It is a large day for Alaska Airways and Hawaiian Airways flyers. Not solely have the 2 carriers formally rolled out Atmos Rewards, their mixed loyalty program, however they’ve additionally launched a brand-new premium bank card: the Atmos™ Rewards Summit Visa Infinite® Credit score Card.
This top-tier product has a $395 annual charge, a six-figure welcome bonus and perks constructed for frequent worldwide vacationers. It is essentially the most feature-packed card within the Alaska-Hawaiian portfolio, though it isn’t with out its flaws.
Let’s break down the advantages to see the place it shines and falls quick.
The knowledge for the Atmos Rewards Summit Visa Infinite has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed by the cardboard issuer.
New Atmos Rewards premium card particulars
Welcome bonus
The cardboard is launching with a suggestion to earn 100,000 Atmos Rewards factors and a 25,000-point International Companion Award after spending $6,000 or extra within the first 90 days of account opening.
If Atmos Rewards factors maintain the identical worth as Alaska miles, the bonus is price as much as $1,813 (primarily based on TPG’s August 2025 valuations). That isn’t fairly as excessive as the highest welcome presents available on the market, however it’s nonetheless a powerful incentive.
For those who registered your curiosity within the card earlier than the top of 2024, you may earn a further 5,000 bonus factors if permitted.
You might be eligible for the Summit welcome bonus even in the event you at present have or have had different Alaska or Hawaiian playing cards.
Financial institution of America has two primary utility guidelines:
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- 2/3/4: You may usually be permitted for at most two new Financial institution of America playing cards in two months, three in a 12 months and 4 in two years.
- 3/12: You may normally be denied in the event you’ve opened three or extra new playing cards with any issuer up to now 12 months; this will increase to seven or extra you probably have a Financial institution of America deposit account.
These guidelines aren’t enforced 100% of the time however function a helpful guideline.
Annual charge
The $395 annual charge compares favorably to different airways’ premium shopper playing cards. American Airways, Delta Air Traces and United Airways every cost at the least $595 for his or her top-tier choices, whereas Southwest Airways prices $229 for its high card.
Incomes charges
The Summit has an easy construction. You may earn:
- 3 factors per greenback spent on eating, overseas, Alaska Airways and Hawaiian Airways purchases
- 1 level per greenback spent on all different purchases
The most important draw is the three factors per greenback spent on overseas purchases.
For instance, I’m transferring to Spain subsequent week and had deliberate to make use of my Capital One Enterprise X Rewards Credit score Card for on a regular basis spending overseas, because it earns 2 miles per greenback spent (a 3.7% return primarily based on our August 2025 valuations).
If permitted for the Summit, I might contemplate switching for the 4.4% return, though meaning committing to Atmos Rewards factors as a substitute of Capital One’s 15-plus switch companions.
The eating and airline bonus classes are strong for Alaska-Hawaiian loyalists however are much less compelling if you wish to diversify your factors portfolio. Cardholders with an eligible Financial institution of America account earn a ten% bonus on all factors earned.
Associated: How diversifying my rewards helped me guide a trip to the UK and Eire on factors and miles
Companion certificates
This perk differs from the prevailing playing cards’ Companion Fare. Summit cardholders obtain a 25,000-point International Companion Award annually with no spending requirement, plus a second 100,000-point International Companion Award after $60,000 in annual spending.
The certificates can be utilized for journey on Alaska, Hawaiian or companions in any class of service. It’s also possible to high off the certificates with extra factors.
For instance, a one-way Aer Lingus business-class flight to Eire usually prices at the least 90,000 factors for 2 passengers. By making use of your 25,000-point award, you’ll solely pay 65,000 factors complete.
The annual 25,000-point award is price about $363, masking 92% of the annual charge by itself.
Lounge entry
Summit cardholders obtain eight Alaska Lounge passes per 12 months, break up into two per calendar quarter. Passes can be utilized when touring on same-day flights operated by Alaska, Oneworld companions or different Alaska companions. Present Alaska Lounge members can share passes with pals or household.
This setup could frustrate vacationers preferring limitless entry or who fly continuously in sure months however not others. American and United all supply limitless lounge entry on their top-tier playing cards. On Delta’s top-tier Reserve card, you get 15 annual visits until you spend $75,000 in a calendar 12 months. That degree of spend unlocks limitless visits for Delta SkyMiles® Reserve American Specific Card.
By way of 2026, Summit cardholders exhibiting their card at Alaska lounges may even get entry to an “all-new premium bar expertise with elevated wines, signature cocktails and unique curations.”
Elite standing boosts
Cardholders will:
- Obtain 10,000 standing factors annually on their card anniversary.
- Earn 1 standing level for each $2 spent (with no cap).
With $60,000 in annual spending, you may attain Atmos Rewards Gold standing, which is equal to mid-tier Oneworld Sapphire standing. Different Atmos Rewards playing cards earn standing factors extra slowly at 1 level per $3 spent.
Journey perks
When touring on Alaska or Hawaiian and paying along with your card, you and as much as six folks on the identical reserving obtain a free checked bag. You may additionally get most popular boarding on flights with Alaska (obtainable now) and Hawaiian (coming this fall).
Alaska-only perks (for now) embody free same-day flight adjustments and a $50 voucher for delays of two or extra hours or cancellations inside 24 hours. This profit will lengthen to Hawaiian Airways-operated flights as soon as each carriers are working on the identical reservation system, anticipated in 2026.
Cardholders additionally obtain as much as a $120 credit score each 4 years for International Entry or TSA PreCheck.
Redemption choices
The $12.50 associate award reserving charge is waived for Summit cardholders. This will add up in the event you continuously redeem with companions like American Airways, Japan Airways and Qantas.
Summit cardholders also can share factors at no cost with as much as 10 Atmos Rewards members, avoiding the usual $10 per 1,000-point switch charge.
The Summit card is the one Atmos Rewards card with lodge switch companions:
- IHG One Rewards (1:1, limited-time availability)
- Marriott Bonvoy (1:1)
- I Choose Resort Rewards (1:2)
- Shangri-La Circle (8:1)
- Wyndham Rewards (1:1)
Whereas this provides flexibility, lodge factors are usually price lower than Atmos Rewards factors, so transferring normally means shedding worth. Except that you must high up for a selected redemption, flights are a greater use of your factors.
Different card perks
The Summit card is a Visa Infinite card and comes with the next protections and providers:
- An auto rental collision injury waiver
- Prolonged guarantee safety
- Misplaced baggage reimbursement
- Roadside dispatch
- Journey and emergency help providers
- Entry to Visa Infinite concierge providers
These perks are pretty customary for a Visa Infinite product, however they nonetheless improve the cardboard’s total worth proposition. Frequent vacationers could discover the misplaced baggage reimbursement and rental automobile protection particularly helpful.
There are additionally no overseas transaction charges.
Minor adjustments to different Alaska Airways playing cards
Beginning in 2026, there can be no cap on incomes standing factors (previously elite qualifying miles) with these playing cards. Till the top of this 12 months, you may earn 1 standing level per $3 spent, as much as 30,000 factors per 12 months.
The knowledge for the Alaska Airways Visa Signature, Atmos Rewards Ascent Visa Signature and Alaska Airways Visa Enterprise has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
These playing cards have been final refreshed in March 2023, so it is good to see that their annual charges stay unchanged, as many mid-tier playing cards now price nearer to $150.
These two playing cards are providing elevated bonuses:
- Ascent: Earn 80,000 bonus factors and a $99 Companion Fare (plus taxes and charges from $23) after spending $4,000 or extra on purchases throughout the first 120 days of account opening.
- Enterprise: Earn 80,000 bonus factors and a $99 Companion Fare (plus taxes and charges from $23) after spending $5,000 or extra on purchases throughout the first 90 days of account opening.
No adjustments to Hawaiian Airways playing cards
There aren’t any adjustments to the Barclays-issued Hawaiian Airways® World Elite Mastercard® and Hawaiian Airways® World Elite Enterprise Mastercard®.
HawaiianMiles members will mechanically transition to Atmos Rewards on Oct. 1.
The knowledge for the Hawaiian Airways Mastercard and Hawaiian Airways World Elite Enterprise Mastercard has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Backside line
The brand new Summit card presents robust worth for frequent Alaska and Hawaiian flyers, particularly those that journey overseas and might make full use of the bonus factors on overseas purchases and the precious International Companion Awards.
Standing boosts and waived associate reserving charges add much more worth, however the capped lounge passes and pretty restricted journey protections stop it from being a slam dunk.
For vacationers who can commonly redeem the companion awards and attain the standing spending thresholds, the $395 annual charge is price it. For everybody else, a lower-tier Atmos Rewards card or a versatile journey rewards card with switch companions could ship higher long-term worth.
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