Bank of America Atmos Rewards Summit review
Its best category is dining, at 3.9% back, though other cards earn more there.
- Updated October 17, 2026
- $395 annual fee
- Earns Atmos Rewards points
- 106 cards compared
Who it suits
Bank of America Atmos Rewards Summit
- Earns the most on dining: $3.90 back on $100, #15 of 106.
- At Alaska Airlines: $3.90 back on $100 (3.9%).
- At Hawaiian Airlines: $3.90 back on $100 (3.9%).
- It costs $395 a year, and Chase Freedom Flex, with no annual fee, earns as much or more on dining right now.
Rates change, so verify them with the issuer before you apply.
See if it beats your cards on diningWhere it earns the most
What it earns on a $100 purchase in each category, and where that places it among the 106 cards we track.
| Category | On $100 | Rank |
|---|---|---|
| Dining | $3.90 3.9% | #15 of 106 |
| Groceries | $1.30 1.3% | #84 of 106 |
| Gas | $1.30 1.3% | #90 of 106 |
| Travel | $1.30 1.3% | #70 of 106 |
| Airfare | $1.30 1.3% | #70 of 106 |
| Hotels | $1.30 1.3% | #73 of 106 |
| Transit | $1.30 1.3% | #78 of 106 |
| Streaming | $1.30 1.3% | #74 of 106 |
| Drugstores | $1.30 1.3% | #65 of 106 |
| Online shopping | $1.30 1.3% | #65 of 106 |
| Wholesale clubs | $1.30 1.3% | #64 of 106 |
| Everything else | $1.30 1.3% | #63 of 106 |