Bank of America · Visa
Atmos Rewards Ascent Visa Signature®
Alaska & Hawaiian Airlines flyers — West Coast, Hawaii, and Pacific routes
$95 annual fee
Why people consider it
- 3x on Alaska Airlines.
- 2x on Gas.
- Points transfer to 3 airline and hotel partners.
Elevated welcome offer
Above the recent 50,000 points offer (about $900)
Current: 70,000 points
Recent typical offer: 60,000 points
Current offer is 17% higher than recent typical offers.
Welcome offer: 70,000 points≈ $1,260 at our typical valuation
Requirement: Spend $2,500 in 3 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Details: 70,000 bonus points + a $99 Companion Fare (taxes from $23) after $2,500 spend in 90 days — Bank of America calls it a limited-time online offer with no published end date. Verified on bankofamerica.com 2026-11-04; affiliate channels show an 'up to 80,000' two-tier variant, and the issuer-direct figure is used.
Recommended credit score: 700+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Is this card worth it?
Ongoing value
$981/year
for the sample household ($4,800/month) · points at typical value
First-year value
$2,241 first year
Includes: +$1,260 welcome offer (70,000 points at our typical value)
$1,260 is one-time. $981/year is ongoing.
To earn the bonus: spend $2,500 in 3 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- $95, charged in full — credits count only if you use them
- Major trade-offs:
- $95 annual fee — unchanged by the Atmos rebrand Companion fare requires $6,000 in annual spend to unlock
- Against a no-fee alternative:
- We'd choose the $0-fee option. Citi Double Cash nets as much as Atmos Rewards Ascent on this spending, with no fee to earn back. (The sample household; run your own numbers.)
Detailed research
Full reward table and category caps
Alaska & Hawaiian Airlines (Atmos Rewards) purchases
Gas stations & EV charging
Local transit, including rideshare
Streaming services
Cable & satellite TV only — not other utilities
Point value: ~1.8¢ each
Optional benefits and credits
Perks (not counted in our math)
Each anniversary after $6,000 annual spend — companion flies from $122 ($99 + taxes and fees from $23) on Alaska/Hawaiian flights in North America
Primary cardholder + up to 6 companions on the same reservation
10% bonus on all points earned from purchases — requires an eligible Bank of America/Merrill account
Priority boarding for you and up to six guests on the same reservation
20% back on Alaska and Hawaiian inflight purchases as a statement credit
$100 off an annual Alaska Lounge+ membership purchased with the card
Redemption and transfer information
Points transfer to 3 airline and hotel partners — often where the highest redemption values live.
Approval and bonus eligibility caveats
Recommended credit score: 700+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Bank of America's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + Annual $99 companion fare (after $6k spend) — bring someone from ~$122
- + Free first checked bag for up to 6 companions — strong for families
- + Atmos/Alaska miles transfer to 32+ airline partners including Emirates, Cathay Pacific
- + Low $95 annual fee
Cons
- - $95 annual fee — unchanged by the Atmos rebrand
- - Companion fare requires $6,000 in annual spend to unlock
- - No Global Entry credit
- - No lounge access
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.