Atmos™ Rewards Summit Visa Infinite® Credit Card — Bank of America
Atmos™ Rewards Summit Visa Infinite® Credit Card — Bank of America is a personal credit card from Bank of America. Application typically pulls a credit report from Experian. The annual fee is $395. The ongoing APR is 19.74% to 27.74%. Signup bonus: 80,000 bonus points and a 25,000-point Global Companion Award after $4,000 or more in purchases within 90 days of opening (limited-time online offer). Rewards: 3 points per $1 on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases; 1 point per $1 on all other purchases; 10% rewards bonus with an eligible Bank of America account; 25,000-point Global Companion Award every account anniversary; 100,000-point Global Companion Award after $60,000+ in purchases in a year; 10,000 status points each anniversary; 8 Alaska Lounge passes per year; free checked bag and preferred boarding for cardholder + up to 6 guests; up to $120 TSA PreCheck/Global Entry credit every four years. Typical credit limit: At least $10,000. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: • Bank of America usually approves at most 2 new Bank of America cards in 2 months, 3 in 12 months and 4 in 24 months (user-reported, Doctor of Credit).
• Bank of America may also deny you after too many new cards at any bank: reports suggest about 6 in the last 12 months if you bank with them, about 2 if you don't (user-reported, Doctor of Credit)..