Atmos Rewards Summit Visa Infinite Credit Card
bank of america
4.3 / 5
- Welcome
- 70,000 points
- Annual fee
- $395
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Bank of America · atmos rewards
Atmos Rewards Ascent Visa Signature Credit Card
4.2 / 5
Atmos Rewards points · Personal card
A $95 airline card whose annual Companion Fare and free checked bag can cover the fee on one round trip for a pair of travelers. Earning outside Alaska and Hawaiian purchases is ordinary, and the points only work inside the Atmos Rewards program.
At a glance
- Welcome bonus
- 50,000 points
- Spend $1,500 in 3 months
- Annual fee
- $95
- Year-one and ongoing
- Purchase APR
- 19.74% to 27.74%
- No intro APR
- FX fee
- None
Editorial
Our take
A $95 airline card whose annual Companion Fare and free checked bag can cover the fee on one round trip for a pair of travelers. Earning outside Alaska and Hawaiian purchases is ordinary, and the points only work inside the Atmos Rewards program.
Verdict
Pros & cons
Pros
- Annual Companion Fare from $122 after $6,000 in yearly spend
- Free checked bag and preferred boarding for the cardholder and up to six companions
- No foreign transaction fees
- 10% relationship bonus on points for Bank of America and Merrill customers
Cons
- Non-airline everyday spending earns only 1 to 2 points per $1
- Points cannot be transferred to other loyalty programs
- Companion Fare requires $6,000 of spend each year to keep earning it
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| Alaska & Hawaiian Airlines purchases | 3x points | Must be booked directly with Alaska or Hawaiian. Third-party bookings earn 1 point per $1. |
| Gas, EV charging, cable, streaming & local transit | 2x points | Includes service stations, fuel dispensers, EV charging, pay TV and streaming, digital media, commuter transit, rail, taxis, rideshare, bus, tolls. |
| All other purchases | 1x points | |
| Atmos Rewards Dining restaurants | 0.5x points | 1 point per $2 spent through the Atmos Rewards Dining program, stacked on top of base earning. |
Benefits
Key benefits
Annual Companion Fare
After $6,000 or more in net purchases post by the card anniversary, the primary cardholder receives a Companion Fare code from $122 ($99 base fare plus taxes and fees from $23) for a round-trip or one-way Saver or Main Cabin fare in North America.
Free checked bag for up to seven
The cardholder and up to six guests on the same reservation each get a free checked bag on Alaska- and Hawaiian-marketed flights when the airfare is paid with the card.
Preferred boarding
Cardholders and up to six guests on the same reservation board before general boarding on Alaska- and Hawaiian-marketed flights.
20% inflight rebate
20% statement credit on Alaska Airlines onboard food, beverage and Wi-Fi purchases and Hawaiian Airlines onboard food and beverage purchases made with the card.
Bank of America relationship bonus
Cardholders with a qualifying Bank of America or Merrill account earn a 10% bonus on the points earned on each $1 of net purchases.
Fit
Who this is best for
- West Coast and Hawaii flyers on Alaska or Hawaiian
- Couples who take at least one paid round trip a year
- People who already bank with Bank of America or Merrill
FAQ
Frequently asked questions
What is the Atmos Ascent welcome bonus?
Earn 50,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $1,500 in the first 90 days.
Does the Atmos Ascent charge an annual fee?
Yes. The annual fee is $95 every year.
Does the Atmos Ascent have a foreign transaction fee?
No. The Atmos Ascent charges no foreign transaction fee, so it works well for international purchases.
What APR does the Atmos Ascent charge?
The purchase APR is 19.74% to 27.74% variable.
Who is the Atmos Ascent best for?
West Coast and Hawaii flyers on Alaska or Hawaiian. Couples who take at least one paid round trip a year. People who already bank with Bank of America or Merrill.
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Apply
Atmos Rewards Ascent Visa Signature Credit Card
Spend $1,500 in 3 months
Rates accurate as of October 6, 2026. Issuer terms.