Atmos Rewards Summit vs Free Spirit
Atmos Rewards Summit
$395/yr
6.0/10
VS
Free Spirit
$79/yr
6.5/10
Quick Answer
Atmos Rewards Summit charges $395/yr with 1X base rewards. Free Spirit charges $79/yr with 1X base rewards. Free Spirit offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Free Spirit
Lower annual fee ($395 vs $79)
Rewards Earning
Atmos Rewards Summit
3 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Free Spirit wins for most people
The $316 fee difference is hard to justify unless you maximize premium benefits.
Apply for Free SpiritPREMIUM PICK
Atmos Rewards Summit wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Atmos Rewards SummitRewards Earning: Detailed Comparison
Atmos Rewards Summit
| Sustainable brands | 5.0X |
| Dining & grocery | 3.0X |
| Everything else | 1.5X |
Free Spirit
| Spirit Airlines purchases | 3.0X |
| Dining & grocery | 2.0X |
| Everything else | 1.0X |