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Atmos Rewards Ascent Visa Signature vs Bilt Palladium

Both are well-respected travel cards. The Atmos Rewards Ascent Visa Signature comes from Bank of America at $95/yr; the Bilt Palladium from Bilt / Cardless at $495/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureAtmos Rewards Ascent Visa SignatureBilt Palladium
Annual fee$95$495
Sign-up bonus70,000 points + $99 Companion Fare50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Bonus value (est.)$980$1,125
Min spend to unlock bonus$2,500 in 3 mo$4,000 in 3 mo
IssuerBank of AmericaColumn N.A.
Card categoryairlinetravel
Best earning category (Alaska_hawaiian)3x1x
Transfer partnersNonebilt
Headline benefits
  • $99 Companion Fare annually
  • 70K + $99 Companion Fare welcome offer
  • 3x on Alaska & Hawaiian
  • No foreign tx fees
  • $400 Bilt Travel hotel credit
  • $200 Bilt Cash every year
  • Priority Pass + 2 guests
  • Flat 2x on everyday spend
Read the full review
Atmos Rewards Ascent Visa Signature
$95/yr · 70,000 points + $99 Companion Fare
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status

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 Palladium

Bilt 2.0's top tier ($495 AF), launched February 7, 2026 with Column N.A. as issuer and Cardless as servicer. A flat 2x everyday card that stacks $400 of Bilt Travel hotel credit, $200 of Bilt Cash a year, and Priority Pass with 2 guests. It does not have Obsidian's 3x category, so it wins on credits and lounge access rather than on multipliers. For Bilt loyalists who use the hotel credit and the lounges, the math works; for everyone else, Obsidian is plenty.

Common questions

Which card has the bigger sign-up bonus, Atmos Rewards Ascent Visa Signature or Bilt Palladium?
The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus 70,000 points + $99 Companion Fare (~$980) on the Atmos Rewards Ascent Visa Signature.
Is the Atmos Rewards Ascent Visa Signature's $95 annual fee worth it compared to the Bilt Palladium?
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 Palladium's, pick the one whose perks you'll actually use.
Can I have both the Atmos Rewards Ascent Visa Signature and Bilt Palladium?
Yes, since they're from different issuers (Bank of America and Column N.A.) 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 Palladium first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Atmos Rewards Ascent Visa Signature: $2,500 spend in 3 months. Bilt Palladium: $4,000 in 3 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.