Bank of America
Atmos Rewards Summit Visa Infinite
Annual Fee
$395
Sign-up Bonus
80,000 pts
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Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on flights (catalog median is 2x)
- 3x on dining (catalog median is 2x)
- 3x on fast food (catalog median is 2x)
- The $395 annual fee needs strong category spending to clear
- Non-bonus spending earns only 1x
Is the $395 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$57/yr
$452 rewards - $395 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$243/yr
$638 rewards - $395 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$307/yr
$702 rewards - $395 fee
Rewards by Category
Dining
3x
Grocery
1x
Gas
1x
Flights
3x
Hotels
1x
Other Travel
1x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
3x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.5 cents per point
The Fine Print That Changes the Math
3x on Alaska/Hawaiian + dining + foreign transactions, 1x all other. Global Companion Award. Free checked bag + priority boarding.
Atmos Rewards Summit Visa Infinite FAQ
What is the Atmos Rewards Summit Visa Infinite annual fee?
The Atmos Rewards Summit Visa Infinite has a $395 annual fee.
What is the Atmos Rewards Summit Visa Infinite signup bonus?
80,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Atmos Rewards Summit Visa Infinite?
3x on flights, 3x on dining, 3x on fast food. Everything else earns 1x.
Is the Atmos Rewards Summit Visa Infinite worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $57/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
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Is Atmos Rewards Summit Visa Infinite Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
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