Atmos Rewards Visa Signature Business Card

Earning Rates

Key Benefits

All Benefits

• Current public welcome offer: earn 80,000 bonus Atmos Rewards points plus a $99 Companion Fare (plus taxes and fees from $23) after spending $5,000 in the first 90 days from account opening (per the Bank of America Atmos Rewards Visa Signature Business apply page and TPG review); Atmos Rewards points are valued at approximately 1.6 cents each post Alaska + Hawaiian merger, making the 80K signup bonus worth roughly $1,280 in award travel
• $70 annual fee for the company and $25 per additional employee card, not waived in the first year (per the Bank of America Atmos Rewards Visa Signature Business apply page and TPG review)
• Earn 3 Atmos Rewards points per $1 on eligible Alaska Airlines direct purchases, including airfare, in-flight food and beverages, Wi-Fi, baggage fees, and seat upgrades booked directly with Alaska (per the Bank of America apply page and TPG review)
• Earn 3 Atmos Rewards points per $1 on eligible Atmos Rewards airline partner purchases booked directly with the partner, covering the full Oneworld network plus Atmos's non-Oneworld partners such as Fiji Airways, Singapore Airlines, and Korean Air (per the Bank of America apply page)
• Earn 3 Atmos Rewards points per $1 on eligible Hawaiian Airlines direct purchases, including airfare, baggage, and in-flight purchases (per the Bank of America apply page and TPG review)
• Earn 2 Atmos Rewards points per $1 on dining purchases worldwide, including restaurants, cafes, takeout, and eligible food delivery services (per the Bank of America Atmos Rewards Visa Signature Business apply page and TPG review)
• Earn 2 Atmos Rewards points per $1 on local transit and commuting purchases, including rideshare (Uber, Lyft), taxis, trains, buses, subways, ferries, and parking (per the Bank of America apply page)
• Earn 1 Atmos Rewards point per $1 on all other purchases not covered by the 3X or 2X bonus categories, with no caps on any earning tier (per the Bank of America apply page)
• Annual $99 Companion Fare benefit: each account anniversary, receive a $99 Companion Fare (plus taxes and fees from $23) good on Alaska Airlines or Hawaiian Airlines operated flights; the companion travels on a separately ticketed roundtrip in coach and earns Atmos Rewards points like a normal ticket (per the Bank of America apply page; the anniversary Companion Fare on the Business card is issued with the standard $99 fare plus taxes structure carried forward from the legacy Alaska Business Card)
• Free first checked bag on Alaska Airlines and Hawaiian Airlines operated flights for the primary cardholder plus up to 6 additional companions on the same reservation when the airfare is purchased with the card; with standard checked bag fees of $35 to $40 per direction, this can be worth several hundred dollars per roundtrip on a full reservation (per the Bank of America apply page)
• Preferred boarding on Alaska Airlines and Hawaiian Airlines operated flights for the cardholder when the airfare is purchased with the card (per the Bank of America apply page)
• 20% back as a statement credit on Alaska Airlines and Hawaiian Airlines in-flight purchases (food, beverages, Wi-Fi) when paid with the card, the same benefit that exists on the Atmos Rewards Ascent and Summit consumer products and carried forward on the Business (per the Bank of America apply page and TPG review)
• $100 off an annual Alaska Lounge+ Membership purchased with the card (the membership ordinarily costs $795 per year and includes access to all Alaska Lounges plus reciprocal access at participating partner lounges including American Airlines Admirals Clubs; the $100 statement credit makes the membership effectively cheaper but does NOT replace it) (per the Bank of America apply page)
• Bank of America Preferred Rewards for Business relationship bonus: up to a 75% rewards bonus on all base points earned, with tier bonuses of 25% / 50% / 75% at Gold / Platinum / Platinum Honors business banking tiers based on qualifying combined Bank of America business banking and Merrill investment balances (per the Bank of America apply page)
• No foreign transaction fees on purchases made outside the United States or in a foreign currency, making the card usable abroad without the typical 3% surcharge (per the Bank of America apply page)
• Visa Signature Business network benefits: auto rental collision damage waiver, travel and emergency assistance services, lost luggage reimbursement, and trip cancellation / trip interruption insurance per the Visa Signature Business Guide to Benefits referenced on the Bank of America apply page
• Atmos Rewards points redemption flexibility: book award flights on Alaska Airlines, Hawaiian Airlines, and the full Oneworld partner network (American Airlines, British Airways, Cathay Pacific, Fiji Airways, Finnair, Iberia, Japan Airlines, Malaysia Airlines, Qantas, Qatar Airways, Royal Air Maroc, Royal Jordanian, S7 Airlines, SriLankan Airlines), with TPG valuing Atmos Rewards points at approximately 1.6 cents each post merger and highlighting Cathay Pacific or Japan Airlines business class from the U.S. to Asia from 75,000 points one-way
• 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 efficient for short West Coast hops in addition to high-value Oneworld premium-cabin redemptions (per TPG Atmos Rewards overview)
• Atmos Rewards points earned on the Business card pool with personal Atmos Rewards accounts when transferred to the same Atmos Rewards loyalty number, and points have no expiration as long as the account remains open and in good standing (per Atmos Rewards program rules carried over from the legacy Alaska Mileage Plan)
• Free access to business credit scores via Business Advantage 360 (Bank of America's business online banking platform); employee cards spend can be tracked separately for expense management within the same online banking dashboard (per the Bank of America apply page)
• Atmos Rewards is itself a top-tier U.S. miles currency, prized for hard-to-replicate award sweet spots; the Business card earns Atmos Rewards points directly (no separate transferable currency is involved), so points are immediately usable for Oneworld and Atmos partner award redemptions without conversion (per TPG Atmos Rewards program guide)
• Bank of America 2/3/4 application rule for personal cards does NOT apply to small business cards in the same way; business cards from Bank of America do not report to the personal credit bureaus and generally do not count against the personal 2/3/4 limit, though Bank of America still evaluates total relationship exposure (per OMAAT BoA business card guidance)
• Lounge access (other than $100 off Lounge+ membership): Not offered as a complimentary cardholder benefit on the Atmos Rewards Visa Signature Business; full Alaska Lounge access requires Lounge+ membership separately purchased or eligible Atmos Rewards elite status (per the Bank of America apply page)
• Complimentary Priority Pass airport lounge membership: Not offered as an advertised cardholder benefit on the Atmos Rewards Visa Signature Business; Bank of America has not enrolled this card in Priority Pass per the BoA apply page and TPG review
• Atmos Rewards or Oneworld elite status: Not offered as a complimentary benefit (the card does not grant Atmos Rewards Premier, MVP Gold, or higher tiers; status must be earned via flying or via spend on the personal-side Atmos Rewards Ascent and Summit Visa products, not on the Business) (per the Bank of America apply page)
• Global Entry / TSA PreCheck application fee credit: Not offered on the Atmos Rewards Visa Signature Business (the $100 trusted traveler credit is reserved for the Atmos Rewards Summit Visa Infinite consumer product, not the Business card) (per the Bank of America apply page)
• Broad airline fee credit (incidentals): Not offered (unlike the Amex Business Platinum, the Business card does not provide a flat annual airline incidental statement credit or general travel credit beyond the cobrand-specific benefits like free checked bag, 20% in-flight credit, and Companion Fare) (per the Bank of America apply page)
• Cell phone protection: Not offered as an advertised Atmos Rewards Visa Signature Business benefit; Bank of America offers cell phone protection on the Business Advantage Customized Cash Rewards Mastercard but has not extended it to the Atmos cobrand line (per the Bank of America apply page and TPG review)
• Purchase protection and extended warranty: Not advertised as Atmos Rewards Visa Signature Business cardholder benefits beyond the issuer-optional Visa Signature Business network baseline; the BoA apply page and TPG review do not surface purchase protection or extended warranty as marketed benefits on this card