Alaska Atmos Rewards Ascent Visa Signature
Bank of America$95 a yearVisa SignatureNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
80,000points
+ $99 Companion Fare
- 60,000 after $3,000 in the first 90 days
- 20,000 more after $5,000 total in the first 90 days
2/3/4 Rule, 3/12 Rule and 2 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus80,000 points at 1.5¢ + $99 Companion Fare at an estimated $128 | $1,328 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$35 |
| Annual fee | −$95 |
| Meeting the $5,000 spendearns 1.5% here vs 2% on Double Cash | −$25 |
| First year | $1,243 |
| Each year after | +$269 |
Not counted in the first year: anniversary certificates, other benefits and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Gas Stations | 3% |
| 2X | Select streaming services | 3% |
| 2X | Transit | 3% |
| 3X | Alaska and Hawaiian Airlines purchases | 4.5% |
| 1X | Everything else | 1.5% |
+ 3 more rates
| Rate | Category | Return |
|---|---|---|
| 2X | Cable | 3% |
| 2X | EV charging | 3% |
| 2X | Rideshare | 3% |
Noteworthy perks
- Free first checked bag for eligible primary cardholder, authorized user, or joint cardholder plus up to 6 companions on Alaska and Hawaiian flights; airfare must be paid by the primary cardholder with the Atmos card and the Atmos number must be on the reservation
- Alaska Atmos Rewards companion certificateArrives on your card anniversary after $6,000 in spend, after the first year
Personal card · Earns Alaska Atmos Rewards
Where this card ranks
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Elite status (1)
- Alaska Atmos Rewards: Earn 1 status point per $3 spent (no annual cap)
Protections (8)
- Trip Cancellation/Interruption, up to $2,500, Up to $2,500 per trip for nonrefundable passenger fares
- Trip Delay, up to $500, Up to $500 for trips delayed more than 12 hours
- Baggage Delay, Up to $100 per day for up to 5 days when bags delayed 6+ hours
- Lost Luggage, Coverage for luggage and contents lost/stolen by common carrier
- Emergency Evacuation, up to $15,000, Coverage for emergency medical evacuation costs up to $15,000. Repatriation of remains coverage up to $1,000.
- Purchase Protection, 90 days coverage for stolen or damaged eligible items
- Extended Warranty, Extends manufacturer's warranty up to 1 additional year
- Auto Rental Collision Damage Waiver (secondary), Secondary coverage for collision damage and theft
Other Perks
- $99 Companion Fare ($99 fare + taxes/fees from $23) every account anniversary after $6K+ spend in prior year - valid for economy Alaska and Hawaiian flights in North America
- Free first checked bag for eligible primary cardholder, authorized user, or joint cardholder plus up to 6 companions on Alaska and Hawaiian flights; airfare must be paid by the primary cardholder with the Atmos card and the Atmos number must be on the reservation
- Priority boarding on Alaska and Hawaiian Airlines
- $100 off annual Alaska Lounge+ membership ($795/year) when purchased with the card
- 20% back as statement credit on Alaska and Hawaiian Airlines inflight purchases (food, beverages, Wi-Fi)
The Alaska Atmos Rewards family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from Get 75,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $3,000 or more on purchases within the first 90 days of opening your account. to Limited-time online offer: Earn up to 80,000 bonus points: get 60,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $3,000 or more on purchases within the first 90 days of opening your account, plus an additional 20,000 bonus points after spending a total of $5,000 or more on purchases within the same 90-day period.Oct 21, 2026
- changed from null to Points: 60000; Cumulative spend: 3000; Window days: 90; Points: 20000; Cumulative spend: 5000; Window days: 90Oct 21, 2026
- changed from Get 50,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $1,500 or more on purchases within the first 90 days of opening your account. to Get 75,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $3,000 or more on purchases within the first 90 days of opening your account.Oct 10, 2026
- changed from 1500 to 3000Oct 10, 2026
- changed from 75K bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $300 or more on purchases within the first 90 days of opening your account. to Get 50,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $1,500 or more on purchases within the first 90 days of opening your account.Oct 9, 2026
- changed from 300 to 1500Oct 9, 2026
- changed from null to Alaska AscentOct 8, 2026
- changed from Limited-time online offer - Get 50K bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $1.5K or more on purchases within the first 90 days of opening your account. to 75K bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $300 or more on purchases within the first 90 days of opening your account.Sep 18, 2026
- changed from 1500 to 300Sep 18, 2026
- changed from Limited-time online offer - Get 70K bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $2.5K or more on purchases within the first 90 days of opening your account. to Limited-time online offer - Get 50K bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $1.5K or more on purchases within the first 90 days of opening your account.Sep 17, 2026
- changed from 2500 to 1500Sep 17, 2026
- changed from Limited-time online offer - Get 7K bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $2.5K or more on purchases within the first 90 days of opening your account." to Limited-time online offer - Get 70K bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $2.5K or more on purchases within the first 90 days of opening your account.Aug 26, 2026
- changed from 70K points + Companion Fare ($99 fare + taxes) after $2.5K spend in the first 90 days to Limited-time online offer - Get 7K bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $2.5K or more on purchases within the first 90 days of opening your account."Aug 15, 2026
- changed from null to 2500Aug 13, 2026
- changed from null to 90Aug 13, 2026
- changed from 85K points + Companion Fare ($99 fare + taxes) after $4.5K spend in the first 120 days to 70K points + Companion Fare ($99 fare + taxes) after $2.5K spend in the first 90 daysAug 13, 2026