Most airline credit cards get generous only when you're buying flights or hotel stays. The Atmos Rewards Summit Visa Infinite, from the combined Alaska Airlines and Hawaiian Airlines program, takes a different approach: it earns 3 Atmos Rewards points per dollar on every eligible foreign-currency purchase, full stop. Hotel in Tokyo, train ticket in Switzerland, groceries in Mexico — all at the same rate, with no caps and no categories to track.
At The Points Guy's September 2026 valuation of roughly 1.55 cents per point, that works out to about 4.65 cents of value per dollar spent abroad. Bank of America account holders can push it further: a 10% rewards bonus lifts the rate to 3.3 points per dollar, or around 5.12 cents.
Compare that with the usual premium airline card suspects, and the gap is obvious. The Citi/AAdvantage Globe ($350 fee) gives just 1 mile per dollar on general spending; the Delta SkyMiles Platinum Amex ($350) is the same on everything outside its bonus categories; the United Quest ($350) also drops to 1x. None of them reward the everyday stuff — transport, shopping, snacks — that makes up most of what people actually charge on a trip. Even the Amex Gold, which beats it on dining at 4x, runs into patchy acceptance outside the US, while the Summit rides Visa's worldwide network.
The card costs $395 a year and currently offers 80,000 bonus points plus a 25,000-point Global Companion Award after spending $4,000 in the first 90 days. That companion award is genuinely flexible: it discounts the second passenger's award ticket by up to 25,000 points (or 100,000 points if you spend $60,000 in an anniversary year), works across Alaska's partners including Hawaiian, British Airways, Qantas, Iberia, Icelandair and Korean Air, in any cabin. Other perks include anniversary status points, lounge and Wi-Fi passes, free checked bags on Alaska and Hawaiian, and waived same-day flight change fees.
The real hook, though, is that you don't need to fly Alaska to get value. Atmos Rewards inherited the old Mileage Plan award chart, long a favourite among points fans for its partner sweet spots. Examples worth knowing: American Airlines short hops of up to 700 miles from 4,500 points, West Coast-to-Hawaii economy on Hawaiian from 10,000 points, Aer Lingus business class to Ireland from 45,000, and Japan Airlines or Fiji Airways business class from the West Coast at 75,000 points.
Who's this for? Anyone who travels internationally a few times a year and wants one card they can use for everything abroad without thinking about it. If your spending overseas is mostly restaurant meals and you're loyal to Amex, the calculus shifts — but as a simple, high-earning companion for foreign trips, with a redemption chart that punches well above its weight, the Summit currently has no real rival among airline cards.