It’s a big day for Alaska Airlines and Hawaiian Airlines flyers. The two carriers not only officially launched Atmos Rewards, their combined loyalty program, but also launched a new premium credit card: Atmos™ Rewards Summit Summit Summit VisaInfinite® credit card.
The top-notch product costs $395 annually, six-figure welcome bonuses and privileges built for frequent international travelers. This is the most feature-rich card in the Alaska-Hawaii portfolio, although it is not without its flaws.
Let’s break down the benefits to see where it glows and falls.
Information on Atmos Rewards Summit Visa Infinite has been collected independently by Points Guy. The card details on this page have not been reviewed by the issuer.
New Atmos Rewards Advanced Card Details
Welcome bonus
The card spent $6,000 or more in the first 90 days of opening, and the card initiated an offer to earn 100,000 Atmos bonus points and 25,000 Global Companion Awards.
If the Atmos reward points are the same as Alaska mileage, the bonus is worth up to $1,813 (based on TPG’s August 2025 valuation). This is not as high as it is offered in the most popular markets, but it is still a strong incentive.
If you registered interest on your card by the end of 2024, you can get an additional 5,000 bonus points if approved.
Even if you currently own or own other Alaska or Hawaiian cards, you are eligible for the Summit Welcome Bonus.
Bank of America has two main application rules:
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- 2/3/4: Usually, you can get up to two new U.S. bank cards in two months, one year, three years, and four out of four years.
- 3/12: If you open three or more new cards with any issuer in the past year, it will usually be denied; if you have a U.S. bank deposit account, it will increase to seven or more.
These rules are not executed 100% of the time, but are useful guides.
Annual fee
The annual fee of $395 is compared to the premium spending cards of other airlines. The top-level options for American Airlines, Delta Airlines and United Airlines are at least $595, while Southwest Airlines has a top-level card for $229.
Income rate
The top of the mountain has a simple structure. You will earn:
- Purchase every 3 o’clock in dining, foreign, Alaska Airlines and Hawaiian Airlines
- Every dollar spent on all other purchases
The biggest attraction is 3 points per dollar spent on foreign purchases.
For example, I will move to Spain next week and plan to spend a day abroad with my Capital One Venture X rewards credit card as it earns 2 miles per dollar (returns of 3.7% based on our August 2025 valuation).
If approved by the summit, I would consider switching to a 4.4% gain, although that means investing in Atmos reward points instead of Capital One’s 15+ transfer partners.
For Alaska-Hawaiian loyalists, the bonus category for catering and airlines is reliable, but it is less compelling if you want to diversify your points portfolio. Cardholders with eligible U.S. bank accounts earn a 10% bonus on all points earned.
Related: My Diversity of Rewards Helps me booking key points and miles of vacation
Companion Certificate
This revitalization is different from the companion fare of existing cards. Summit cardholders receive a 25,000-point Global Companion Award annually, with no spending requirements, plus the second 100,000-point Global Companion Award, which has an annual spending of $60,000.
These certificates can be used for partner travel in Alaska, Hawaiian, or any service category. You can also top it with other points.
For example, one-way AER LINGUS business-class flights to Ireland usually cost at least 90,000 points. By applying for a 25,000 bonus, you only need to pay 65,000 points.
The annual 25,000-point reward is worth approximately $363, covering 92% of the annual fee.
Lounge entry
Summit cardholders receive eight Alaska lounge passes each year, divided into two for each calendar quarter. Passes are available when traveling on same-day flights operated by Alaska, OneWorld Partners, or other Alaska partners. Existing Alaska Lounge members can share their passes with friends or family.
This setting may frustrate travelers who prefer unlimited access or who often fly in certain months rather than others. Both American and United offer unlimited lounges on their top-notch cards. On Delta’s top reserve card, you’ll get 15 visits unless you spend $75,000 in a calendar year. This expenditure level unlocks unlimited access DeltaSkymiles® Reserve American Express Card.
Summit cardholders who showcase their cards in the Alaska Lounge will also receive a “new premium bar experience with overhead wine, signature cocktails and exclusive curation” by 2026.
Elite status improvement
The cardholder will:
- Get 10,000 status points each year on card anniversary.
- Earn 1 status point for every $2 spent (unlimited).
With a $60,000 annual spend, you can reach the Atmos reward gold state, which is equivalent to the mid-level Oneworld Sapphire identity. Other Atmos reward cards are slower at 1 point per $3.
Travel allowance
When traveling in Alaska or Hawaiian and paying with a card, you and up to six people on the same booking will receive a free check bag. You can also get preferred boarding on flights from Alaska (now available) and Hawaiian (this fall).
Only the Alaska stipend (currently) includes free same-day flight changes and $50 vouchers for delays of two or more or cancel within 24 hours. The proceeds will expand to Hawaiian Airlines flights once both operators operate on the same booking system expected in 2026.
Cardholders also receive a credit of up to $120 per four years from Global Entry or TSA Precheck.
Redemption Options
$12.50 for Partner Rewards Booking Fee is exempt from Summit Cardholders. If you frequently redeem with partners like American Airlines, Japanese Airlines and Qantas, you can add up.
Summit cardholders can also share 10 Atmos reward members for free, avoiding the standard $10 per 1,000 transfer fee.
Summit Card is the only Atmos reward card with a hotel transfer partner:
- IHG One Reward (1:1, Limited Time Availability)
- Marriott Bonvoy (1:1)
- I prefer hotel rewards (1:2)
- Shangri-La Circle (8:1)
- Wyndham Rewards (1:1)
Despite this adding flexibility, hotel points are usually less than Atmos reward points, so transfers usually mean losing value. Unless you need to redeem for a specific redemption, you can better utilize your points.
Other cards
The Summit card is a visa unlimited card with the following protections and services:
- Automatic rental collision damage exemption
- Extended Warranty Protection
- Reimbursement of lost luggage
- Roadside dispatch
- Travel and emergency assistance services
- Unlimited concierge service for visiting visa
These privileges are standard on visa unlimited products, but they can still enhance the overall value proposition of the card. Frequent travelers may find lost luggage repayment and rental car coverage particularly useful.
There are no foreign transaction fees, either.
Smaller changes to other Alaska airline cards
The $95 Alaska Airlines VisaSignature® Credit Card is now the Atmos™ Rewards Ascent VisaSignature® Credit Card, while the $95 Alaska Airlines Visa® Business Card has also been reshaped as the Atmos™ Rewards VisaSignature® Business Card.
Starting in 2026, there will be no cap on earning status (formerly Elite Qualification Miles) for these cards. Until the end of the year, you can earn up to 1 status point per 3 dollars per year, every year.
Information on Alaska Airlines signatures, Atmos Award Visa and Alaska Airlines visa business has been independently collected by Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
These cards were last refreshed in March 2023, so it’s nice to see their annual fees stay the same as many mid-tier cards are now priced close to $150.
These two cards offer high bonuses:
- rise: Spend $4,000 or more purchases in the first 120 days of opening an account, earning 80,000 bonuses and $99 companion fare (plus $23 taxes and fees).
- Business: Spend $5,000 or more purchases in the first 90 days of opening an account, earning 80,000 bonuses and $99 companion fare (plus $23 taxes and fees).
Hawaiian Airlines Card has not been changed
Barclays issued Hawaiian Airlines® World Elite Mastercard® and Hawaiian Airlines World Elite Business Mastercard® have no changes.
Hawaiian Mills members will automatically transition to Atmos rewards on October 1.
Information on Hawaiian Airlines Mastercard and Hawaiian Airlines World Elite Commercial Mastercard has been independently collected by Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Bottom line
The new summit card offers powerful value for frequent Alaska and Hawaiian flyers, especially those who travel abroad and can make the most of the reward points for foreign purchases and valuable Global Companion Awards.
The status improvement and abandoned partner booking fees add more value, but limited lounge passes and fairly limited travel protections keep it from becoming a slam dunk.
The annual fee of $395 is worth it for travelers who can regularly redeem peer awards and meet the status spending threshold. For everyone else, lower-level atmospheric reward cards or flexible travel reward cards with transfer partners may lead to better long-term value.
Related: Is the airline credit card worth it?
