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Side-by-side
Atmos Rewards Visa Signature Business Card vs Avianca LifeMiles American Express Elite Card
Both are travel travel cards. The Atmos Rewards Visa Signature Business Card comes from Bank of America at $70/yr; the Avianca LifeMiles American Express Elite Card from Cardless at $249/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 Avianca LifeMiles American Express Elite Card's. Get the Atmos Rewards Visa Signature Business Card first; revisit the Avianca LifeMiles American Express Elite Card after you've earned that bonus.
| Feature | Atmos Rewards Visa Signature Business Card | Avianca LifeMiles American Express Elite Card |
|---|---|---|
| Annual fee | $70 | $249 |
| Sign-up bonus | 70,000 points + $99 Companion Fare | Not advertised |
| Bonus value (est.) | $1,120 | - |
| Min spend to unlock bonus | $4,000 in 3 mo | - |
| Issuer | Bank of America | Cardless |
| Card category | travel | travel |
| Best earning category (Airline) | 3x | 3x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Atmos Rewards Visa Signature Business Card
$70/yr · 70,000 points + $99 Companion Fare
Read the full review
Avianca LifeMiles American Express Elite Card
$249/yr ·
Editorial take: Avianca LifeMiles American Express Elite Card
Common questions
- Which card has the bigger sign-up bonus, Atmos Rewards Visa Signature Business Card or Avianca LifeMiles American Express Elite Card?
- The Atmos Rewards Visa Signature Business Card has a public bonus (70,000 points + $99 Companion Fare, worth roughly $1,120), while the Avianca LifeMiles American Express Elite Card doesn't advertise one right now.
- Is the Atmos Rewards Visa Signature Business Card's $70 annual fee worth it compared to the Avianca LifeMiles American Express Elite Card?
- At $70/yr, the Atmos Rewards Visa Signature Business Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Avianca LifeMiles American Express Elite Card's, pick the one whose perks you'll actually use.
- Can I have both the Atmos Rewards Visa Signature Business Card and Avianca LifeMiles American Express Elite Card?
- Yes, since they're from different issuers (Bank of America and 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 Visa Signature Business Card or the Avianca LifeMiles American Express Elite Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Atmos Rewards Visa Signature Business Card: $4,000 spend in 3 months. Avianca LifeMiles American Express Elite 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.