Atmos Rewards Summit card overview
The Atmos™ Rewards Summit Visa Infinite® Credit score Card is the premium card focused at Alaska Airways and Hawaiian Airways’ most loyal flyers. It gives unmatched earnings on purchases overseas, lounge passes and the quickest path to incomes elite standing by way of card spending in the marketplace. Card score*: ⭐⭐⭐⭐
*Card score relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
With Alaska Airways and Hawaiian Airways merging their loyalty packages into Atmos Rewards, all current Alaska Airways bank cards have been rebranded beneath the Atmos umbrella, with up to date designs and refreshed advantages. The standout addition is the Atmos Rewards Summit card, a brand new premium product geared toward frequent flyers who need elevated perks and streamlined rewards.
With a $395 annual payment, the Atmos Rewards Summit card gives a stable mixture of journey advantages. Many of those will really feel acquainted to anybody who has carried an airline cobranded card, however the Summit units itself aside with perks designed to enhance the day-of-travel expertise and speed up progress towards elite standing.
A very good credit score rating of 670 or greater is advisable for the most effective approval odds. Let’s take a better take a look at the Atmos Rewards Summit card to see whether or not it deserves a spot in your pockets.
Atmos Rewards Summit card professionals and cons
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Associated: Earn as much as 100,000 bonus factors towards Alaska Airways flights with new Atmos Rewards card gives
Atmos Rewards Summit card welcome provide
New Atmos Rewards Summit candidates can earn 100,000 bonus factors and a 25,000-point World Companion Award after spending $6,000 or extra on purchases inside the first 90 days of account opening.
Primarily based on TPG’s August 2025 valuations, this welcome provide is price $1,813. (TPG is at present valuing Atmos Rewards factors the identical as we at present worth Alaska Airways miles.)
Financial institution of America points this card, so you will almost certainly be topic to the two/3/4 rule. This implies you may solely get accredited for 2 new Financial institution of America playing cards in a 30-day interval, three playing cards in a 12-month interval and 4 playing cards in a 24-month interval.
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Associated: Finest welcome gives of the month
Atmos Rewards Summit card advantages
The Atmos Rewards Summit has many advantages, together with a number of airline-specific advantages with Alaska Airways and Hawaiian Airways, that may assist offset the annual payment.
Journey advantages
- Free checked bag: When paying with the Atmos Rewards Summit, you and as much as six friends on the identical reservation can get pleasure from a free checked bag on Alaska and Hawaiian flights.
- Most popular boarding: You and as much as six friends on the identical reservation will obtain most well-liked boarding on Alaska (obtainable now) and Hawaiian flights (coming this fall).
- Free factors sharing: You possibly can ship factors forwards and backwards to as much as 10 different Atmos Rewards members at no cost. It is a very underrated profit that almost all playing cards both do not provide or cost for. This could be a nice perk for households, as it may well make it attainable to ship your little one some factors to fly dwelling for the vacations or to a liked one should you simply need to present them factors.
- No change charges: Pay no change payment when making same-day modifications on Alaska Airways flights. This profit will lengthen to Hawaiian Airways-operated flights as soon as each carriers are working on the identical reservation system, anticipated in 2026.
- Departure delay voucher: Cardholders obtain a $50 voucher for Alaska Airways flights delayed two or extra hours or cancelled inside 24 hours, whatever the purpose. This profit may also lengthen to Hawaiian Airways-operated flights in 2026.
- Waived award charges on companion flights: It can save you as much as $12.50 per particular person one-way when utilizing factors to e-book companion award tickets.
Lounge entry
You may obtain eight Alaska lounge passes per 12 months (two per quarter). For those who’re a present Alaska Lounge member, you may share these passes together with your family and friends. Moreover, as a cardholder, you will obtain entry to an elevated premium bar expertise within the lounges by way of 2026.
To enter with a go, you should be touring on a same-day ticketed Alaska, Hawaiian, Oneworld or companion airline flight. A normal day go prices $65, however I worth Alaska lounge entry at $35 per go to.
Elite standing boosts
- Anniversary standing factors: Obtain 10,000 standing factors each card anniversary. This factors enhance places you midway to incomes Atmos Rewards Silver standing.
- Sooner path to elite standing: Earn 1 standing level for each $2 spent, with no spending cap. By spending $20,000 with the Summit Card, you will earn Atmos Silver standing (equal to Oneworld Ruby standing). For those who spend $60,000 with the cardboard, you will earn Atmos Rewards Gold standing (equal to Oneworld Sapphire standing). That is the quickest path to standing obtainable on any airline bank card.
World Companion Awards
Every anniversary, you will obtain an annual 25,000-point World Companion Award and may earn a second 100,000-point World Companion Award after spending $60,000 or extra together with your card. These awards primarily operate as reductions off a second award ticket on any Alaska, Hawaiian or companion award ticket in any cabin class.
For example you and your companion need to go to London subsequent 12 months on the lately introduced Seattle-Tacoma Worldwide Airport (SEA) to Heathrow Airport (LHR) flight in enterprise class. If every ticket prices 55,000 factors, the first traveler pays 55,000 factors whereas the companion’s flight will price 30,000 factors, for a grand complete of 85,000 factors for 2 seats (plus taxes and charges).
Different advantages
Different key perks embrace:
These advantages justify the cardboard’s $395 annual payment, for my part. Nevertheless, I’d have preferred to see a full Alaska Lounge membership and extra assertion credit. Different high airline cobranded bank cards provide some kind of assertion credit and full entry to their respective airline lounges.
Associated: Are airline bank cards price it anymore?
Incomes factors on the Atmos Rewards Summit card
Atmos Rewards Summit cardholders earn:
- 3 factors per greenback spent on Alaska Airways and Hawaiian Airways purchases (approximate 4.4% return primarily based on our August 2025 valuations)
- 3 factors per greenback spent on eligible eating purchases (4.4%)
- 3 factors per greenback spent on overseas transactions (4.4%)
- 1 level per greenback spent on all different purchases (1.45%)
You may additionally earn a ten% rewards bonus on all factors earned from card purchases in case you have an eligible Financial institution of America account.
This card is without doubt one of the few to supply bonus earnings particularly on on a regular basis/nonbonused purchases you make overseas. I journey internationally a number of instances a 12 months and am strongly contemplating including this card to my pockets for these worldwide incomes charges alone.
Whereas the bonus earnings on overseas transactions are excellent, the incomes charges on Alaska and Hawaiian Airways purchases are normal for an airline card. The earnings on different normal on a regular basis spending classes are fairly lackluster and do not transfer the needle for me.
Associated: Which bank card must you use for Alaska Airways flights?
Redeeming factors on the Atmos Rewards Summit card
With the Atmos Rewards Summit, you have got a number of redemption choices, however the most effective technique is to redeem your factors for flights on Alaska, Hawaiian, Oneworld or companion airways.
Atmos Rewards will preserve the previous Alaska Airways companion award chart for now, so there are many candy spot redemptions.
For instance, from 75,000 factors, you may fly from the West Coast to Tokyo in Japan Airways enterprise class or to Taipei, Taiwan, in Starlux’s ultramodern, swanky enterprise class.
I additionally plan to proceed utilizing Atmos Rewards factors to e-book short-haul American Airways flights from 4,500 factors one-way inside California.
Associated: Finest Alaska Airways candy spot redemptions you may e-book
Transferring factors on the Atmos Rewards Summit card
In contrast to most cobranded airline bank cards, the Atmos Rewards Summit has entry to switch companions. Nevertheless, transferring to those companions is a poor redemption technique I do not suggest. Presently, Atmos Rewards has 5 lodge switch companions:
The one case the place I can suggest transferring Atmos factors to lodge companions is in case you have a particular lodge redemption you are able to e-book and have to high off your stability.
Associated: Do you have to switch lodge factors to airline companions?
Which playing cards compete with the Atmos Rewards Summit card?
The largest opponents to the Atmos Rewards Summit are different cobranded Atmos Rewards playing cards. Nevertheless, should you’re on the lookout for extra flexibility with redeeming rewards or limitless lounge entry, you could be higher suited to a normal journey rewards card.
- If you would like a decrease annual payment: The Atmos™ Rewards Ascent Visa Signature® Credit score Card has an reasonably priced $95 annual payment and gives perks like an annual companion fare and elevated bonus earnings on Alaska and Hawaiian Airways flights. Nevertheless, this card lacks lounge passes and bonus earnings on worldwide purchases. To be taught extra, learn our evaluate of the Atmos Rewards Ascent Visa.
- If you would like extra lounge entry: The Capital One Enterprise X Rewards Credit score Card has a comparatively excessive $395 annual payment and comes with limitless lounge entry to Capital One and Precedence Go lounges, an annual journey credit score, anniversary bonus miles and a extra strong suite of journey protections. Plus, you will earn versatile miles, which will be transferred to certainly one of Capital One’s 15-plus journey companions. To be taught extra, learn our evaluate of the Capital One Enterprise X.
- If you would like no annual payment: The Bilt Mastercard® (see charges and charges) earns factors in a number of bonus classes, and also you earn factors by paying your hire with no transaction charges (as much as 100,000 factors per calendar 12 months). Cardholders should use the cardboard 5 instances every assertion interval to earn factors (see rewards and advantages). Plus, Bilt Rewards Factors will be transferred to Atmos Rewards or any of Bilt’s 19 different switch companions. To be taught extra, learn our full evaluate of the Bilt Mastercard.
For extra choices, take a look at our lists of the most effective journey playing cards and the most effective airline playing cards.
Is the Atmos Rewards Summit card price it?
The brand new Atmos Rewards Summit card is price it should you fly Alaska or Hawaiian Airways or journey internationally usually. It earns a beneficial rewards foreign money, offers lounge entry and delivers unmatched earnings overseas. Nevertheless, should you do not want the premium options, the $95 Atmos Rewards Ascent could also be a greater match.
Backside line
The Atmos Rewards Summit card gives a singular worth proposition. For those who journey overseas usually, the spectacular incomes price on worldwide purchases is eye-opening and progressive.
For those who’re seeking to earn Atmos factors, fast-track gaining elite standing and journey overseas regularly, it is a nice card for you. Whether or not you fly on Alaska or Hawaiian Airways regularly, this new card needs to be in your radar — it is actually on mine.
Apply right here: Atmos Rewards Summit Visa Infinite Credit score Card
For charges and charges of the Bilt Mastercard, click on right here.
For rewards and advantages of the Bilt Mastercard, click on right here.
