Atmos Rewards Summit Review 2026
EDITOR'S PICKUpdated Feb 16, 2026·CardStack Data Team
Quick Answer
The Atmos Rewards Summit earns X on all purchases with a $395 annual fee.
1.5/5
Overall
1.0/5
Value
CompareAtmos Rewards Summit vs Delta SkyMiles Blue·Atmos Rewards Summit vs Blue Business Cash·Atmos Rewards Summit vs Blue Business Plus·Atmos Rewards Summit vs Blue Cash Everyday·Atmos Rewards Summit vs Cash Magnet
Rewards Structure
| Category | Rate | Effective ¢/$ | MCCs |
|---|---|---|---|
| Everything Else | 1X pts/$ | 1.00¢ | All |
Check MCCMCC Lookup Tool
Benefits
Effective Annual Fee
Annual fee–$395
Net annual cost–$395 effective cost
Financial disclaimer: CardStack is not a financial advisor. Credit card terms, APRs, and fees are set by BANK_OF_AMERICA and subject to change. Verify all information on the issuer's website before applying.
Strengths and Weaknesses
Strengths
- No foreign transaction fees
Weaknesses
- $395 annual fee
- 1X base rate on non-bonus spending
Who This Card Is For
International Travelers
No foreign transaction fees
Frequently Asked Questions
Is the Atmos Rewards Summit worth $395/year?
For moderate spenders, generally yes. The Atmos Rewards Summit offers rewards and benefits that typically exceed the $395 annual fee for anyone who uses the bonus categories regularly.
What credit score is needed for the Atmos Rewards Summit?
Most successful applicants have a credit score of 670 or higher. Higher scores significantly improve approval odds.
Methodology
This review draws on data from 35+ independent sources including official product pages, the CFPB Credit Card Agreements Database, community approval datapoints, expert point valuation sources, and our proprietary MCC verification database. Rankings are data-driven with no affiliate influence on placement. Card terms were last verified on February 16, 2026. Full methodology: cardstack.co/methodology.