The Atmos Rewards Summit Visa Infinite® Credit Card is the latest premium Alaska Airlines cobranded card unveiled alongside refreshes of Alaska’s two existing cards. The card’s release marks the launch of Alaska Airlines and Hawaiian Airlines’ combined loyalty program, Atmos Rewards.

Points and miles enthusiasts are buzzing about the Summit’s earning rates and benefits. Prospective cardholders may wonder if they’re eligible for the card and to earn its welcome bonus, especially if they currently hold or previously held an Alaska Airlines or Hawaiian Airlines card.

Before you apply, let’s determine if you meet the eligibility criteria for the Atmos Rewards Summit card.

Atmos Rewards Summit welcome offer and benefits

One of the highlights of applying for a new card is the opportunity to earn a welcome bonus.

All three Atmos Rewards credit cards currently have large welcome offers, but the Atmos Rewards Summit has the highest offer of the three.

New cardholders can earn 100,000 bonus points and a 25,000-point Global Companion Award after spending $6,000 on purchases within the first 90 days from account opening.

In addition to a generous welcome offer, cardholders earn:

• 3 points per dollar spent on Alaska Airlines and Hawaiian Airlines purchases
• 3 points per dollar spent on eligible dining purchases
• 3 points per dollar spent on foreign transactions
• 1 point per dollar spent on all other purchases

As a premium card, some of its notable benefits include:

• Anniversary status points: Receive 10,000 status points each card anniversary, putting you halfway to Atmos Rewards Silver status.
• Free points sharing: You can share points with up to 10 other Atmos Rewards members at no charge.
• Global Companion Awards: Each anniversary, receive an annual 25,000-point Global Companion Award and earn a second 100,000-point Global Companion Award after spending $60,000 or more with your card.
• Lounge access: Receive eight Alaska Lounge passes per year (two per calendar quarter), and starting in 2026, access to an elevated premium bar experience.
• Pathway to elite status: Earn 1 status point per $2 spent on purchases, earning Atmos Silver status (equivalent to Oneworld Ruby status) after $20,000 in spending and Atmos Rewards Gold status (equivalent to Oneworld Sapphire status) after $60,000 in spending.
• Waived award fees on partner flights: Save up to $12.50 per person one-way when using points to book partner award tickets.

As a frequent traveler, I find the card’s earning rates and benefits quite amazing. There are only a few eligibility rules to be aware of before applying.

Related: Why American Airlines flyers should pay attention to Alaska Airlines Atmos Rewards

What if you’re an existing Alaska or Hawaiian cardholder?

The Alaska Airlines Visa Signature Card® (no longer available) has been converted to the Atmos Rewards Ascent Visa Signature® Credit Card and the Alaska Airlines Visa® Business Credit Card (no longer available) is now the Atmos Rewards Visa Signature® Business Card.

You won’t be eligible for a welcome bonus on either of these cards if you currently have them, because your old accounts would have changed over.

However, if you currently hold the Hawaiian Airlines® World Elite Mastercard® or the Hawaiian Airlines® Business Mastercard®, you would potentially qualify for the Atmos Rewards Summit card.

The information for the Alaska Airlines Visa Signature, Alaska Airlines Visa Business, Hawaiian Airlines Mastercard and Hawaiian Airlines Business cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

TPG Managing Editor Clint Henderson had both his personal and business Alaska cards converted to the new Atmos Rewards equivalent and was instantly approved when applying for the Atmos Rewards Summit card. He is also a cardholder of both the personal and business versions of the Hawaiian Airlines cards.

Related: HawaiianMiles will transfer to Atmos Rewards — here’s what you need to know

What are the eligibility requirements for the Atmos Rewards Summit?

In short, since the Atmos Rewards Summit is a newly released card, most people applying for the card should be eligible to earn the welcome offer. To increase your chances of approval, you should have a credit score of at least 670.

There is no family restriction on holding more than one Atmos Rewards card or earning the welcome bonuses.

So if you’re planning on applying for the Atmos Rewards Ascent or the Atmos Rewards Business, you can earn the welcome bonus on either card alongside the bonus on the Atmos Rewards Summit.

Related: Atmos Rewards Ascent vs. Business: Which $95 Alaska-Hawaiian card should you get?

Don’t forget Bank of America’s application rules

Now that we’ve covered eligibility for existing cardholders of other Atmos Rewards cards, don’t rush to apply before you consider Bank of America’s application restrictions.

The most common rule you’ll likely be subject to is the 2/3/4 rule. This means you can only get approved for two new Bank of America cards in a 30-day period, three cards in a 12-month period and four cards in a 24-month period.

This applies to personal cards and not Bank of America-issued business cards.

Related: The ultimate guide to credit card application restrictions

What’s the best strategy for getting the Atmos Rewards Summit?

If you’re thinking about applying for the Atmos Rewards Summit card and other Atmos Rewards cards, there are several paths you can take.

Apply for the Atmos Rewards Summit first

Since the Atmos Rewards Summit is brand-new, apply for this card first to secure the high welcome offer.

Apply for a personal and business Atmos Rewards card

If you were planning on applying for two cards within a short period of time, consider applying for the Atmos Rewards Summit and the Atmos Rewards Business to maximize your chances of approval. (But remember the Bank of America restrictions.)

Applying for more than one Atmos Rewards card can unlock substantial value.

New Atmos Rewards Business cardholders earn a welcome bonus of 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $5,000 or more on purchases within the first 90 days from account opening.

Paired with the Atmos Rewards Summit card, you’ll have more than 180,000 bonus points after meeting the minimum spending requirement on each card, enabling you to maximize the program’s great award chart.

The bonus points are enough for a one-way business-class ticket on Japan Airlines from Los Angeles to Tokyo for 75,000 points or on Qatar Airways from New York to Doha for 70,000 points.

In addition, by holding another Atmos Rewards card, you broaden your points-earning potential. You’ll earn 2 points per dollar spent at electric vehicle charging stations and gas stations, on local transit (including ride-hailing services), and on shipping purchases.

By holding both cards, you’ll maximize the Atmos Rewards program’s offerings, including the ability to earn elite status with Alaska and its Oneworld equivalent through eligible credit card spending.

Atmos Rewards Business cardholders earn 1 status point for every $3 in eligible spending (up to 30,000 status points per year), while Atmos Rewards Summit cardholders earn 1 status point for every $2 spent, with no spending cap. Beginning in 2026, status earnings will no longer be capped on the business card.

Related: 8 ways to maximize your chances of being approved for a credit card

Bottom line

As it’s a new credit card, many applicants may be eligible to apply for the Atmos Rewards Summit and earn its welcome bonus, given that you have an eligible credit score and are not in violation of Bank of America’s 2/3/4 rule.

For Oneworld loyalists and those looking to earn elite status and take advantage of a great award chart, the new Atmos Rewards Summit can be your investment in this new loyalty program.

To learn more, read our full review of the Atmos Rewards Summit.

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Apply here: Atmos Rewards Summit

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The Business Platinum Card® from American Express currently features the highest welcome bonus it’s ever offered publicly: Earn 200,000 bonus points after spending $20,000 on eligible purchases within the first three months of card membership.

Those points are worth $4,000, per TPG’s October 2025 valuations, which offer a compelling reason to consider applying.

But before you start filling out your application, you might wonder if you’re even eligible to take advantage of this offer. This is a small-business card, so there are different requirements than when you apply for a personal card.

However, you might qualify for the Amex Business Platinum Card and that fantastic welcome offer without even realizing it.

Here are some of the ways to determine if you’re eligible to apply for the Amex Business Platinum card and whether it makes sense to do so.

Amex Business Platinum Card details

As a quick reminder, here are the current offer details and a roundup of the card’s key perks:

Current welcome offer

New Amex Business Platinum cardmembers can earn 200,000 bonus points after spending $20,000 on eligible purchases within the first three months of card membership.

This is the highest welcome bonus we’ve ever seen publicly offered on this card.

Annual fee

The Amex Business Platinum card comes with a $895 annual fee (see rates and fees). While this fee is large, it is possible to offset this cost by maximizing the statement credits and benefits that come with the card.

Earning

The Amex Business Platinum earns points at the following rates:

• 5 points per dollar spent on flights and prepaid hotels booked on amextravel.com
• 2 points per dollar spent on eligible purchases at U.S. construction material and hardware suppliers, U.S. electronic goods retailers, U.S. software and cloud system providers and U.S. shipping providers, as well as on purchases of $5,000 or more (up to $2 million per calendar year, then 1 point per dollar spent)
• 1 point per dollar spent on other purchases

Key benefits

The Amex Business Platinum includes numerous statement credits, including:

• Dell statement credit: Up to $150 in statement credits on U.S. purchases made directly at Dell and an additional up to $1,000 statement credit after spending $5,000 or more with Dell each calendar year*
• Hotel statement credit: Up to $600 hotel statement credit per calendar year (up to $300 in semi-annual credits), on prepaid Amex Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel when you pay with your Amex Business Platinum (Hotel Collection stays require a two-night minimum)
• Indeed statement credit: Up to $360 in annual statement credits on Indeed (up to $90 per quarter)*
• Adobe statement credit: Up to $250 statement credit after spending $600 or more on U.S. purchases made directly at Adobe each calendar year (subject to auto-renewal)*
• Clear Plus statement credit: Up to $209 in statement credits per calendar year toward an annual Clear Plus membership for expedited airport security (subject to auto-renewal)*
• Airline fee credits: Up to $200 each year in statement credits per calendar year for charges by the qualified airline you select
• Hilton statement credit: Up to $200 statement credit per calendar year (up to $50 quarterly) on eligible purchases made directly with a property in the Hilton portfolio (Hilton for Business program membership is required)
• Global Entry or TSA PreCheck: Up to $120 in statement credits for Global Entry or TSA PreCheck applications ($120 for Global Entry every four years or up to $85 for TSA PreCheck every 4½ years)
• Wireless telephone service statement credits: Up to $120 in annual statement credits for purchases made directly from any U.S. wireless telephone provider (up to $10 per month)*
• Amex Travel flights and One AP: Up to $1,200 in Amex Travel flight statement credits and up to $2,400 in One AP statement credits (valid from Jan. 1 to Dec. 31 of the calendar year after meeting the requirement), both after spending $250,000 or more on eligible purchases in a calendar year

Other benefits include a 35% airline bonus when you use Pay with Points for airfare booked through Amex Travel (up to 1,000,000 points back each calendar year) on the airline that you select for your annual up to $200 airline fee statement credit, regardless of fare class, and complimentary Gold elite status in Hilton Honors*, Gold elite status with Marriott Bonvoy* and Leaders Club Sterling status from Leading Hotels of the World.*

Plus, eligible cardmembers receive access to Centurion Lounges, Delta Sky Clubs (when flying Delta)**, Priority Pass lounges* (for you and two guests) and Airspace lounges.

Thanks to all these perks, the Amex Business Platinum regularly ranks among the best business rewards cards.

*Enrollment is required.

**Eligible Platinum Card Members will receive 10 Visits per Eligible Platinum Card per year to the Delta Sky Club or to Grab and Go when traveling on a same-day Delta-operated flight.

Related: Lesser-known benefits of the Amex Business Platinum card

Are you eligible to apply for the Amex Business Platinum?

You can be eligible for the Amex Business Platinum, including its welcome offer, if you’re a first-time applicant.

Even if you’re a freelancer, independent contractor or have a side hustle, you can still get approved for the Business Platinum. You don’t need to make seven figures (or even five figures) from your small business each year to have a small-business card.

Let’s look at the terms and conditions of the card itself, and then we’ll delve into some of the more specific application rules Amex has in place.

Amex Business Platinum application terms

Like many other American Express cards, the Amex Business Platinum has strict eligibility rules when it comes to earning its welcome offer — especially for current or former cardmembers.

According to the application terms:

You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

In other words, you may be disqualified not only for having had the card before, but also if you’ve opened and close multiple Amex cards or carried out a lot of balance transfers.

Not sure if you’ve had the card in the past? Amex has a handy tool during the application process that will let you know if you’re eligible for the welcome offer before your application is processed.

That said, welcome offer eligibility with Amex isn’t always so cut and dry — it’s based on a range of internal factors, so your mileage may vary.

Amex application restrictions

American Express typically limits most people to holding a maximum of five Amex credit cards at once — including both personal and business cards.

However, certain products, like the American Express Platinum Card® and the Amex Business Platinum, are a little different from traditional credit cards in that they have no preset spending limit — which means that your spending limit is flexible, unlike a traditional card with a set limit. The amount you can spend adapts based on factors such as your purchase, payment and credit history.

Because these cards fall into a separate category, they are likely not subject to Amex’s five-credit-card limit. That doesn’t guarantee approval, however.

Amex also considers your overall profile, including creditworthiness and recent application history, when deciding whether to approve you.

Amex also typically limits approvals to two cards within a 90-day period, so if you’ve recently applied for another Amex card, you may need to wait before applying again.

If you already have several Amex cards with high credit limits, the issuer may not be willing to extend any further debt to you.

Speaking of issuer application restrictions, if you’re eyeing a Chase card like the Chase Sapphire Preferred® Card (see rates and fees), you might be worried about Chase’s 5/24 rule.

But there’s good news: Amex business cards don’t count toward that limit. So you can apply for the Amex Business Platinum without affecting your chances of getting a Chase card down the line.

Related: The ultimate guide to credit card application restrictions

Does it matter if you already have a personal Amex Platinum card?

Not at all. The personal and business versions of the Amex Platinum are considered separate products, so already holding the personal card won’t disqualify you from applying for the Business Platinum — or from earning its welcome offer.

Do you need a business to apply?

Not necessarily. While the Amex Business Platinum is technically a small-business card, you don’t need a formal business to qualify. Amex — and other issuers — recognize that freelancers, independent contractors and side hustlers often need business credit cards to separate personal and work expenses.

That said, the Business Platinum is a premium product, so approval isn’t guaranteed for just any side gig. You may need to provide proof of business income or supporting details like a “doing business as” (DBA) name, depending on your application.

Can you get the card twice?

In some cases, yes — especially if you operate multiple businesses. There are reports of cardmembers being targeted with offers to apply for a second Amex Business Platinum with another welcome offer.

Amex understands that separate businesses may require separate cards for accounting and expense tracking. So if you run more than one venture — or work for multiple companies —you could be prequalified for an additional Business Platinum.

These instances are relatively rare, though. If you do receive one, it’s a good idea to contact Amex directly to confirm your eligibility for the welcome offer before applying.

Call the reconsideration line

If your application for the Amex Business Platinum is declined, don’t give up just yet — calling the Amex reconsideration line can give you a second shot at approval. By calling them, you can ask if there were specific issues with your application that you can address over the phone or by providing further information.

During the call, you can ask if there were specific concerns with your application and offer to provide additional information. Be prepared to explain why you’re interested in the card — beyond just the welcome offer — such as specific features or benefits that align with your business needs.

You may also need to supply details about your business, including income verification and business address.

If you’re still denied, don’t be discouraged. You may be eligible to apply again in the future, especially if Amex rolls out an elevated welcome offer. Consider it a platinum lining.

Bottom line

The Amex Business Platinum remains one of the top small-business rewards cards on the market — especially with its current elevated welcome offer. If you’re thinking about applying, take a moment to read the eligibility requirements to give yourself the best chance of approval.

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Apply here: The Business Platinum Card from American Express

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For rates and fees of the Amex Business Platinum, click here.