Atmos™ Rewards Summit Visa Infinite® Credit Card from Bank of America: annual fee, APR and rewards

Fact sheet for the Atmos™ Rewards Summit Visa Infinite® Credit Card, issued by Bank of America, with a $395 annual fee and miles. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Bank of America
Network	Visa
Annual fee	$395 a year
Rewards	Miles: Earn 3 points for every $1 on eligible Alaska Airlines and Hawaiian Airlines purchases, eligible dining purchases and eligible foreign transaction purchases; 1 point for every $1 on other purchases
Purchase APR	19.74% to 27.74%, based on your creditworthiness, when you open your account. This APR will vary with the market based on the Prime Rate.
Balance transfer fee	5% of the amount of each transaction
Sign-up bonus	Limited-time online offer: 70,000 bonus points plus a Global 25K Companion Award after making at least $3,000 in purchases (excluding fees) that post within 90 days of account opening
Foreign transaction fee	None
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 21.74%, with a range of 19.49% to 28.24%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.