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Atmos Rewards Ascent Visa Signature vs United Club Infinite Card

Both are well-respected travel cards. The Atmos Rewards Ascent Visa Signature comes from Bank of America at $95/yr; the United Club Infinite Card from Chase at $695/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 SignatureUnited Club Infinite Card
Annual fee$95$695
Sign-up bonus50,000 points + $0 Companion Fare80,000 miles (up to 90,000 with authorized user)
Bonus value (est.)$1,600$1,120
Min spend to unlock bonus$2,000 in 3 mo$5,000 in 3 mo
IssuerBank of AmericaChase
Card categoryairlinetravel
Best earning category (Alaska_hawaiian)3x1x
Transfer partnersNoneNone
Headline benefits
  • $99 Companion Fare annually
  • 80K + Companion Fare welcome offer
  • 3x on Alaska & Hawaiian
  • No foreign tx fees
  • United Club access
  • 4x on United
  • Hyatt Discoverist
  • Priority everything
Read the full review
Atmos Rewards Ascent Visa Signature
$95/yr · 50,000 points + $0 Companion Fare
Read the full review
United Club Infinite Card
$695/yr · 80,000 miles (up to 90,000 with authorized user)

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: United Club Infinite Card

Worth it only for frequent United flyers who use the clubs regularly. At $695, you need to visit the club 15+ times a year to break even on lounge access alone.

Common questions

Which card has the bigger sign-up bonus, Atmos Rewards Ascent Visa Signature or United Club Infinite Card?
The Atmos Rewards Ascent Visa Signature has the bigger bonus, 50,000 points + $0 Companion Fare, worth roughly $1,600, versus 80,000 miles (up to 90,000 with authorized user) (~$1,120) on the United Club Infinite Card.
Is the Atmos Rewards Ascent Visa Signature's $95 annual fee worth it compared to the United Club Infinite Card?
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 United Club Infinite Card's, pick the one whose perks you'll actually use.
Can I have both the Atmos Rewards Ascent Visa Signature and United Club Infinite Card?
Yes, since they're from different issuers (Bank of America and Chase) 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 United Club Infinite Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Atmos Rewards Ascent Visa Signature: $2,000 spend in 3 months. United Club Infinite Card: $5,000 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.