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Side-by-side

Atmos Rewards Ascent Visa Signature vs Bilt Obsidian

Both are well-respected travel cards. The Atmos Rewards Ascent Visa Signature comes from Bank of America at $95/yr; the Bilt Obsidian from Bilt / Cardless at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Atmos Rewards Ascent Visa Signature is the stronger pick today, the sign-up bonus is meaningfully larger ($1,400 more in estimated value) than the Bilt Obsidian's. Get the Atmos Rewards Ascent Visa Signature first; revisit the Bilt Obsidian after you've earned that bonus.

FeatureAtmos Rewards Ascent Visa SignatureBilt Obsidian
Annual fee$95$95
Sign-up bonus80,000 points + Companion Fare$200 Bilt Cash
Bonus value (est.)$1,600$200
Min spend to unlock bonus$4,000 in 4 mo$0 in 0 mo
IssuerBank of AmericaBilt / Cardless
Card categoryairlinetravel
Best earning category (Alaska_hawaiian)3x1x
Transfer partnersNonebilt
Headline benefits
  • $99 Companion Fare annually
  • 80K + Companion Fare welcome offer
  • 3x on Alaska & Hawaiian
  • No foreign tx fees
  • $100 Bilt Travel hotel credit
  • Pick 3x dining OR groceries
  • $300 Bilt Dining partner credit
  • $120 Lyft credit (via Bilt Cash)
Read the full review
Atmos Rewards Ascent Visa Signature
$95/yr · 80,000 points + Companion Fare
Read the full review
Bilt Obsidian
$95/yr · $200 Bilt Cash

Editorial take: Atmos Rewards Ascent Visa Signature

The current Atmos Rewards Ascent card replaces Alaska's legacy Visa Signature. The Companion Fare alone justifies the $95 fee, book a paid Alaska or Hawaiian ticket, take a partner along for $99 + tax. Easy three-figure value at the West Coast / Asia-via-Alaska routes Alaska reaches.

Editorial take: Bilt Obsidian

The headline tier of Bilt 2.0, launched February 7, 2026 by Cardless after the Wells Fargo era ended. Strongest for renters who eat out (or buy groceries) and use Lyft. The $100 hotel credit pays back most of the AF if you stay 2+ nights anywhere on the Bilt Travel portal. Pair with the no-fee Blue if you want a no-AF anchor too.

Common questions

Which card has the bigger sign-up bonus, Atmos Rewards Ascent Visa Signature or Bilt Obsidian?
The Atmos Rewards Ascent Visa Signature has the bigger bonus, 80,000 points + Companion Fare, worth roughly $1,600, versus $200 Bilt Cash (~$200) on the Bilt Obsidian.
Is the Atmos Rewards Ascent Visa Signature's $95 annual fee worth it compared to the Bilt Obsidian?
At $95/yr, the Atmos Rewards Ascent Visa Signature is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Bilt Obsidian's, pick the one whose perks you'll actually use.
Can I have both the Atmos Rewards Ascent Visa Signature and Bilt Obsidian?
Yes, since they're from different issuers (Bank of America and Bilt / Cardless) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Atmos Rewards Ascent Visa Signature or the Bilt Obsidian first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Atmos Rewards Ascent Visa Signature: $4,000 spend in 4 months. Bilt Obsidian: $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.