Is the Atmos Rewards Summit Visa Infinite worth $395/yr?

The honest math on the Atmos Rewards Summit Visa Infinite: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy — against the $395 annual fee.

Bank of America · $395 annual fee · earns Atmos Rewards points

Earning rates

3x Eligible dining purchases
3x Alaska Airlines & Hawaiian Airlines purchases
3x Eligible foreign transactions
0.5x Atmos Rewards Dining network bonus
1x Everything else

Statement credits (3)

Global 25K Companion Award — A 25,000-Atmos-point discount off a companion's award ticket on Alaska, Hawaiian, oneworld, or Alaska's global partners, in any cabin, credited every account anniversary.
Global 100K Companion Award — An additional 100,000-Atmos-point discount off a companion's award ticket, on top of the 25K award, after $60,000+ in card purchases in your account-anniversary year.
Global Entry / TSA PreCheck Credit — $120 application-fee credit once every 4 years (~$30/yr) for Global Entry or TSA PreCheck.

Protections and perks (22)

Alaska Lounge Passes — 8 single-visit Alaska Lounge day passes per year (2 credited each calendar quarter), each admitting the cardholder plus up to 2 accompanying children under 21.
Complimentary Wi-Fi Passes — 8 single-flight Alaska Airlines Wi-Fi passes per year (2 credited each calendar quarter).
Free Checked Bag — First checked bag free on Alaska Airlines and Hawaiian Airlines flights for you and up to 6 guests on the same reservation, when you pay for the flight with this card.
Preferred Boarding — Board Alaska Airlines flights ahead of general boarding, for you and up to 6 guests on the same reservation.
20% Back on Inflight Purchases — 20% back as a statement credit on Alaska Airlines inflight food, drinks, and Wi-Fi, and Hawaiian Airlines inflight food and beverage, when paid with this card.
Instant Travel Delay Credit — $50 voucher (valid 48 hours) for same-day Alaska/Hawaiian flight cancellations or departure delays of 2+ hours, when booked directly with this card.
Same-Day Change Fee Waiver — Waived fees for same-day confirmed Alaska Airlines flight changes — a savings of up to $75 per change.
Partner Redemption Booking Fee Waiver — Waives the booking fee (up to $25 per person) on award redemptions booked on Alaska's network of airline partners.
Visa Infinite Luxury Hotel Collection, Relais & Châteaux, and Global Hotel Collection — VIP status at 900+ Visa Infinite Luxury Hotel Collection properties (automatic upgrade, daily continental breakfast, $25 food/beverage credit, best-rate guarantee, plus an 8th benefit at 200+ of them), Relais & Châteaux perks at ~500 luxury properties, and concierge-booked access to 2,500+ Global Hotel Collection hotels.
Avis / Hertz / National Elite Status & Discounts — Complimentary Avis Preferred Plus (up to 30% off base rates, a free 2-day weekend rental), Hertz Five Star Gold+ status if you enroll (2-hour return grace period, 1-class upgrade, 1.25x points, free additional driver), and complimentary National Emerald Club Executive level (up to 25% off).
Golf Benefit by Troon — $99 greens fees per player (plus up to 3 guests at the same rate) at 20+ private Troon Privé clubs, complimentary Platinum Access status, and 1.2x points on Troon spending.
No Foreign Transaction Fees — No surcharge on purchases abroad.
Primary Rental Car Coverage — Primary collision/theft coverage up to the actual cash value of the rental, capped at $75,000 when new — decline the counter CDW.
Trip Cancellation / Interruption — Up to $2,500 per covered trip in non-refundable passenger fares if a trip is cancelled or cut short by sickness or other covered reasons.
Trip Delay Reimbursement — Up to $500 per purchased ticket for reasonable additional expenses when a common-carrier trip paid with the card is delayed more than 6 hours or requires an overnight stay; one claim per covered trip.
Baggage Delay Reimbursement — Up to $100 per day (up to 5 days) for essentials when checked bags are delayed more than 6 hours; supplemental to other insurance.
Lost Luggage Reimbursement — Reimburses the difference between what the common carrier pays and the value of checked or carry-on luggage lost to theft or misdirection, up to $3,000 per covered trip ($2,000 per bag for New York residents).
Emergency Evacuation & Repatriation of Remains — Up to $100,000 for medical evacuation expenses on a covered trip, plus up to $10,000 to return remains home if you or an immediate family member dies during the trip.
Travel Accident Insurance — Accidental death or dismemberment coverage up to $1,000,000 while traveling on a common carrier when the fare is charged to the card.
Purchase Security — New purchases covered 90 days against theft or damage, up to $10,000 per item and $50,000 per cardholder per year.
Extended Warranty — Adds 1 year to eligible US manufacturer warranties of 3 years or less, up to $10,000 per claim and $50,000 per cardholder.
Return Protection — Up to $300 per item ($1,000 per account per year) within 90 days if a store won't take back an eligible return.

Recent changes to this card's data

2026-08-27 — Atmos Rewards Summit Visa Infinite Card (new card)

Fee: $395, no foreign transaction fees. Sources: https://www.bankofamerica.com/credit-cards/products/alaska-airlines-infinite-credit-card/ and BofA's Credit Card Agreement PDF.
Earning: 3x dining, 3x eligible foreign transactions, 3x Alaska/Hawaiian purchases, 1x everything else, plus a 10% bonus with an eligible BofA account and a separate Atmos Rewards Dining network bonus (1pt/$2). Source: https://www.alaskaair.com/atmosrewards/content/credit-cards/visa-summit/terms
Global 25K Companion Award (annual, unconditional) and Global 100K Companion Award (after $60k/yr spend). Same source.
8 Alaska Lounge passes/yr, 8 Wi-Fi passes/yr, free checked bag + preferred boarding (6 guests), 20% inflight rebate, $50 instant travel delay credit, same-day change fee waiver (up to $75), partner redemption booking-fee waiver (up to $25/person), $120 Global Entry/TSA PreCheck credit. Same source.
Visa Infinite travel-protection suite (primary rental CDW to $75,000, trip cancellation $2,500, trip delay $500, baggage delay $100/day x5, lost luggage $3,000, emergency evacuation $100,000 + $10,000 repatriation, travel accident $1,000,000, purchase security $10k/$50k, extended warranty +1yr, return protection $300/$1,000). Source: https://www.myvisacardportal.com/content/dam/vpp/alaska/gtb/Visa_Infinite_GTB_4H.pdf (identical to bofa-premium-rewards-elite.json's figures — same underlying Chubb policy).
Visa Infinite Luxury Hotel Collection, Relais & Châteaux, Global Hotel Collection, Avis/Hertz/National elite status, and Golf Benefit by Troon ($99/round). Source: myvisacardportal.com Visa Infinite portal detail pages.
Not modeled: Atmos status points (progress metric, like Southwest's Companion Pass points), Personal Identity Theft ($15,000 — no matching coverageType, flagged for schema evolution), and generic issuer features (concierge, points sharing/transfer, Roadside Dispatch, $0 liability, etc.).

Card data verified against Bank of America on 2026-08-27.

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