| Category | Rate | Type | Cap |
|---|---|---|---|
|
Alaska Airlines and Hawaiian Airlines Purchases
Earn 3 Atmos Rewards points per dollar spent on eligible purchases made directly with Alaska Airlines and Hawaiian Airlines.
|
3x | Miles | No cap |
|
Dining
Earn 3 Atmos Rewards points per dollar spent on eligible dining purchases worldwide.
|
3x | Miles | No cap |
|
Foreign Purchases
Earn 3 Atmos Rewards points per dollar spent on eligible purchases made outside the United States.
|
3x | Miles | No cap |
|
All Other Purchases
Earn 1 Atmos Rewards point per dollar spent on all purchases not covered by a higher bonus category, with no earning cap.
|
1x | Miles | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
TSA PreCheck / Global Entry Statement Credit
Receive up to $120 in statement credits toward the TSA PreCheck or Global Entry application fee every four years when charged to the card.
|
Credits |
Up to $120 every 4 years
Up to $120
|
|
No Foreign Transaction Fees
No fees charged on purchases made outside the United States or in a foreign currency; combined with the 3x foreign purchase bonus, this card is designed as a premium international travel companion.
|
Financial | 0% foreign transaction fee |
|
Common Carrier Travel Accident Insurance
Automatic accidental death and dismemberment coverage when the full travel fare is charged to the card for travel on a licensed common carrier.
|
Insurance | Complimentary |
|
Extended Warranty Protection
Doubles the time period of the original manufacturer's warranty up to one additional year on eligible purchases paid with the card.
|
Insurance | +1 year on eligible warranties |
|
Lost Luggage Reimbursement
Reimbursement for lost, damaged, or stolen checked or carry-on baggage when the common carrier fare is paid with the card.
|
Insurance | Complimentary |
|
Primary Rental Car Collision Damage Waiver
Provides PRIMARY collision damage waiver coverage for damage or theft of eligible rental vehicles when the full rental is paid with the card and the rental company's CDW is declined; primary coverage means it pays before your personal auto insurance.
|
Insurance | Primary CDW coverage |
|
Trip Delay Reimbursement
Reimbursement for eligible expenses (meals, lodging, transportation) when a covered trip is delayed by a qualifying number of hours, when the travel fare is paid with the card.
|
Insurance | Complimentary |
|
Visa Infinite Concierge Service
24/7 access to a dedicated Visa Infinite concierge service for assistance with travel bookings, restaurant reservations, event tickets, and other lifestyle requests.
|
Lifestyle | Complimentary |
|
Bank of America Mobile Banking App
Full-featured mobile banking app for viewing balances, making payments, managing Atmos Rewards points, setting alerts, and accessing account features.
|
Other | Complimentary |
|
Free FICO® Score Access
Cardholders who opt in can access their FICO® Score updated monthly for free within the Bank of America Mobile Banking app or Online Banking.
|
Other | Complimentary |
|
10,000 Anniversary Status Points
Receive 10,000 Atmos Rewards status points automatically on each card anniversary after paying the annual fee, counting toward elite status qualification.
|
Rewards | 10,000 status points annually |
|
10% Rewards Bonus for Eligible Bank of America Account Holders
Earn a 10% bonus on all points earned from card purchases when you have an eligible Bank of America deposit or Merrill investment account, boosting the top earn rate to 3.3x points per dollar.
|
Rewards | 10% bonus on all points earned |
|
100,000-Point Global Companion Award After $60K Annual Spend
Earn a 100,000-point Global Companion Award after spending $60,000 or more on purchases in a card anniversary year, redeemable to cover the points cost for a companion award ticket on Alaska, Hawaiian, or any Atmos partner airline.
|
Rewards | 100,000-point Global Companion Award (after $60K spend) |
|
1X Points on All Other Purchases
Earn 1 Atmos Rewards point per dollar spent on all other eligible purchases not covered by a higher bonus category, with no earning cap.
|
Rewards | 1x points |
|
3X Points on Alaska and Hawaiian Airlines Purchases
Earn 3 Atmos Rewards points per dollar spent on eligible purchases made directly with Alaska Airlines and Hawaiian Airlines.
|
Rewards | 3x points |
|
3X Points on Dining
Earn 3 Atmos Rewards points per dollar spent on eligible dining purchases worldwide.
|
Rewards | 3x points |
|
3X Points on Foreign Purchases
Earn 3 Atmos Rewards points per dollar spent on eligible purchases made outside the United States, making this one of the few airline cards to offer a bonus multiplier on all international spending.
|
Rewards | 3x points |
|
Annual 25,000-Point Global Companion Award
Receive a 25,000-point Global Companion Award each card anniversary, redeemable to cover the Atmos Rewards points cost of an award ticket for a companion on the same itinerary on Alaska Airlines, Hawaiian Airlines, or any Atmos Rewards partner airline.
|
Rewards | 25,000-point Global Companion Award annually |
|
Status Points Earning — 1 Point Per $2 Spent
Earn 1 Atmos Rewards elite status point for every $2 spent on the card, with no cap, helping cardholders qualify for or maintain elite status without flying.
|
Rewards | 1 status point per $2 spent |
|
Welcome Bonus — 100,000 Atmos Rewards Points
Earn 100,000 bonus Atmos Rewards points after spending $6,500 or more on purchases within the first 90 days of account opening (current limited-time offer; standard offer may vary).
|
Rewards | 100,000 bonus points |
|
Welcome Bonus — 25,000-Point Global Companion Award
Receive a 25,000-point Global Companion Award as part of the welcome offer, redeemable to discount the Atmos Rewards points cost of an award ticket for a companion traveling on the same itinerary on Alaska Airlines, Hawaiian Airlines, or any Atmos Rewards airline partner.
|
Rewards | 25,000-point Global Companion Award |
|
Welcome Bonus — 50% Flight Discount Code
Receive a one-time 50% flight discount code for a qualifying future flight on Alaska Airlines, Hawaiian Airlines, Horizon Air, or SkyWest after opening the account; valid for most Saver and Main Cabin fares on eligible routes within North America for a limited travel window.
|
Rewards | 50% off one qualifying future flight |
|
$0 Liability Guarantee for Fraud
Cardholders are not responsible for any unauthorized transactions reported promptly; Bank of America's $0 Liability Guarantee covers fraudulent charges made with the card.
|
Security | $0 liability |
|
Fraud Monitoring and Alerts
Bank of America monitors the account for suspicious or unusual activity and alerts cardholders via text, email, or phone when potentially fraudulent transactions are detected.
|
Security | Complimentary |
|
$50 Trip Interruption Credit
Receive a $50 statement credit per trip toward meals, transportation, or other expenses when a qualifying Alaska Airlines or Hawaiian Airlines flight is delayed or interrupted; no flight rebooking required.
|
Travel |
$50 per qualifying trip interruption
Up to $50
|
|
20% Savings on In-Flight Purchases
Receive a 20% savings on eligible in-flight food, beverage, and Wi-Fi purchases on Alaska Airlines and Hawaiian Airlines flights when charged to the card.
|
Travel | 20% off in-flight purchases |
|
8 Wi-Fi Passes Per Year
Receive 8 in-flight Wi-Fi passes per year (2 per calendar quarter) for use on Alaska Airlines and Hawaiian Airlines flights.
|
Travel | 8 Wi-Fi passes per year (a $60+ value) |
|
Alaska Lounge Access — 8 Passes Per Year
Receive 8 Alaska Lounge passes per year (2 per calendar quarter), each valid for the cardholder's entire travel day including multiple lounges along the journey; each pass includes entry for up to two accompanying children. Existing Alaska Lounge members may share passes with family and friends.
|
Travel | 8 Alaska Lounge passes per year (a $500+ value) |
|
Alaska Lounge Premium Bar Experience (Through 2026)
Through 2026, cardholders visiting any Alaska Lounge receive access to an exclusive premium bar experience — including elevated wines, signature cocktails, and exclusive curations — simply by showing their Summit Card.
|
Travel | Complimentary (through 2026) |
|
Atmos Rewards Partner Award Booking Fee Waiver
Cardholders receive a waiver of partner award booking fees charged by Atmos Rewards when booking award travel on partner airlines.
|
Travel | Complimentary |
|
Free Checked Bag for Cardholder and Up to 6 Guests
Receive a free first checked bag for the cardholder and up to six guests on the same reservation when the flight is purchased with the card on Alaska Airlines or Hawaiian Airlines.
|
Travel | Complimentary first checked bag |
|
Free Points Sharing
Summit cardholders can share Atmos Rewards points with family and friends at no cost, a feature that is exclusive to this premium card tier within the Atmos Rewards ecosystem.
|
Travel | Complimentary |
|
No Same-Day Change Fees on Alaska/Hawaiian
Cardholders receive a waiver of same-day change fees when traveling on Alaska Airlines or Hawaiian Airlines flights purchased with the card.
|
Travel | Complimentary |
|
Preferred Boarding
Receive preferred boarding on Alaska Airlines and Hawaiian Airlines flights for the cardholder and companions on the same reservation when the flight is purchased with the card.
|
Travel | Complimentary |
