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Side-by-side

Atmos Rewards Ascent Visa Signature vs Home Depot Commercial Revolving Charge Card

Both are well-respected travel cards. The Atmos Rewards Ascent Visa Signature comes from Bank of America at $95/yr; the Home Depot Commercial Revolving Charge Card from Citi Retail Services at $0/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 ($1,600 more in estimated value) than the Home Depot Commercial Revolving Charge Card's. Get the Atmos Rewards Ascent Visa Signature first; revisit the Home Depot Commercial Revolving Charge Card after you've earned that bonus.

FeatureAtmos Rewards Ascent Visa SignatureHome Depot Commercial Revolving Charge Card
Annual fee$95$0
Sign-up bonus80,000 points + Companion Fare
Bonus value (est.)$1,600-
Min spend to unlock bonus$4,000 in 4 mo-
IssuerBank of AmericaCiti Retail Services
Card categoryairlinebusiness
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
    Read the full review
    Atmos Rewards Ascent Visa Signature
    $95/yr · 80,000 points + Companion Fare
    Read the full review
    Home Depot Commercial Revolving Charge Card
    $0/yr ·

    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: Home Depot Commercial Revolving Charge Card

    Common questions

    Which card has the bigger sign-up bonus, Atmos Rewards Ascent Visa Signature or Home Depot Commercial Revolving Charge Card?
    The Atmos Rewards Ascent Visa Signature has a public bonus (80,000 points + Companion Fare, worth roughly $1,600), while the Home Depot Commercial Revolving Charge Card doesn't advertise one right now.
    Is the Atmos Rewards Ascent Visa Signature's $95 annual fee worth it compared to the Home Depot Commercial Revolving Charge 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 Home Depot Commercial Revolving Charge Card's, pick the one whose perks you'll actually use.
    Can I have both the Atmos Rewards Ascent Visa Signature and Home Depot Commercial Revolving Charge Card?
    Yes, since they're from different issuers (Bank of America and Citi Retail Services) 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 Home Depot Commercial Revolving Charge Card 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. Home Depot Commercial Revolving Charge Card: no published min spend. 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.