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Each card across six value dimensions (0–100). Bigger area = more all-round value.
| Perk | Bank of AmericaBofA Unlimited CashBank of America | Bank of AmericaAtmos Summit Visa InfiniteBank of America |
|---|---|---|
| Annual fee | $0 Verified by source | $395 Verified by source |
| Realized value* | $0 | $0 |
| Net / year | +$0 | −$395 |
| Value check | Earns its keep | Earns its keep |
| Rewards | cashback | miles |
| Lounges | — | |
| Points & Miles | 1.5× All purchases (1.5%; 25–75% more with Preferred Rewards) Verified by source | 3× Alaska Airlines & Hawaiian Airlines purchases Verified by source 3× Dining Verified by source 3× Foreign purchases Verified by source 1× Everything else Verified by source |
| Redemption Value | 1¢ per pt Verified by source | 1.4¢ per pt Estimated by source |
| Hotel Perks | — | — |
| Credits | — | — |
| Protections | — | — |
| Foreign Tx Fees | 3% Verified by source | None Inferred by source |
| Cashback | 1.5% on all purchases (up to 2.62% with Preferred Rewards) Verified by source | — |
| Data last verified | Jun 6, 2026 | Jun 18, 2026 |
| Apply | Apply | Apply |
*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it
On paper the Bank of America® Unlimited Cash Rewards comes out ahead: by realized value minus the annual fee, the Bank of America® Unlimited Cash Rewards nets +$0/yr and the Atmos™ Rewards Summit Visa Infinite® Card nets −$395/yr. Which is actually better depends on your spending and which perks you'll use.
The Bank of America® Unlimited Cash Rewards has the lower annual fee ($0 vs $395).
The Atmos™ Rewards Summit Visa Infinite® Card includes lounge access (Alaska Lounge); the Bank of America® Unlimited Cash Rewards does not.