BoA Alaska Atmos Summit credit card review (2026.4 Update: 100k Donation)

2026.4 Update: 100k offer is back.

2025.11 Update: 100k offer has expired. There is currently only a standard supply of 80k.

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Benefits

1. 100k offer: earn 100,000 Alaska Miles after spending $6,000 in the first 90 days. Plus a Global Companion reward of 25k points. This is the best offer on this card.
2. We value Alaska Miles at 1.6 cents/point (Airline Miles Value), so a 100k welcome offer is worth about $1,600!
3. Earn 3x Alaska Miles on eligible Alaska Airlines, Hawaiian Airlines, dining and foreign purchases; and 1x Alaska Miles on all other purchases.
4. Global 25K Companion Award of the Year for a companion on the same itinerary, when booking travel using your Atmos™ Rewards points. Additionally, receive a Global 100K Companion Award every year you spend 60,000 or more on purchases in that anniversary year.
5. Receive 8 Alaska Lounge passes and 8 Wi-Fi passes each year (2 per calendar quarter).
6. A free checked bag for you and up to 6 guests traveling in the same destination when you purchase an Alaska or Hawaiian Airlines flight with the card.
7. Earn a 10% rewards bonus on all points earned on card purchases if you have an eligible Bank of America® account.
8. Earn 10,000 status points every year on your account anniversary and earn 1 status point for every $2 spent on purchases.
9. Up to $120 Airport Security Credit every four years with respect to TSA PreCheck® or Global Entry trusted traveler programs.
10. Get a $50 voucher for an Alaska Airlines flight cancellation or 2+ hour flight delay.
11. Don’t pay a change fee if you need to make a same-day change to your Alaska Airlines flight plans – save up to $50 per change.
12. Flexibility with no blackout dates or redemption fees on Alaska Airlines, Hawaiian Airlines or partner airline flights when booking with points or a Global Companion Award.
13. There is no foreign currency.
14. You can refer a friend: go to this web page to generate your own referral link. Earn 10k miles with each approval, and earn up to 250k miles per year. Note that the generated transfer link is not for this card, instead for the Atmos Ascent card.

Evil

1. $395 annual fee, NO first year fee.

Recommended Application Period

1. We recommend that you apply for this card after you have a credit history of at least one year.
2. 2/3/4 Rule: BoA will only allow a minimum of: 2 cards per 2 month roll; 3 cards per 12 month roll; and 4 cards per 24 months. Because their IT system has not been fully updated, you may not be denied due to this rule. Instead, you may be initially authorized, and then the account will be closed due to “mistaken authorization”.
3. 24 month rule: This card will not be available to you if you have or have had a card in the previous 24 months.

Summary

This premium card welcome gift is worth it, but its long-term value is questionable. The $395 annual fee isn’t really offset by any easy-to-use credits. The biggest highlight is obviously the 3x miles on all international deals. If you can’t find a way to make money across borders, this card may have a different value.

After applying

• Click here to check BoA application status.
• BoA reconsideration hotline: 800-732-9194. It seems the price is changing. Please let us know immediately if it fails. Representatives here can contact decision makers directly.

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