Atmos Rewards Summit Card: Trip Delay, Lost Bag, And Other Travel Coverage Explained

The $395 annual fee Atmos™ Rewards Summit Visa Infinite® Credit Card (learn more) is the lucrative premium personal credit card of Alaska & Hawaiian. In this post, I’d like to talk about the travel protection offered by the card, for things including delayed flights, lost bags, and more. After all, the Atmos Rewards Summit Card is a product you may very well want to use for travel purchases, so it’s worth understanding what the benefits are. Separately, I’ve covered the card’s primary rental car coverage benefit, which is a valuable perk that many people look for in a premium credit card. Beyond travel and rental car protection, there are lots of reasons to get this card, from a huge welcome bonus, to the ability to spend your way toward status, to the great perks, ranging from Global Companion Awards, to Alaska Lounge passes, to waived partner award booking fees, to free points sharing. It’s a card I’ve already applied for, and get value from. Link: Learn more about the Atmos™ Rewards Summit Visa Infinite® Credit Card Travel protection for delayed flights, lost bags, and moreWhy this kind of travel credit card coverage is valuableAtmos Rewards Summit Card cardholder benefits guideAtmos Rewards Summit Card travel protection FAQsBottom line Travel protection for delayed flights, lost bags, and more One thing that travelers should look for in a premium credit card is good travel protection, for things like trip interruption, lost or delayed bags, etc. Fortunately, the Atmos Rewards Summit Card offers pretty strong perks in this regard, so you shouldn’t hesitate to put airfare and other travel purchases on this card. To start, let me emphasize that you should always consult the cardholder benefits guide, since these benefits are subject to change. You can access that by logging into your account, going to the “Statements & Documents” section, and then clicking on “Your Cardholder Benefits Guide,” which will then populate a PDF. Mine was generated when I applied for the card in 2025, and it hasn’t changed since. Atmos Rewards Summit Card cardholder benefits The Atmos Rewards Summit Card is a Visa Infinite Card, so it offers the type of travel coverage you’d expect to find on such a premium card. While I’ll post the cardmember agreement below, let me cover the most important types of travel coverage offered by the card, as I see it. The card offers the following coverage (in all cases, consult the guide to benefits, because there are important terms): Emergency evacuation and transportation — the card offers up to $100,000 in coverage if you need to be evacuated while traveling, though this coverage is supplemental to any other plans you may have Trip cancellation and trip interruption coverage — the card offers up to $2,500 in coverage if you’re prevented from starting or completing a trip due to accidental injury, disease, or physical illness (either for yourself or an immediate family member) Trip delay reimbursement — the card offers up to $500 in coverage if your flight is delayed by six or more hours, or requires an overnight, due to an airline delay or cancellation Lost luggage reimbursement — the card offers up to $3,000 in coverage ($2,000 for New York residents) if your bag is lost by an airline due to theft or misdirection Baggage delay reimbursement — the card offers up to $100 per day in coverage (for up to five days) if your bag is delayed by an airline for more than six hours, in order to purchase essentials, like toiletries, chargers, clothing, etc. Again, make sure you read the actual guide to benefits, because there are lots of terms, and the above is just a high level summary. But my point is to explain that this card does offer solid protection, in line with other top premium cards. Let me also emphasize that in most situations (like with trip delay reimbursement and baggage delay reimbursement), you’re eligible for the coverage as long as you purchase at least a portion of your entire ticket with the card. In other words, if you’re redeeming Atmos Rewards points for a flight, you’d be covered as long as you charge the taxes and fees to your card. Travel coverage is an important premium card perk Why this kind of travel credit card coverage is valuable Broadly speaking, there’s huge value in having a card with premium travel coverage, and that’s an area where the Atmos Rewards Summit Card checks all the boxes. On the most basic level, I find the trip delay reimbursement and baggage delay reimbursement to be the most valuable, given the frequency with which that comes in handy. If you travel with any frequency, you’re going to have flights where things go wrong, and this benefit could save you hundreds. I think what’s specifically worth calling out is that if you redeem Atmos Rewards points with any frequency, you’re going to want to pay the taxes and fees with the Atmos Rewards Summit Card, given that it waives the $20 partner award booking fee. So you can put the taxes and fees on the card, and still be assured that you’ll get that useful travel coverage. Another thing worth pointing out is that there’s merit to putting all kinds of travel purchases on the Atmos Rewards Summit Card, given that it offers 3x points on foreign purchases, with the potential to earn an additional 10% points relationship bonus points. So yeah, I very much appreciate the card’s combination of being very rewarding for a lot of travel spending, while also offering great coverage on those purchases. The Atmos Rewards Summit is great for airfare purchases Atmos Rewards Summit Card cardholder benefits guide In the interest of being thorough, let me just share the cardholder benefits guide below. This is the current guide as of October 2025 (it hasn’t changed since), and you can open any of the pictures in a new window to view a higher resolution version. Atmos Rewards Summit Card benefits guide Atmos Rewards Summit Card benefits guide Atmos Rewards Summit Card benefits guide Atmos Rewards Summit Card benefits guide Atmos Rewards Summit Card benefits guide Atmos Rewards Summit Card benefits guide Atmos Rewards Summit Card benefits guide Atmos Rewards Summit Card benefits guide Atmos Rewards Summit Card travel protection FAQs Does the Atmos Rewards Summit Card have travel insurance? Yes, the Atmos Rewards Summit Visa Infinite Card includes several travel protection benefits, including trip cancellation and interruption coverage, trip delay reimbursement, lost luggage reimbursement, baggage delay reimbursement, and emergency evacuation and transportation coverage. Be sure to check the benefits guide for full details. Does the Atmos Rewards Summit Card cover flight delays? Yes, the Atmos Rewards Summit Card offers trip delay reimbursement when an eligible flight is delayed for six or more hours or requires an overnight stay because of an airline delay or cancellation. The benefit provides up to $500 in reimbursement. Be sure to check the benefits guide for full details. Does the Atmos Rewards Summit Card cover lost luggage? Yes, the Atmos Rewards Summit Card offers lost luggage reimbursement of up to $3,000 when checked or carry-on luggage is lost by an airline because of theft or misdirection. Be sure to check the benefits guide for full details. Does the Atmos Rewards Summit Card cover delayed baggage? Yes, the Atmos Rewards Summit Card provides baggage delay reimbursement when an airline delays your baggage for more than six hours. Eligible cardmembers can receive up to $100 per day for up to five days to purchase essential items such as toiletries, clothing, and chargers. Be sure to check the benefits guide for full details. Do I get Atmos Rewards Summit Card travel protection when booking an award ticket? Yes, the Atmos Rewards Summit Card offers travel protection when booking an award ticket, as long as you charge the taxes & fees to the card. That means you can generally redeem Atmos Rewards points for a flight and charge the taxes and fees to the card while still qualifying for applicable travel protection. Be sure to check the benefits guide for full details. Where can I find the Atmos Rewards Summit Card benefits guide? The most current Atmos Rewards Summit Card benefits guide should be available through your Bank of America account. Log in, go to the “Statements & Documents” section, and select “Your Cardholder Benefits Guide.” Because credit card benefits can change, it’s important to consult the current guide rather than relying solely on an older copy or a summary of the benefits. Bottom line The Atmos Rewards Summit Card offers valuable travel protection, including for emergency evacuation, trip cancellation and interruption coverage, trip delay reimbursement, lost luggage reimbursement, baggage delay reimbursement, and more. This is more or less in line with the coverage you’ll find on the best cards out there. The good news is that most of the flight coverage applies as long as you charge a portion of your ticket to the card, which includes just paying taxes on the card for an Atmos Rewards award ticket. What do you make of the Atmos Rewards Summit Card travel protection benefits?