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Card Economics
- Annual Fee
- $395
- Ongoing Annual Value
- $233
- First-Year Value Estimate
- $991
- Net Value
- −$162
Card type: PersonalForeign transaction fee: NoneCurrency: Alaska Atmos Rewards
Sign-up Bonus
Limited-time online offer - Get 80K bonus points and a 25K-point Global Companion Award with this offer. To qualify, spend $4K or more on purchases within the first 90 days of opening your account.
Am I eligible?Earning Structure
3XAlaska and Hawaiian Airlines purchases4.5%
3XAll foreign purchases (including USD transactions processed outside the US)4.5%
3XDining4.5%
1XAll other purchases1.5%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
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
Worth it for me?Credits & Perks (2)
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
- Instant Travel Delay: $50 (Per Use)
For Alaska delays/cancellations of 2+ hours. No claims required - credit applied automatically.
Lounge Access (1)
- Alaska Lounge Passes (8 visits/year) — paid guests allowed
Elite Status (2)
- Alaska Atmos Rewards: 10K Atmos Rewards status points each cardmember year
- Alaska Atmos Rewards: Earn 1 status point for every $2 dollars spent
Protections (10)
- Travel Accident Insurance — up to $1,000,000 — Provides up to $1,000,000 in accidental death or dismemberment insurance while traveling on a common carrier when the entire fare is charged to your card.
- Trip Cancellation/Interruption — up to $2,500 — Up to $2,500 per trip for nonrefundable passenger fares. Pay for the entire fare with your card to be eligible for this benefit.
- Trip Delay — up to $500 — Up to $500 for trips delayed more than 6 hours. Pay for a portion of the common carrier fare with your card to be eligible for this benefit.
- Baggage Delay — up to $500 — Up to $100 per day for up to 5 days when bags delayed 6+ hours. Pay for any portion of your trip with your card to be eligible for this benefit.
- Lost Luggage — up to $3,000 — Coverage for luggage and contents lost/stolen by common carrier up to $3,000 per person per trip. $2K per bag for NY residents. Pay for a portion of the covered trip with your card to be eligible for this benefit.
- Emergency Evacuation — up to $100,000 — Coverage for emergency medical evacuation costs up to $100,000. Pay for a portion of your trip with your card to be eligible for this benefit.
- Purchase Protection — 90 days coverage for stolen or damaged eligible items
- Extended Warranty — Extends manufacturer's warranty up to 1 additional year
- Return Protection — up to $300 — Up to $300 per item, $1,000 annually when retailer won't accept return
- Auto Rental Collision Damage Waiver (primary) — Primary coverage for collision damage and theft up to $75K. Pay for the full cost on your card to be eligible for this benefit. Coverage is not available in Israel, Jamaica, the Republic of Ireland, Northern Ireland.
Other 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
- Preferred boarding on Alaska and Hawaiian Airlines
- Annual 25K point Global Companion Award worth up to 25,000 points off a published award ticket when booking a companion (works across Alaska, Hawaiian, OneWorld, and partner airlines in any cabin)
- Annual 100K point Global Companion Award with $60K spend, worth up to 100,000 points off a published award ticket when booking a companion
- Atmos Rewards upgrade priority
- 8 Alaska inflight Wi-Fi passes annually (2 per quarter, cardholder must be traveling)
- Up to 2 complimentary signature cocktails per Alaska Lounge visit (through 2026)
- Partner award booking fee waiver ($12.50 per segment)
- Free Atmos Rewards points sharing with up to 10 accounts
- Same-day flight change fee waiver on Alaska flights
- 10% bonus on earned points with eligible Bank of America deposit account
- 20% rebate on in-flight food, beverage, and Wi-Fi purchases
