Which card earns more rewards, the Atmos Rewards Ascent Visa Signature Card or Bank of America Unlimited Cash Rewards Credit Card?

The Atmos Rewards Ascent Visa Signature Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Atmos Rewards Ascent Visa Signature Card or the Bank of America Unlimited Cash Rewards Credit Card?

Choose the Bank of America Unlimited Cash Rewards Credit Card if you want lower fees and solid rewards. Pick the Atmos Rewards Ascent Visa Signature Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Which card earns more rewards, the Atmos Rewards Ascent Visa Signature Card or Bank of America Unlimited Cash Rewards Credit Card?

The Atmos Rewards Ascent Visa Signature Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Atmos Rewards Ascent Visa Signature Card or the Bank of America Unlimited Cash Rewards Credit Card?

Choose the Bank of America Unlimited Cash Rewards Credit Card if you want lower fees and solid rewards. Pick the Atmos Rewards Ascent Visa Signature Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Which card earns more rewards, the Atmos Rewards Ascent Visa Signature Card or Bank of America Unlimited Cash Rewards Credit Card?

The Atmos Rewards Ascent Visa Signature Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Atmos Rewards Ascent Visa Signature Card or the Bank of America Unlimited Cash Rewards Credit Card?

Choose the Bank of America Unlimited Cash Rewards Credit Card if you want lower fees and solid rewards. Pick the Atmos Rewards Ascent Visa Signature Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.

Atmos Rewards Ascent Visa Signature Card vs Bank of America Unlimited Cash Rewards Credit Card

The Bank of America Unlimited Cash Rewards Credit Card ($0/yr) is better for everyday value, while the Atmos Rewards Ascent Visa Signature Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Atmos Rewards Ascent Visa Signature Card

Bank of America

Bank of America Unlimited Cash Rewards Credit Card

Bank of America

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

70,000 Airline

—

Earn Rates

Category	Atmos Rewards Ascent Visa Signature Card	Bank of America Unlimited Cash Rewards Credit Card
Alaska Airlines	3X

Category-by-Category Winner

The Atmos Rewards Ascent Visa Signature Card wins in 6 of 7 categories. The Bank of America Unlimited Cash Rewards Credit Card leads in 1.

Alaska Airlines

Atmos Rewards Ascent Visa Signature Card earns 3X vs 1X

Hawaiian Airlines

Atmos Rewards Ascent Visa Signature Card earns 3X vs 1X

Gas Stations

Atmos Rewards Ascent Visa Signature Card earns 2X vs 1X

Streaming

Atmos Rewards Ascent Visa Signature Card earns 2X vs 1X

Cable Tv

Atmos Rewards Ascent Visa Signature Card earns 2X vs 1X

Transit

Atmos Rewards Ascent Visa Signature Card earns 2X vs 1X

All Purchases

Bank of America Unlimited Cash Rewards Credit Card earns 1.5X vs 1X

Is the Fee Difference Worth It?

The Atmos Rewards Ascent Visa Signature Card costs $95/yr — that's $95 more than the Bank of America Unlimited Cash Rewards Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.

The Bottom Line

The Bank of America Unlimited Cash Rewards Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Choose the Bank of America Unlimited Cash Rewards Credit Card if you want solid rewards with a lower cost of entry. Choose the Atmos Rewards Ascent Visa Signature Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Atmos Rewards Ascent Visa Signature Card worth the higher annual fee?: The Atmos Rewards Ascent Visa Signature Card costs $95/yr vs $0/yr for the Bank of America Unlimited Cash Rewards Credit Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Atmos Rewards Ascent Visa Signature Card or Bank of America Unlimited Cash Rewards Credit Card?: The Atmos Rewards Ascent Visa Signature Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Atmos Rewards Ascent Visa Signature Card or the Bank of America Unlimited Cash Rewards Credit Card?: Choose the Bank of America Unlimited Cash Rewards Credit Card if you want lower fees and solid rewards. Pick the Atmos Rewards Ascent Visa Signature Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

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Explore More

Atmos Rewards Ascent Visa Signature Card — Full Review All Bank of America Cards

Bank of America Unlimited Cash Rewards Credit Card — Full Review All Bank of America Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Atmos Rewards Ascent Visa Signature Card vs Bank of America Unlimited Cash Rewards Credit Card

Atmos Rewards Ascent Visa Signature Card

Bank of America

Bank of America Unlimited Cash Rewards Credit Card

Bank of America

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

70,000 Airline

—

Earn Rates

Category	Atmos Rewards Ascent Visa Signature Card	Bank of America Unlimited Cash Rewards Credit Card
Alaska Airlines	3X

Category-by-Category Winner

The Atmos Rewards Ascent Visa Signature Card wins in 6 of 7 categories. The Bank of America Unlimited Cash Rewards Credit Card leads in 1.

Alaska Airlines

Atmos Rewards Ascent Visa Signature Card earns 3X vs 1X

Hawaiian Airlines

Atmos Rewards Ascent Visa Signature Card earns 3X vs 1X

Gas Stations

Atmos Rewards Ascent Visa Signature Card earns 2X vs 1X

Streaming

Atmos Rewards Ascent Visa Signature Card earns 2X vs 1X

Cable Tv

Atmos Rewards Ascent Visa Signature Card earns 2X vs 1X

Transit

Atmos Rewards Ascent Visa Signature Card earns 2X vs 1X

All Purchases

Bank of America Unlimited Cash Rewards Credit Card earns 1.5X vs 1X

Is the Fee Difference Worth It?

The Bottom Line

The Bank of America Unlimited Cash Rewards Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Frequently Asked Questions

Is the Atmos Rewards Ascent Visa Signature Card worth the higher annual fee?: The Atmos Rewards Ascent Visa Signature Card costs $95/yr vs $0/yr for the Bank of America Unlimited Cash Rewards Credit Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Atmos Rewards Ascent Visa Signature Card or Bank of America Unlimited Cash Rewards Credit Card?: The Atmos Rewards Ascent Visa Signature Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Atmos Rewards Ascent Visa Signature Card or the Bank of America Unlimited Cash Rewards Credit Card?: Choose the Bank of America Unlimited Cash Rewards Credit Card if you want lower fees and solid rewards. Pick the Atmos Rewards Ascent Visa Signature Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Explore More

Atmos Rewards Ascent Visa Signature Card — Full Review All Bank of America Cards

Bank of America Unlimited Cash Rewards Credit Card — Full Review All Bank of America Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards

Atmos Rewards Ascent Visa Signature Card vs Bank of America Unlimited Cash Rewards Credit Card

Atmos Rewards Ascent Visa Signature Card

Bank of America

Bank of America Unlimited Cash Rewards Credit Card

Bank of America

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

70,000 Airline

—

Earn Rates

Category	Atmos Rewards Ascent Visa Signature Card	Bank of America Unlimited Cash Rewards Credit Card
Alaska Airlines	3X

Category-by-Category Winner

The Atmos Rewards Ascent Visa Signature Card wins in 6 of 7 categories. The Bank of America Unlimited Cash Rewards Credit Card leads in 1.

Alaska Airlines

Atmos Rewards Ascent Visa Signature Card earns 3X vs 1X

Hawaiian Airlines

Atmos Rewards Ascent Visa Signature Card earns 3X vs 1X

Gas Stations

Atmos Rewards Ascent Visa Signature Card earns 2X vs 1X

Streaming

Atmos Rewards Ascent Visa Signature Card earns 2X vs 1X

Cable Tv

Atmos Rewards Ascent Visa Signature Card earns 2X vs 1X

Transit

Atmos Rewards Ascent Visa Signature Card earns 2X vs 1X

All Purchases

Bank of America Unlimited Cash Rewards Credit Card earns 1.5X vs 1X

Is the Fee Difference Worth It?

The Bottom Line

The Bank of America Unlimited Cash Rewards Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Frequently Asked Questions

Is the Atmos Rewards Ascent Visa Signature Card worth the higher annual fee?: The Atmos Rewards Ascent Visa Signature Card costs $95/yr vs $0/yr for the Bank of America Unlimited Cash Rewards Credit Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Atmos Rewards Ascent Visa Signature Card or Bank of America Unlimited Cash Rewards Credit Card?: The Atmos Rewards Ascent Visa Signature Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Atmos Rewards Ascent Visa Signature Card or the Bank of America Unlimited Cash Rewards Credit Card?: Choose the Bank of America Unlimited Cash Rewards Credit Card if you want lower fees and solid rewards. Pick the Atmos Rewards Ascent Visa Signature Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Explore More

Atmos Rewards Ascent Visa Signature Card — Full Review All Bank of America Cards

Bank of America Unlimited Cash Rewards Credit Card — Full Review All Bank of America Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards

Benefits & Features

Network

VISA

Key Benefits

✓Free checked bags

None

Pros & Cons

Pros

+70,000 point welcome bonus + $99 Companion Fare
+$99 Companion Fare after $6,000 annual spend
+Free first checked bag for cardholder + 6 guests
+3X points on Alaska and Hawaiian purchases
+2X points on gas, streaming, cable, and transit

+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required

Cons

−$95 annual fee
−Companion fare requires $6,000 annual spend
−No lounge access included
−1X earning on non-bonus categories
−Most valuable for Alaska/Hawaiian flyers only

−3% foreign transaction fee
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas
−No premium perks or travel benefits

The Atmos Rewards Ascent Visa Signature Card offers free checked bags. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $95 difference is small enough that the Atmos Rewards Ascent Visa Signature Card's extra perks make it worth considering for most cardholders.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Bank of America Unlimited Cash Rewards Credit Card means losing:

-Free checked bags

Which Card Is Right for You?

Get the Bank of America Unlimited Cash Rewards Credit Card if you:

+Want strong rewards without a large annual fee commitment

Benefits & Features

Network

VISA

Key Benefits

✓Free checked bags

None

Pros & Cons

Pros

+70,000 point welcome bonus + $99 Companion Fare
+$99 Companion Fare after $6,000 annual spend
+Free first checked bag for cardholder + 6 guests
+3X points on Alaska and Hawaiian purchases
+2X points on gas, streaming, cable, and transit

+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required

Cons

−$95 annual fee
−Companion fare requires $6,000 annual spend
−No lounge access included
−1X earning on non-bonus categories
−Most valuable for Alaska/Hawaiian flyers only

−3% foreign transaction fee
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas
−No premium perks or travel benefits

The Atmos Rewards Ascent Visa Signature Card offers free checked bags. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $95 difference is small enough that the Atmos Rewards Ascent Visa Signature Card's extra perks make it worth considering for most cardholders.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Bank of America Unlimited Cash Rewards Credit Card means losing:

-Free checked bags

Which Card Is Right for You?

Get the Bank of America Unlimited Cash Rewards Credit Card if you:

+Want strong rewards without a large annual fee commitment

Benefits & Features

Network

VISA

Key Benefits

✓Free checked bags

None

Pros & Cons

Pros

+70,000 point welcome bonus + $99 Companion Fare
+$99 Companion Fare after $6,000 annual spend
+Free first checked bag for cardholder + 6 guests
+3X points on Alaska and Hawaiian purchases
+2X points on gas, streaming, cable, and transit

+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required

Cons

−$95 annual fee
−Companion fare requires $6,000 annual spend
−No lounge access included
−1X earning on non-bonus categories
−Most valuable for Alaska/Hawaiian flyers only

−3% foreign transaction fee
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas
−No premium perks or travel benefits

The Atmos Rewards Ascent Visa Signature Card offers free checked bags. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $95 difference is small enough that the Atmos Rewards Ascent Visa Signature Card's extra perks make it worth considering for most cardholders.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Bank of America Unlimited Cash Rewards Credit Card means losing:

-Free checked bags

Which Card Is Right for You?

Get the Bank of America Unlimited Cash Rewards Credit Card if you:

+Want strong rewards without a large annual fee commitment