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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.
$95
Annual Fee
70,000
Atmos Rewards points · Welcome Bonus
3X
Top Rate
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
70,000
Atmos Rewards points
Spend $3,000 in the first 90 months
Earn 70,000 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. Points valued at $1,015-$1,260 based on typical redemption rates.
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Alaska Airlines | 3X | Core | direct | None | |
| Hawaiian Airlines | 3X | Core | direct | None | |
| Gas Stations | 2X | Core | Any | None | |
| Streaming | 2X | Core | Any | None | |
| Cable Tv | 2X | Core | Any | None | |
| Transit | 2X | Core | Any | None | |
| All Other | 1X | Base | Any | None |
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
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
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
Program & Transfers
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.
Reviews & Analysis
Details & Terms
| Purchase APR | 19.49%–27.49% (Variable) |
| Foreign Transaction Fee | $0 |
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.
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.
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.
Media & Resources
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.
$95
Annual Fee
70,000
Atmos Rewards points · Welcome Bonus
3X
Top Rate
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
70,000
Atmos Rewards points
Spend $3,000 in the first 90 months
Earn 70,000 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. Points valued at $1,015-$1,260 based on typical redemption rates.
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Alaska Airlines | 3X | Core | direct | None | |
| Hawaiian Airlines | 3X | Core | direct | None | |
| Gas Stations | 2X | Core | Any | None | |
| Streaming | 2X | Core | Any | None | |
| Cable Tv | 2X | Core | Any | None | |
| Transit | 2X | Core | Any | None | |
| All Other | 1X | Base | Any | None |
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
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
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
Program & Transfers
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.
Reviews & Analysis
Details & Terms
| Purchase APR | 19.49%–27.49% (Variable) |
| Foreign Transaction Fee | $0 |
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.
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.
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.
Media & Resources
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.
$95
Annual Fee
70,000
Atmos Rewards points · Welcome Bonus
3X
Top Rate
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
70,000
Atmos Rewards points
Spend $3,000 in the first 90 months
Earn 70,000 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. Points valued at $1,015-$1,260 based on typical redemption rates.
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Alaska Airlines | 3X | Core | direct | None | |
| Hawaiian Airlines | 3X | Core | direct | None | |
| Gas Stations | 2X | Core | Any | None | |
| Streaming | 2X | Core | Any | None | |
| Cable Tv | 2X | Core | Any | None | |
| Transit | 2X | Core | Any | None | |
| All Other | 1X | Base | Any | None |
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
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
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
Program & Transfers
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.
Reviews & Analysis
Details & Terms
| Purchase APR | 19.49%–27.49% (Variable) |
| Foreign Transaction Fee | $0 |
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.
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.
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.
Media & Resources
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get Visa Signature protections including purchase protection, extended warranty, and travel assistance benefits
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
| Route / Property | Points | Book With | 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 |
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.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$95
Net Annual Value
-$90.20
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.
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.
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.
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.
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.
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.
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.
Credit Karma review highlighting the $95 annual fee as reasonable and easily covered by card benefits. Includes member reviews and ratings.
Bankrate review with 4.4/5 rating covering the card's value proposition for Alaska Airlines and Hawaiian Airlines loyalists.
AskSebby review covering key earning categories (3X on airlines, 2X on everyday essentials), top benefits, and practical value assessment.
Yahoo Finance review noting the rebranded card packs substantial value while staying affordable with a sub-$100 annual fee.
Alaska Airlines press release on Atmos Rewards winning TPG 2026 Awards for innovation and credit card excellence across the combined loyalty program.
WalletHub review and comparison tool for the Atmos Rewards Ascent card, with user reviews and credit score requirements for frequent flyers with good credit.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get Visa Signature protections including purchase protection, extended warranty, and travel assistance benefits
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
| Route / Property | Points | Book With | 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 |
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.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$95
Net Annual Value
-$90.20
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.
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.
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.
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.
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.
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.
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.
Credit Karma review highlighting the $95 annual fee as reasonable and easily covered by card benefits. Includes member reviews and ratings.
Bankrate review with 4.4/5 rating covering the card's value proposition for Alaska Airlines and Hawaiian Airlines loyalists.
AskSebby review covering key earning categories (3X on airlines, 2X on everyday essentials), top benefits, and practical value assessment.
Yahoo Finance review noting the rebranded card packs substantial value while staying affordable with a sub-$100 annual fee.
Alaska Airlines press release on Atmos Rewards winning TPG 2026 Awards for innovation and credit card excellence across the combined loyalty program.
WalletHub review and comparison tool for the Atmos Rewards Ascent card, with user reviews and credit score requirements for frequent flyers with good credit.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get Visa Signature protections including purchase protection, extended warranty, and travel assistance benefits
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
| Route / Property | Points | Book With | 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 |
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.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$95
Net Annual Value
-$90.20
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.
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.
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.
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.
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.
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.
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.
Credit Karma review highlighting the $95 annual fee as reasonable and easily covered by card benefits. Includes member reviews and ratings.
Bankrate review with 4.4/5 rating covering the card's value proposition for Alaska Airlines and Hawaiian Airlines loyalists.
AskSebby review covering key earning categories (3X on airlines, 2X on everyday essentials), top benefits, and practical value assessment.
Yahoo Finance review noting the rebranded card packs substantial value while staying affordable with a sub-$100 annual fee.
Alaska Airlines press release on Atmos Rewards winning TPG 2026 Awards for innovation and credit card excellence across the combined loyalty program.
WalletHub review and comparison tool for the Atmos Rewards Ascent card, with user reviews and credit score requirements for frequent flyers with good credit.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
