Atmos Rewards Summit
Bank of America
Atmos Rewards Summit
Offer Strength
Great offer$320 above typical value
Show breakdown
Estimated bonus value: ~$1,900
Base score: 64
Hotel boost: +8
Ongoing hotel value (conservative): ~$132
• $120 annual credits
• 10,000 bonus status points/year status
Airline boost: +8
Ongoing airline value (conservative, ~2 trips/yr): ~$354
• 1 free checked bag
• Companion certificate
Current $1,900 vs typical $1,580
Net value after annual fee: ~$1,900
Estimate based on our value hints; not financial advice.
Annual Fee
$395/yr
Atmos Rewards Summit
Welcome Offer
Earn 100,000 bonus Atmos Rewards points + 25,000-point Global Companion Award after spending $6,000 in the first 90 days.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Bank of America 2/3/4 rule
Bank of America is observed to limit personal card approvals to 2 in 2 months, 3 in 12 months, and 4 in 24 months.
Bonus cooldown policy
Some cards appear to enforce a waiting period between bonuses. The cooldown varies by issuer — from 24 to 60 months depending on the card.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
3x points on Alaska/Hawaiian Airlines, dining, and foreign transactions
3x points on rent via Bilt (3% fee, up to $50k/yr)
1x point on all other purchases
10% bonus with eligible BofA checking account
Key benefits
25,000-point Global Companion Award annually (any cabin, oneworld partners)
25,000-point Global Companion Award annually (any cabin, oneworld partners)
8 Alaska Lounge passes per year (2 per quarter)
8 Alaska Lounge passes per year (2 per quarter)
8 inflight Wi-Fi passes per year
8 inflight Wi-Fi passes per year
Free first checked bag for you + up to 6 guests
Free first checked bag for you + up to 6 guests
Preferred boarding on Alaska Airlines
Preferred boarding on Alaska Airlines
$50 instant voucher for delays over 2 hours
$50 instant voucher for delays over 2 hours
Perks
No foreign transaction fees
No foreign transaction fees
Earn Atmos status points (1 per $2 spent, uncapped)
Earn Atmos status points (1 per $2 spent, uncapped)
$120 TSA PreCheck / Global Entry credit (every 4 years)
$120 TSA PreCheck / Global Entry credit (every 4 years)
Waived partner award booking fees
Waived partner award booking fees
Waived same-day flight change fee
Waived same-day flight change fee
Ongoing Value
Annual benefits that offset the fee year after year.
Annual Credits
$120 in statement credits per year
Elite Status
10,000 bonus status points/year (~$100/yr value)
Free Checked Bags
1 free checked bag per flight
Companion Certificate
Annual companion pass (~$350 value)
Priority Boarding
Priority boarding on eligible flights
8 lounge passes/yr, 8 Wi-Fi passes/yr, 25K Global Companion Award annually, $120 security credit every 4 yrs, free checked bags.
Annual Fee Breakeven
Good fit for
About this card
The Bank of America Atmos Rewards Summit is a airline rewards card with a $395 annual fee. New cardholders can earn 100,000 miles after spending $6,000 in 90 days.
Best for
frequent travelers, frequent flyers, airport lounge access seekers
Key considerations
The $395 annual fee is premium — evaluate ongoing benefits carefully. $120 in annual credits available.
Card analysis
Offer analysis
The current offer on the Atmos Rewards Summit awards 100,000 miles after spending $6,000 within 90 days of account opening.
Annual fee value
The $395 annual fee is more than offset by ongoing benefits including annual statement credits ($120), free checked bags (~$105/yr), companion certificate (~$350), 10,000 bonus status points/year elite status (~$100), with an estimated total value of ~$675 per year.
In the first year, the sign-up bonus alone delivers approximately $2,180 in net value after the annual fee and benefit credits.
Application strategy
This card belongs to the atmos product family. Bank of America may restrict you from holding multiple cards in the same family or earning bonuses on related products. Review family-specific restrictions on our How It Works page before applying.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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