Atmos™ Rewards Visa Signature® Business Card
3x on Alaska Airlines—plus $99 annual companion fare
Earn 3 points on Alaska and Hawaiian Airlines purchases, plus 2 points on gas, shipping, and transit. Get $99 annual companion fare and up to $100 in lounge credits. Best for frequent Alaska travelers and business owners valuing built-in travel perks.
- Annual Fee
- $95
- Atmos Rewards points · Welcome Bonus
- 70,000
- Highest rate (conditional)
- Up to 3X (Alaska)
Terms checked against the issuer on October 10, 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
- Excellent
Welcome Offer
70,000
Atmos Rewards points
Spend $4,000 in the first 3 months
Earn 70,000 bonus points and a $99 Companion Fare (taxes and fees from $23) after spending $4,000 in the first 90 days. 70,000 points value roughly $1,260 at a 1.8 cpp valuation. The Companion Fare is valid for travel within North America on Alaska Airlines or Hawaiian Airlines and must be redeemed within 12 months.
Earning Rates
- 3X
Alaska
Earn 3 points per $1 spent on eligible purchases on eligible Alaska Airlines purchases
- 3X
Hawaiian
Earn 3 points per $1 spent on eligible purchases on eligible Hawaiian Airlines purchases
- 2X
Gas Stations
Earn 2 points per $1 spent on gas and EV charging station purchases.
- 2X
Electric Vehicle Charging
Earn 2 points per $1 spent on gas and EV charging station purchases. (EV charging row: same tier as gas, per the issuer's wording)
- 2X
Ridesharing
Earn 2 points per $1 spent on rideshare purchases.
- 2X
Shipping
Earn 2 points per $1 spent on shipping purchases.
- 2X
Transit
Earn 2 points per $1 spent on local transit purchases.
- 1X
All Other
Earning Scenarios
3x points on Alaska Airlines flights and purchases
Maximize earning when booking Alaska Airlines flights, upgrading seats, or purchasing from the airline directly. Combines with 10% bonus points if you have linked BofA business account (3.3x effective rate).
Spend $8,000/year on Alaska Airlines flights = 24,000 points. At 1.8 cpp, that's $432 in travel value, plus $99 companion fare benefit.
2x points on gas and EV charging
Build points faster on fuel for business vehicles or fleet charging. Includes traditional gas stations, EV charging networks (Tesla, Electrify America, ChargePoint), and roadside fuel stops.
Spend $400/month on business fuel ($4,800/year) = 9,600 points. Combined with 3x airlines, your total earning supports 4-5 domestic round-trips annually.
2x points on all shipping and logistics
Earn double points on FedEx, UPS, USPS, DHL, and specialized shipping services used for business operations or personal commerce. Perfect for e-commerce, dropshipping, and business-to-business shipments.
Spend $200/month on shipping ($2,400/year) = 4,800 points. Bundles with other 2x categories (gas, transit) to reach 5x points overall.
2x points on local transit and commute
Earn 2x on public transportation, parking, tolls, train tickets, and rideshare. Includes all local transit systems, Amtrak regional routes, and daily commute passes. Supports hybrid business/personal travel patterns.
Spend $150/month on transit ($1,800/year) = 3,600 points. Covers quarterly parking, monthly transit passes, and occasional rideshare for business meetings.
2x points on rideshare and car services
Earn double points on Uber, Lyft, Via, and premium car services. Includes business travel, airport runs, and personal ground transportation booked on business accounts.
Spend $300/quarter on rideshare ($1,200/year) = 2,400 points. Reduces effective cost of business transportation from $300 to $246 (at 1.8 cpp).
1x points on all other purchases
Earn baseline 1x points on office supplies, utilities, software subscriptions, meals, and everyday expenses not in bonus categories. No annual caps or category limits—earn unlimited points.
Spend $3,000/month on other business expenses ($36,000/year) = 36,000 points. With other categories, total annual earning reaches 50,000+ points.
Benefits & Perks
Travel Benefits
6 perksLounge Access
Elite Status
General Travel
Elite Status & Memberships
Fast track to top-tier perks
A faster path to status
Earn 1 status point for every $3 spent on purchases.
20% back onboard
Get 20% back when you use your card to pay for Wi-Fi, drinks and other extras on Alaska Airlines and Hawaiian Airlines.
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
4 sourcesThe Math: Is $95 Worth It?
First-year value includes $770.00 welcome bonus
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 |
Card Family
Atmos Rewards family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Bank Of America Atmos Ascent | mid | $95 | |
| Atmos Rewards Summit | premium | $395 |
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 videosNEW Alaska Atmos Credit Cards Are Here (Worth It?)
Alaska Airlines Business: My SECRET AA Miles Strategy
The Alaska Airlines Atmos Credit Card: The Most Powerful Airline Card Yet?
$0 vs $95 vs $395 — Which Atmos Alaska Card Is Actually Worth It?
The All New Atmos Rewards Credit Cards: Review 2025
My 2026 Credit Card Strategy To Get Thousands In Free Travel & International Business Class Flights
Atmos Rewards Business Card Review 2026 | Worth It or Leave It?
Third-Party Articles & Reviews
Atmos Rewards Business Card Review
The Points Guy's detailed review of the Atmos Rewards Business Card, evaluating earning potential, benefits, and value proposition for Alaska-focused business travelers. Values Atmos points at 1.45 cpp.
Bank of America Atmos Rewards Business Card Review
One Mile at a Time's in-depth review covering Alaska Airlines positioning, points valuation at 1.5 cpp, break-even spend analysis, and elite status acceleration strategy for business users.
Atmos Rewards Visa Signature Business Card Review
NerdWallet's comprehensive review with detailed comparison to competing Alaska Airlines cards, award eligibility analysis, and welcome offer evaluation. Includes spending scenario analysis valuing points at 1.2 cpp.
Atmos Rewards Visa Business Card Review
Upgraded Points' full card review examining benefit stack, priority pass eligibility, lounge access strategy, and valuation methodology specific to business cardholders.
Alaska Airlines Atmos Rewards Business Card Guide
AskSebby's comprehensive guide to Alaska Airlines Atmos Rewards program structure, redemption opportunities, transfer partners, and maximize-your-rewards strategy for the business card version.
Is an Alaska Airlines Credit Card Worth It?
NerdWallet's meta-analysis evaluating Alaska Airlines card value across personal and business versions, break-even spend thresholds, and best-fit user personas with specific scenarios.
Atmos Rewards Business Card Guide
Frequent Miler's dedicated card page with earning comparison, redemption strategy guide, and Alaska Airlines ecosystem overview for business owners maximizing Atmos rewards.
Atmos Rewards Business vs. Atmos Rewards Ascent Comparison
The Points Guy's direct comparison between the business and consumer Atmos cards, analyzing when to choose each, benefit differences, earning rate alignment, and annual fee value.
Atmos Rewards Earns Top Honors for Innovation
Alaska Airlines newsroom announcement highlighting Atmos Rewards card recognition from The Points Guy for innovation and product excellence in the business travel rewards space.
Alaska Airlines Business Credit Card Guide
10xTravel's card page covering business-specific benefits, earn rate optimization, and comparison of Bank of America's business card against competing Alaska Airlines products.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Alaska Airlines | — | Alaska Airlines |
| RewardsCC API | — | RewardsCC API |
| Bank of America | Bank of America |
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