Bank of AmericaAtmos Rewards Summit Visa InfiniteRegistry illustration · issuer artwork unavailable

Atmos Rewards Summit Visa InfiniteBank of America · N bank, AR · FDIC 3510

CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured

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Purchase APR

19.49%–28.24%

great to no score

Balance transfer

—

Cash advance APR

27.49%–28.74%

variable

Annual fee

$395

p.2a year

Foreign fee

Grace period

25 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Great credit	median 21.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 24.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
No credit score	median 22.75%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	19.49%–28.24% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for balance transfers	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances	27.49%–28.74% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty APRafter a late payment	up to 29.99% variableBank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to 29.99% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. This APR may be applied to new transactions on your account if you: • Make a late payment. How Long Will the Penalty APR apply?: If your APR is increased for this reason, the Penalty APR will apply indefinitely.”Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
Paying interestgrace period on new purchases	25 days from the close of each billing cycle	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$395, An Annual Fee of [see the Pricing Information table for fee amount]. The Annual Fee will be assessed each [month of account opening] if your account is open or if you maintain an account balance, whether or not you have active charging privileges.Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“$395”Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
Transaction fees
Cash advance	5% of the amountBank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“5%”Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
Balance transfer	4% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
Late payment	up to $41Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $41”Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 3
Repeat late fee within six billing cycles	$40Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
Monthly Custom Pay Plan Fee	$0, A fixed monthly fee determined and disclosed at the time the Plan is created based on the Plan duration, Purchase amount assigned to the Plan, Purchase APR, and other factors. It will never exceed 1.72% of the Purchase amount assigned to the Plan.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

Atmos Rewards Summit Visa Infinite Englishpage 2 of 11

Actual pricing will vary from one cardholder to another Annual Percentage Rate (APR) for Purchases These APRs will vary with the market based on the Prime Rate (as of 03/31/2026) · Prime + 12.74% to Prime + 20.74% (APR) 19.49% to 27.49% (DPR) 0.053397% to 0.075315% APR for Balance Transfers These APRs will vary with the market based on the Prime Rate (as of 03/31/2026) · Prime + 12.74% to Prime + 20.74% (APR) 19.49% to 27.49% (DPR) 0.053397% to 0.075315% APR for Direct Deposit and Check Cash Advances These APRs will vary with the market based on the Prime Rate (as of 03/31/2026) · Prime + 15.74% to Prime + 20.74% (APR) 22.49% to 27.49% (DPR) 0.061616% to 0.075315% APR for Bank Cash Advances These APRs will vary with the market based on the Prime Rate (as of 03/31/2026) · Prime + 20.74% to Prime + 22.49% (APR) 27.49% to 29.24% (DPR) 0.075315% to 0.080109% Penalty APR and When it Applies · Up to 29.99% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. This APR may be applied to new transactions on your account if you: • Make a late payment. How Long Will the Penalty APR apply?: If your APR is increased for this reason, the Penalty APR will apply indefinitely. Paying Interest · Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Purchases if you pay your entire balance or your Interest Saving Balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers on the transaction date. Monthly Custom Pay Plan Fee (Fixed Finance Charge) · Monthly fee of 1.72% of the amount of Purchases initially assigned to a Custom Pay Plan. See below for more information for the Monthly Custom Pay Plan Fees. Account Fees Annual · $395 Transaction Fees Balance Transfer % of Transaction · 4% to 5% ATM Cash Advance % of Transaction · 5% Cash Equivalent % of Transaction · 5%

1 2 3 4 5 6 7 8 9 10 11Pages 2 and 3 and 6 are cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Bank of America, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“Up to 29.99% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. This APR may be applied to new transactions on your account if you: • Make a late payment. How Long Will the Penalty APR apply?: If your APR is increased for this reason, the Penalty APR will apply indefinitely.”
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Bank of America, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“$395”
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Bank of America, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“5%”
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Bank of America, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 3
“Up to $41”
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Bank of America, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 6
“A 'Plan-Qualified Purchase' is a Purchase that we make available to be assigned into a Plan. Balance Transfers, Cash Advances, purchases of cash or Cash Equivalents, Foreign Transaction Fees, or any fees owed to us, including annual or membership fees, cannot be assigned to a Plan.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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Bank of America, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 6
“A 'Plan-Qualified Purchase' is a Purchase that we make available to be assigned into a Plan. Balance Transfers, Cash Advances, purchases of cash or Cash Equivalents, Foreign Transaction Fees, or any fees owed to us, including annual or membership fees, cannot be assigned to a Plan.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:atmos-rewards-summit-visa-infinite
Fields: Balance Transfer Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:atmos-rewards-summit-visa-infinite
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:atmos-rewards-summit-visa-infinite
Fields: Introductory APR Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:atmos-rewards-summit-visa-infinite
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:atmos-rewards-summit-visa-infinite
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR good, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:atmos-rewards-summit-visa-infinite
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR great, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:atmos-rewards-summit-visa-infinite
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR no score, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:atmos-rewards-summit-visa-infinite
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:atmos-rewards-summit-visa-infinite
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:atmos-rewards-summit-visa-infinite
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:atmos-rewards-summit-visa-infinite
Fields: Late Fee Six Month Billing Cycle
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:atmos-rewards-summit-visa-infinite
Fields: Other Fee Amount, Other Fee Explanation, Other Fee Name
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:atmos-rewards-summit-visa-infinite
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:atmos-rewards-summit-visa-infinite
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:atmos-rewards-summit-visa-infinite
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
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CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Late payment fee, Penalty APR
Dec 31, 2025: Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Bank of America
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 3510
Branches: 3,823 in AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA
Sources: Government dataset · 1 document · 3 pages cited

Documents

Atmos Rewards Summit Visa Infinite Englisheffective date not parsed

Atmos Rewards Summit Visa InfiniteBank of America · N bank, AR · FDIC 3510

Rates and fees