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Side-by-side
BECU Low Rate Credit Card vs Atmos Rewards Visa Signature Business Card
Both are well-respected travel cards. The BECU Low Rate Credit Card comes from BECU at $0/yr; the Atmos Rewards Visa Signature Business Card from Bank of America at $70/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 Visa Signature Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,120 more in estimated value) than the BECU Low Rate Credit Card's. Get the Atmos Rewards Visa Signature Business Card first; revisit the BECU Low Rate Credit Card after you've earned that bonus.
| Feature | BECU Low Rate Credit Card | Atmos Rewards Visa Signature Business Card |
|---|---|---|
| Annual fee | $0 | $70 |
| Sign-up bonus | No welcome bonus | 70,000 points + $99 Companion Fare |
| Bonus value (est.) | $0 | $1,120 |
| Min spend to unlock bonus | $0 in 0 mo | $4,000 in 3 mo |
| Issuer | BECU | Bank of America |
| Card category | low-interest | travel |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
BECU Low Rate Credit Card
$0/yr · No welcome bonus
Read the full review
Atmos Rewards Visa Signature Business Card
$70/yr · 70,000 points + $99 Companion Fare
Editorial take: Atmos Rewards Visa Signature Business Card
Common questions
- Which card has the bigger sign-up bonus, BECU Low Rate Credit Card or Atmos Rewards Visa Signature Business Card?
- The Atmos Rewards Visa Signature Business Card has the bigger bonus, 70,000 points + $99 Companion Fare, worth roughly $1,120, versus No welcome bonus (~$0) on the BECU Low Rate Credit Card.
- Is the BECU Low Rate Credit Card's $0 annual fee worth it compared to the Atmos Rewards Visa Signature Business Card?
- The BECU Low Rate Credit Card has no annual fee, so the question is whether the Atmos Rewards Visa Signature Business Card's $70 fee is justified by its perks. If you'll use enough of the Atmos Rewards Visa Signature Business Card's benefits to clear $70 in value annually, it's worth it; otherwise stick with the BECU Low Rate Credit Card.
- Can I have both the BECU Low Rate Credit Card and Atmos Rewards Visa Signature Business Card?
- Yes, since they're from different issuers (BECU and Bank of America) 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 BECU Low Rate Credit Card or the Atmos Rewards Visa Signature Business Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Low Rate Credit Card: $0 spend in 0 months. Atmos Rewards Visa Signature Business Card: $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.