Card Comparison
Atmos Rewards Summit vs British Airways Visa
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$395/yr
$95/yr
Foreign Fees
None
None
Signup Bonus
100,000 points
Spend $6,000 in 3 months
85,000 points
Spend $5,000 in 3 months
Top Earn Rates
- dining, foreign transaction, Alaska Airlines and Hawaiian Airlines 3x
- All Other Purchases 1x
- British Airways, Aer Lingus, and Iberia 3x
- hotel accommodations when booked directly with the hotel 2x
- All Other Purchases 1x
Reward Type
miles
miles
Key Credits
- Annual Travel Credit $200
None
Card Perks
- Free checked bag (~$70/yr)
- 8 Alaska Lounge Passes (~$520/yr)
- TSA PreCheck® or Global Entry (~$118/yr)
- +2 more
None listed
Spend Milestones
- 100,000-point Global Companion AwardAfter $60,000 spend
- Travel Together Ticket every calendar year you make $30,000 in purchases on your British Airways credit card. Valid for two years when you redeem Avios for a flight on British Airways for a companion traveling on the same flight, or use it for a 50% discount on the Avios price you pay when booking a solo reward flightAfter $30,000 spend
Transfer Partners
No transfer partners
No transfer partners
Common Questions: Atmos Rewards Summit vs British Airways Visa
Is the Atmos Rewards Summit or British Airways Visa better for dining?
Atmos Rewards Summit earns 3x on dining; British Airways Visa has no dining bonus.
Which has the higher signup bonus in 2026?
Atmos Rewards Summit currently offers 100,000 pts signup bonus (spend $6,000 in 3 months). British Airways Visa offers 85,000 pts signup bonus (spend $5,000 in 3 months). British Airways Visa has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Atmos Rewards Summit and the British Airways Visa?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Atmos Rewards Summit is from Bank of America and British Airways Visa is from Chase, so they're governed by separate bank policies.