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CardCurator — Rewards Intelligence
Card Comparison

Atmos Rewards Summit vs The Business Platinum Card from American Express

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Atmos Rewards Summit card art
Atmos Rewards
Atmos Rewards Summit
Bank of America
More Info
The Business Platinum Card from American Express card art
American Express Membership Rewards
The Business Platinum Card from American Express
American Express
More Info
Annual Fee
$395/yr
$895/yr
Foreign Fees
None
None
Signup Bonus
100,000 points
Spend $6,000 in 3 months
300,000 points
Spend $20,000 in 3 months
Top Earn Rates
  • dining, foreign transaction, Alaska Airlines and Hawaiian Airlines 3x
  • All Other Purchases 1x
  • Flights (Amex Travel) 5x
  • Prepaid Hotels (Amex Travel) 5x
  • Purchases $5,000+ 1.5x
Reward Type
miles
miles
Key Credits
  • Annual Travel Credit $200
  • Dell Technologies Credit $200
  • Indeed Credit $360
  • Adobe Credit $150
  • +3 more
Card Perks
  • Free checked bag (~$70/yr)
  • 8 Alaska Lounge Passes (~$520/yr)
  • TSA PreCheck® or Global Entry (~$118/yr)
  • +2 more
  • Centurion Lounge Access
  • Priority Pass Select
  • Fine Hotels + Resorts
  • +5 more
Spend Milestones
  • 100,000-point Global Companion Award
    After $60,000 spend
No milestones
Transfer Partners
No transfer partners
  • Flying Blue
  • Delta SkyMiles
  • True Blue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
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Common Questions: Atmos Rewards Summit vs The Business Platinum Card from American Express

Is the Atmos Rewards Summit or The Business Platinum Card from American Express better for dining?

Atmos Rewards Summit earns 3x on dining; The Business Platinum Card from American Express 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). The Business Platinum Card from American Express offers 300,000 pts signup bonus (spend $20,000 in 3 months). The Business Platinum Card from American Express 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 The Business Platinum Card from American Express?

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 The Business Platinum Card from American Express is from American Express, so they're governed by separate bank policies.