Our illustration in the card’s colours, not its design
Bank of America credit card
Atmos™ Rewards Summit Visa Infinite® Credit Card
- Bonus up · 70,000 to 80,000 · Nov 1, 2026
- APR up · 19.49% to 19.74% · Oct 4, 2026
$395 a year. 80,000 points welcome bonus. Purchase APR 19.74–27.74%, variable. No foreign transaction fees.
Checked Nov 8, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 8, 2026
Issuer's page · bankofamerica.com
“Earn 80,000 bonus points and a 25,000-point Global Companion Award after spending $4,000 or more on purchases within the first 90 days of opening your account.”
- Annual fee
- Receipt · Annual feeChecked Nov 8, 2026
CFPB credit card survey · Reported to the CFPB
“$395 annual fee † and no foreign transaction fees †”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 8, 2026
Issuer's page · bankofamerica.com
“19.74% - 27.74%”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 8, 2026
CFPB credit card survey · Reported to the CFPB
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
Bank of America’s terms
Welcome offer
80,000 points
$4,000 or more on purchases
Earn 80,000 bonus points and a 25,000-point Global Companion Award after spending $4,000 or more on purchases within the first 90 days of opening your account. Limited-time online offer.
- Larger than about 90% of the 44 other points bonuses we track.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | −$250 | −$250 | |
| Typical spender | $775 | −$25 | |
| Heavy spender | $1,210 | $410 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: not counted: 10x 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account; not counted: 3x foreign transaction purchases; points valued at an assumed 1¢; welcome bonus needs $4,000 in 3 months.
−$250a year
The same in the first year and after.
Rewards and credits$145
−$250 after the fee−$395 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 10x 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account; not counted: 3x foreign transaction purchases; points valued at an assumed 1¢; welcome bonus needs $4,000 in 3 months.
−$25a year
$775 the first year, with the welcome bonus.
Rewards and credits$370
−$25 after the fee−$395 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 10x 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account; not counted: 3x foreign transaction purchases; points valued at an assumed 1¢.
$410a year
$1,210 the first year, with the welcome bonus.
Rewards and credits$805
You keep $410−$395 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 10x 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account; not counted: 3x foreign transaction purchases; points valued at an assumed 1¢.
Use your own spending
Estimates from the published terms above, as checked Nov 8, 2026; not advice. How we value cards
Against the market
How it compares
- Lower top APR than about 55% of the 163 cards on our Sign-up bonuses list (see the list).
Other points cards with fees over $300
- PalladiumBilt · $495 a year+$240 a year
- American Express The American Express® Gold CardAmerican Express · $325 a year+$75 a year
- Hilton Honors American Express AspireAmerican Express · $550 a year−$5 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Atmos™ Rewards
How you earn
- 10%
- 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account
- 3×
- eligible dining purchasesforeign transaction purchasesAlaska Airlines purchasesHawaiian Airlines purchases
- 1×
- Everything else
“What it’s worth” values a point at an assumed 1¢.
Benefits
- Airport Security Statement Credit: $120 every 4 years
- Instant Travel Delay Credit: $50 other
- Free checked bag for you and up to 6 guests on the same reservation when you pay for an Alaska Airlines or Hawaiian Airlines flight with the card
- Up to $120 Airport Security Statement Credit every four years in connection with TSA PreCheck or Global Entry
- 8 Alaska Lounge passes every calendar year (2 per quarter)
All 16 benefits
- 10,000 Atmos Rewards status points on each account anniversary
- 25,000-point Global Companion Award on every account anniversary
- 100,000-point Global Companion Award annually after spending $60,000 or more on purchases in that year
- Preferred boarding for you and up to 6 guests on the same reservation when paying for an Alaska Airlines or Hawaiian Airlines flight with the card
- Waived fees for same-day confirmed Alaska flight changes, a savings of up to $75 per change
- Redemption with no blackout dates on Alaska Airlines, Hawaiian Airlines, or network airline partners; redemption fees waived when booking travel on Alaska's network of airline partners
- Share accumulated points with up to ten additional Atmos Rewards members
- Atmos Rewards Visa Infinite Concierge service
- Visa Infinite Luxury Hotel Collection benefits at premium hotels, including late checkouts, free breakfast daily for two, and automatic upgrades (some based on availability)
- Visa Infinite Car Rental Benefits: VIP amenities, complimentary status upgrades and discounts with Avis, Hertz and National
- $0 Liability Guarantee for fraudulent transactions
Changes
- Nov 1, 2026 Bonus 70,000 to 80,000
- Oct 4, 2026 APR 19.49% to 19.74%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 8, 2026 CFPB credit card survey · Reported to the CFPB “$395 annual fee † and no foreign transaction fees †” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 8, 2026 Issuer's page · bankofamerica.com “19.74% - 27.74%” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 8, 2026 Issuer's page · bankofamerica.com “19.74% - 27.74%” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 8, 2026 Issuer's page · bankofamerica.com “5% of the amount of each transaction.” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 8, 2026 Issuer's page · bankofamerica.com The source states this figure; we have no exact sentence on file yet. |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 8, 2026 Issuer's page · bankofamerica.com “5% of the amount of each transaction.” |
| Penalty APR | Receipt · Penalty APRChecked Nov 8, 2026 Issuer's page · bankofamerica.com “Up to 29.99% , based on your creditworthiness.” |
| Late payment | Receipt · Late paymentChecked Nov 8, 2026 Issuer's page · bankofamerica.com “Up to $41 .” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 8, 2026 CFPB credit card survey · Reported to the CFPB The source states this figure; we have no exact sentence on file yet. |
| Grace period | Receipt · Grace periodChecked Nov 8, 2026 Issuer's page · bankofamerica.com “Your due date is at least 25 days after the close of each billing cycle.” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $395 · Reported to the CFPB, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · Reported to the CFPB, since Oct 7, 2026
- What is the purchase APR?
- 19.74–27.74% APR · bankofamerica.com, since Oct 8, 2026
- Is there a welcome bonus?
- 80,000 points after $4,000 in purchases. · bankofamerica.com, since Nov 1, 2026