Atmos Rewards Ascent Visa Signature
Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $2,500 or more on purchases within the first 90 days of account opening.
Benefits and fees last verified May 2026against the issuer's published terms.
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.
Earning Rates
At a glance
- $99 Companion Fare annually
- 70K + $99 Companion Fare welcome offer
- 3x on Alaska & Hawaiian
- No foreign tx fees
Earning rates
5- 3xflights
Earn 3 Atmos Rewards points per $1 on eligible Alaska Airlines and Hawaiian Airlines purchases, including airfare and in-flight purchases (per Alaska Airlines product page Segment 3 points per $1 spent and OMAAT review)
- 2xgas
Earn 2 Atmos Rewards points per $1 on eligible gas, EV charging station, local transit and rideshare, cable, and select streaming services purchases (per Alaska Airlines product page Segment Earn for everyday life)
- 1xflights
Earn 1 Atmos Rewards point per $1 on all other purchases (per Alaska Airlines product page Effortless 1:1 earning segment)
- flights
Atmos Rewards status earning with spend: earn 1 elite-qualifying status point for every $3 in eligible purchases on the card, with no annual cap, contributing toward Atmos Rewards elite tiers in the new Alaska and Hawaiian unified loyalty program (per Alaska Airlines product page A faster path to status segment and OMAAT review; the higher-tier Atmos Rewards Summit Visa Infinite earns at 1 status point per $2)
- 3xlodging
1:1 transfer partners into Atmos Rewards: Bilt Rewards transfers to Atmos Rewards at 1:1 (3x rent earning on Bilt up to $50,000 per calendar year is creditable as Atmos points) and Atmos Rewards points can be transferred outbound to select hotel partners including Marriott Bonvoy (1:1), Wyndham Rewards (1:1), IHG One Rewards (1:1), and Preferred Hotels (per TPG Alaska Airlines Atmos Rewards guide)
Statement credits
3- $250Companion FareYearly
Annual $99 Companion Fare (+ taxes from $23) after $6,000+ in spend during prior cardmember year. Editorial value vs. cash equivalent of a typical round-trip companion ticket.
- 20% back as a statement credit on Alaska Airlines and Hawaiian Airlines in-flight purchases, including food, beverages, and Wi-Fi, when paid with the card (per Alaska Airlines product page 20 back onboard segment and OMAAT review)
- $100$100 statement credit toward an annual Alaska Lounge+ membership when you pay for the membership with the card; an Alaska Lounge+ membership ordinarily costs $795 per year and includes access to all Alaska Lounges plus access to a network of nearly 100 partner lounges around the world (including American Airlines Admirals Clubs) (per Alaska Airlines product page 100 off Lounge+ membership segment and OMAAT review)
Perks & memberships
5- Airline perkFree first checked bag on Alaska Airlines and Hawaiian Airlines operated flights for the cardholder plus up to six additional guests on the same reservation when the airfare is purchased with the card; authorized users on the account also receive the free checked bag benefit on tickets paid with the card even when traveling without the primary cardholder (per Alaska Airlines product page Free checked bags segment and OMAAT review; OMAAT documents that the cardholder benefit covers the cardholder plus six guests and that authorized users also receive the benefit, with $35 to $40 per checked bag standard fees making this worth up to $80 per person roundtrip)
- Airline perkPreferred boarding on Alaska Airlines and Hawaiian Airlines operated flights for the cardholder plus up to six additional guests on the same reservation when the airfare is purchased with the card; authorized users also receive priority boarding when their ticket is paid with the card (per Alaska Airlines product page Preferred boarding segment and OMAAT review)
- No foreign feesNo foreign transaction fees on purchases made outside the United States (per Alaska Airlines product page and OMAAT review)
- Card networkVisa Signature card network: this is a Visa Signature card, so the standard Visa Signature suite of issuer-elected benefits applies via the Bank of America Guide to Benefits (per Alaska Airlines product page title Atmos Rewards Ascent Visa Signature and Visa Signature network reference)
- Airline perkAuthorized users at no additional annual fee, with authorized users eligible for the free checked bag and preferred boarding benefits on tickets they pay for with the card even when traveling without the primary cardholder (per OMAAT review)
Travel & purchase protections
4- Visa Signature travel and emergency assistance services: 24/7 access to medical, legal, and travel assistance referrals as a Visa Signature network benefit (cardholder pays for actual goods and services obtained; per Visa Signature network reference)
- Visa Signature roadside dispatch: pay-per-use roadside assistance with no membership required, included as a Visa Signature network benefit (per Visa Signature network reference)
- Auto rental collision damage waiver: secondary coverage in the cardholder's country of residence and primary coverage when traveling abroad, as the Bank of America-elected Visa Signature default on this card; coverage applies when the entire rental is charged to the card and the rental company's CDW is declined (per Visa Signature network reference; this is the standard Visa Signature CDW posture unless the issuer has elected to upgrade to primary, and Bank of America has not advertised a primary CDW upgrade on the Atmos Rewards Ascent)
- Travel accident insurance: provided as a Visa Signature card benefit while you are a cardmember (specific limits per the Bank of America Guide to Benefits for the Atmos Rewards Ascent; per Visa Signature network reference)
More benefits & fine print (4)ShowHide
- Bank of America Preferred Rewards relationship bonus: cardholders with an eligible Bank of America consumer checking or savings account receive a 10% bonus on all base points earned on the card; no enrollment required beyond holding the eligible deposit account (per Alaska Airlines product page 10 rewards bonus segment and OMAAT review)
- Atmos Rewards points redemption flexibility: book award flights on Alaska Airlines, Hawaiian Airlines, and the full Oneworld partner network (including American Airlines, British Airways, Cathay Pacific, Fiji Airways, Iberia, Japan Airlines, Malaysia Airlines, Qantas, Qatar Airways, Royal Air Maroc, Royal Jordanian, S7 Airlines, SriLankan, Finnair), with TPG estimating Atmos Rewards points at 1.4 cents apiece and highlighting Cathay Pacific or Japan Airlines business class from the U.S. to Asia for 75,000 points one-way and Fiji Airways business class to Fiji for 75,000 points one-way (per TPG Atmos Rewards Ascent review and TPG Alaska Airlines Atmos Rewards guide)
- Atmos Rewards short-haul value: economy award flights on Alaska or Hawaiian start at 4,500 Atmos Rewards points one-way for flights up to 700 miles, making the points highly efficient for short West Coast hops (per TPG Atmos Rewards overview)
- Atmos Rewards points have no expiration on this account as long as the account remains open and in good standing (per OMAAT review explaining points dynamics on Atmos cards and the general Atmos Rewards program rules)
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
How we verified this card (5 sources)ShowHide
Spotted something off? Report an issue. Read our verification methodology.
How to Earn the Bonus
Spend $2,500 in the first 3 months to earn the 70,000 points + $99 Companion Fare bonus.
See the Current Offer
Earn 70,000 points + $99 Companion Fare
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Have a trip in mind?
Start a trip search to see how many points a specific award costs and how this card's welcome bonus and transfer partners help close the gap. Nothing is booked and no availability is checked.