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CardCurator — Rewards Intelligence
Card Comparison

Atmos Rewards Summit vs United℠ Business Card

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
United℠ Business Card card art
United MileagePlus
United℠ Business Card
Chase
More Info
Annual Fee
$395/yr
$150/yr
Foreign Fees
None
None
Signup Bonus
100,000 points
Spend $6,000 in 3 months
100,000 points
Spend $5,000 in 3 months
Top Earn Rates
  • dining, foreign transaction, Alaska Airlines and Hawaiian Airlines 3x
  • All Other Purchases 1x
  • United Purchases 2x
  • Dining 2x
  • Gas Stations 2x
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
  • Two United Club One-Time Passes (~$100/yr)
  • Free First Checked Bag (~$160/yr)
  • Priority Boarding
  • +2 more
Spend Milestones
  • 100,000-point Global Companion Award
    After $60,000 spend
No milestones
Transfer Partners
No transfer partners
No transfer partners
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Common Questions: Atmos Rewards Summit vs United℠ Business Card

Is the Atmos Rewards Summit or United℠ Business Card better for dining?

Atmos Rewards Summit earns 3x on dining; United℠ Business Card earns 2x on dining. Atmos Rewards Summit wins for dining.

Which has the higher signup bonus in 2026?

Atmos Rewards Summit currently offers 100,000 pts signup bonus (spend $6,000 in 3 months). United℠ Business Card offers 100,000 pts signup bonus (spend $5,000 in 3 months). United℠ Business Card 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 United℠ Business Card?

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 United℠ Business Card is from Chase, so they're governed by separate bank policies.