BoA Alaska Atmos Summit Credit Card Review (2026.4 Update: 100k Offer)

2026.4 Update: The 100k offer comes back.

2025.11 Update: The 100k offer is expired. Currently there’s only a 80k regular offer.

Application Link

Benefits

1. 100k offer: earn 100,000 Alaska Miles after spending $6,000 in first 90 days. Plus a 25k-point Global Companion Award. This is the best offer on this card.
2. We value Alaska Miles at 1.6 cents/point (Airline Miles Value), so the 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. Annual Global 25K Companion Award for a travel 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 of each per calendar quarter).
6. Free checked bag for you and up to 6 guests traveling on the same reservation when you purchase Alaska or Hawaiian Airlines airfare with the card.
7. Earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
8. Get 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 in connection with the TSA PreCheck® or Global Entry trusted traveler programs.
10. Receive a $50 voucher for Alaska Airlines flight cancellations or departure delays of 2 hours+.
11. Pay no change fee when you need to make a same-day change to your Alaska Airlines flight plans – a savings of 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. No foreign transaction fee.
14. You can refer a friend: go to this webpage to generate your referral link. Get 10k miles per approval, and earn up to 250k miles per year. Note that the generated referral link is not for this card, instead it’s for the Atmos Ascent card.

Disadvantages

1. $395 annual fee, NOT waived for the first year.

Recommended Application Time

1. We recommend you apply for this card after you have a credit history of at least one year.
2. 2/3/4 Rule: BoA will only approve you for at most: 2 cards per rolling 2 months; 3 cards per rolling 12 months; and 4 cards per rolling 24 months. Because their IT system hasn’t been fully updated yet, you may not get declined because of this rule. Instead, you may get approved at first, and then the account will be closed because of “approved in error”.
3. 24 month churn rule: This card will not be available to you if you currently have or have had the card in the preceding 24 month period.

Summary

This premium card’s welcome offer is definitely 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 clearly the 3x miles on all foreign transactions. If you can figure out a way to manufacture spend across borders, then this card could have some unique value.

After Applying

• Click here to check BoA application status.
• BoA reconsideration backdoor number: 800-732-9194. It seems that the number is changing. Please inform us at once if it fails. The representatives here can get in touch with decision-makers directly.

Related Credit Cards

Best Downgrade Options

Historical Offers Chart

Application Link

If you like this post, don’t forget to give it a 5 star rating!