Atmos Rewards Ascent Visa Signature Card
3X points on Alaska and Hawaiian flights plus a $99 Companion Fare
Earn 3X Atmos Rewards points on Alaska Airlines and Hawaiian Airlines purchases, 2X on gas, streaming, and transit, and 1X everywhere else for a $95 annual fee. Unlock a $99 Companion Fare after $6,000 annual spend, get free first checked bags for up to 7 travelers, preferred boarding, and 20% back on inflight purchases.
- Annual Fee
- $95
- Welcome Bonus
- Up to 80,000 Atmos Rewards points
- Highest rate (conditional)
- Up to 3X (Alaska)
Terms checked against the issuer on October 29, 2026
At a Glance
- Annual Fee
- $95
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- Alaska Airlines Atmos Rewards
- Point Valuation
- 1–1.3 cpp (mid: 1.1)
- Credit Required
- Good to Excellent
Welcome Offer
Up to 80,000 Atmos Rewards points
- 60,000 Atmos Rewards points after $3,000 in purchases in the first 90 days
- + 20,000 Atmos Rewards points after $5,000 in total purchases in the same 90 days
The total needs every stage above. Meet only the first and you earn 60,000 Atmos Rewards points.
Earn 60,000 bonus Atmos Rewards points and a $99 Companion Fare (plus taxes and fees from $23) after spending $3,000 on purchases within the first 90 days of opening your account, plus 20,000 more points at $5,000 in total purchases in the same 90 days. The first 60,000 points are valued at $870-$1,080 based on typical redemption rates.
Earning Rates
- 3X
Alaska
3X points on Alaska Airlines purchases
- 3X
Hawaiian
3X points on Hawaiian Airlines purchases
- 2X
Gas Stations
2X points on gas and EV charging stations
- 2X
Electric Vehicle Charging
2X points on gas and EV charging stations (EV charging row: same tier as gas, per the issuer's wording)
- 2X
Streaming
2X points on streaming services
- 2X
Cable Tv
2X points on cable TV
- 2X
Transit
2X points on local transit (including rideshare)
- 1X
All Other
1X point on all other purchases
Earning Scenarios
3X Points on Every Alaska and Hawaiian Purchase
Earn 3 Atmos Rewards points per dollar on all eligible Alaska Airlines and Hawaiian Airlines purchases, including flights, upgrades, and ancillaries.
Spend $3,000/year on Alaska flights = 9,000 points worth ~$130-$162 in flights
2X Points on Gas, Streaming, and Transit
Earn 2X points on eligible gas stations, EV charging, cable, streaming services, and local transit including rideshare purchases.
Spend $200/month on gas + streaming + transit = 4,800 points/year worth ~$70-$86
1X Points on Everything Else
Earn 1 Atmos Rewards point per dollar on all other eligible purchases, with no caps or expirations on points earned.
$2,000/month in other spending = 24,000 points/year worth ~$348-$432
Benefits & Perks
Travel Benefits
6 perksGeneral Travel
Lounge Access
Program & Transfers
Atmos Rewards
Atmos Rewards is the rewards program for this card. Transfer-partner details are currently unavailable.
Alaska and Hawaiian Airlines have some great sweet spots, but understanding their award charts is key. The 2026 "choose your own earning" flexibility and Bilt transfer partnership make this program increasingly competitive.
Program Ratings
Sweet Spots — Best Redemptions
| Route / Property | Points | Cabin/Type | Value / Region |
|---|---|---|---|
| US to Hawaii in Economy | 12,500 | economy | United States |
| US to Hawaii in First Class | 30,000 | first | United States |
| US to South Korea in Economy | 30,000 | economy | Asia |
| US to Europe in Business | 45,000 | business | Europe |
| US to South Korea in Business | 75,000 | business | Asia |
Reviews & Analysis
Third-Party Rankings & Ratings
6 sourcesHow It Compares
The $95/yr Atmos Ascent delivers 3X on Alaska and Hawaiian purchases, 2X on gas/streaming/transit, a $99 Companion Fare after $6,000 annual spend, and free checked bags for up to 7 travelers per reservation. Points transfer to Oneworld partners for premium cabin redemptions.
Pros and Cons
Pros
- +50,000 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
- +No foreign transaction fees
- +20% back on inflight purchases
- +$100 off Alaska Lounge+ membership
- +No blackout dates when redeeming points
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
Who It's Best For
Best For
- Alaska Airlines and Hawaiian Airlines loyalists
- West Coast travelers in Alaska/Hawaiian network
- Those who travel with companions frequently
- Families who can leverage free bags for up to 7 people
Not Ideal For
- Travelers outside Alaska/Hawaiian route network
- Those who can't reach $6,000 annual spend for companion fare
- Flyers seeking lounge access
The Math: Is $95 Worth It?
First-year value includes $660.00 welcome bonus (first stage)
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$95
Net Annual Value
-$95
Details & Terms
Payment Terms
| Purchase APR | 19.74%–27.74% (Variable) |
| Foreign Transaction Fee | $0 |
FAQs
What is the Alaska Airlines Mileage Plan called?
In August 2025, Alaska's loyalty program was renamed to Atmos Rewards, the joint program with Hawaiian Airlines after their 2024 merger. The combined program consolidates both carriers' loyalty initiatives under a single ecosystem.
What are Atmos Rewards?
Atmos Rewards is the combined loyalty program for Alaska and Hawaiian Airlines. Members earn points for flights and status points toward elite tiers. Points can be redeemed for award travel on Alaska, Hawaiian, oneworld partners, and participating hotel chains.
How do I get a free upgrade on Alaska Airlines?
Holding Atmos elite status is the best path to free upgrades on Alaska. All elite tiers (Silver, Gold, Platinum, Titanium) qualify for complimentary upgrades on Alaska, Hawaiian, and American Airlines, though higher tiers clear more frequently and in premium cabins.
Can you get into the Alaska Lounge with a First Class ticket?
Yes, but only with a paid or award First Class ticket on flights operated by Alaska or Hawaiian. At least one flight on your itinerary must be 2,000+ miles or travel to/through/from Alaska. Note that upgraded First Class tickets do not include lounge access. Summit cardholders receive 8 lounge day passes annually.
What is the 2026 "choose your own earning structure" option?
Starting spring 2026, Atmos members can choose between three earning methods (changeable once per year): distance traveled (1 point per mile), price paid (5 points per $1 spent), or segments flown (500 points per segment). This applies to both points and status earning, giving members flexibility based on their travel patterns.
What are the Atmos Rewards status tiers and requirements?
Four elite status tiers with qualification via status points: Silver/MVP (20,000), Gold/MVP Gold (40,000), Platinum/MVP Gold 75K (75,000-80,000), and Titanium/MVP Gold 100K (100,000-135,000). All elite members receive complimentary upgrades, lounge access, priority service, and bonus points on flights.
Media & Resources
Video Reviews
8 videosAtmos Rewards Ascent Visa Credit Card 1st Yr Review | Is It Worth Keeping?
NEW Alaska Atmos Credit Cards Are Here (Worth It?)
Atmos Rewards Ascent Card Review 2025 | Worth It or Leave It?
Atmos Rewards Ascent Credit Card Review (2026) — Worth It?
New Atmos Rewards CRUSHES Other Airline Credit Cards
The Alaska Airlines Card is REALLY GOOD! | 2025 Review
Honest Review of Alaska Airlines Visa Signature Credit Card for Families in 2025
Third-Party Articles & Reviews
Alaska & Hawaiian Atmos Rewards Ascent Card Review: Big Bonus, Great Perks
Ben Schlappig's thorough review valuing points at 1.5 cents each. Covers Bank of America approval rules, relationship bonus, companion fare details, and comparison with Summit and Business cards.
Atmos Rewards Ascent Visa Signature review: Valuable points and solid perks for Alaska and Hawaiian flyers
Comprehensive TPG review covering earn rates, companion fare, free checked bags, and comparison with Atmos Summit. Rates the card 4 stars and values points at 1.45 cents each.
Is the Atmos Ascent Card Worth Its Annual Fee?
In-depth NerdWallet analysis of when the card justifies its $95 fee, covering companion fare value, checked bag savings, inflight rebate math, and status point earning.
Atmos Rewards Ascent Visa Signature Credit Card Review
Credit Karma review highlighting the $95 annual fee as reasonable and easily covered by card benefits. Includes member reviews and ratings.
Atmos Rewards Ascent Visa Signature Credit Card Review
AskSebby review covering key earning categories (3X on airlines, 2X on everyday essentials), top benefits, and practical value assessment.
BoA Alaska Atmos Ascent Credit Card Review
US Credit Card Guide review noting the card is a rebrand of the old BoA Alaska card. Covers welcome offer attractiveness and spending reward rate analysis.
Atmos Rewards Ascent Bankrate Review
Bankrate review with 4.4/5 rating covering the card's value proposition for Alaska Airlines and Hawaiian Airlines loyalists.
Atmos Rewards Ascent Visa Signature Card Review
Yahoo Finance review noting the rebranded card packs substantial value while staying affordable with a sub-$100 annual fee.
Alaska Airlines Credit Card (Atmos Rewards Ascent)
WalletHub review and comparison tool for the Atmos Rewards Ascent card, with user reviews and credit score requirements for frequent flyers with good credit.
Atmos Rewards earns The Points Guy's top honors for innovation and credit card excellence
Alaska Airlines press release on Atmos Rewards winning TPG 2026 Awards for innovation and credit card excellence across the combined loyalty program.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Issuer Bofa | — | Issuer Bofa |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page | |
| Bank of America | Bank of America | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer |
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