Card Comparison
Atmos Rewards Summit vs Southwest Plus
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$395/yr
$99/yr
Foreign Fees
None
None
Signup Bonus
100,000 points
Spend $6,000 in 3 months
85,000 points
Spend $3,000 in 3 months
Top Earn Rates
- dining, foreign transaction, Alaska Airlines and Hawaiian Airlines 3x
- All Other Purchases 1x
- Southwest Purchases 2x
- Gas Stations and Grocery Stores 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
No milestones
Transfer Partners
No transfer partners
No transfer partners
Common Questions: Atmos Rewards Summit vs Southwest Plus
Is the Atmos Rewards Summit or Southwest Plus better for dining?
Atmos Rewards Summit earns 3x on dining; Southwest Plus 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). Southwest Plus offers 85,000 pts signup bonus (spend $3,000 in 3 months). Southwest Plus 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 Southwest Plus?
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 Southwest Plus is from Chase, so they're governed by separate bank policies.