Atmos Rewards Ascent Visa Signature vs Atmos Rewards Summit Visa Infinite — which is worth it to you?
The Atmos Rewards Ascent Visa Signature ($95/yr) and the Atmos Rewards Summit Visa Infinite ($395/yr) side by side: credits, earning rates against a flat 2% cash-back baseline, and protections — with your spending deciding which card actually wins each category.
The Atmos Rewards Summit Visa Infinite charges $395 a year against the Atmos Rewards Ascent Visa Signature's $95, so it starts $300 behind. Both earn Atmos Rewards points, and a point from one is worth the same as a point from the other. What separates them is rates and credits.
The Atmos Rewards Summit Visa Infinite also has a bonus on dining (3x), with nothing to match it on the Atmos Rewards Ascent Visa Signature.
The Atmos Rewards Ascent Visa Signature has no statement credits. The Atmos Rewards Summit Visa Infinite has 3 statement credits: Global 100K Companion Award (100,000 pts), Global 25K Companion Award (25,000 pts) and Global Entry / TSA PreCheck Credit ($30/yr). All of these are face values, and a credit only really pays out if it covers something you were buying anyway.
Both cards carry 20% Back on Inflight Purchases, extended warranty, Free Checked Bag, lost luggage, no foreign transaction fees, Preferred Boarding, rental car collision coverage, trip cancellation and trip delay. The Atmos Rewards Ascent Visa Signature alone has $100 Off Alaska Lounge+ Membership; the Atmos Rewards Summit Visa Infinite alone has Avis / Hertz / National Elite Status & Discounts, baggage delay, Complimentary Wi-Fi Passes, elite status, emergency evacuation, Golf Benefit by Troon, Instant Travel Delay Credit, lounge access, Partner Redemption Booking Fee Waiver, purchase protection, return protection, Same-Day Change Fee Waiver and travel accident insurance.
Atmos Rewards Ascent Visa Signature
Bank of America · $95 annual fee · earns Atmos Rewards points
Earning rates
- 3x Alaska Airlines & Hawaiian Airlines purchases
- 2x Gas, EV charging, cable, streaming & local transit (incl. rideshare)
- 1x Everything else
Full Atmos Rewards Ascent Visa Signature breakdown — 11 more benefits on the full page.
Atmos Rewards Summit Visa Infinite
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.
Full Atmos Rewards Summit Visa Infinite breakdown — 22 more benefits on the full page.
Card data verified against issuer sources: Atmos Rewards Ascent Visa Signature on 2026-08-21, Atmos Rewards Summit Visa Infinite on 2026-08-27.
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