- Cathay Pacific
- Qantas
- Finnair
- Iberia
- Malaysia Airlines
Atmos Rewards card family
How the Summit compares to the Ascent.
- Atmos Ascent: $95 fee, 3X Alaska/Hawaiian, free bag, Companion Fare
- Atmos Summit: $395 fee, Global Companion Award, lounge passes, status points, Visa Infinite—premium tier
- Both earn Atmos Rewards miles that pool with flight earnings
- Program still evolving as Alaska/Hawaiian integration continues
Sources and methodology
Sources for this page
- Last checked: August 1, 2026
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