
The Companion Fare is the reason to carry this one: a $99 fare plus taxes and fees from $23 each anniversary once you have spent $6,000 in the prior year, which is a straightforward way to clear the $95 annual fee if you fly Alaska or Hawaiian with someone. Bank of America recently raised the signup bonus from 50,000 points to 70,000 after $2,500 in three months, and it carries a Companion Fare of its own, so the opening offer is stronger than it was. Day to day the 3 points per dollar applies only to Alaska and Hawaiian Airlines purchases, and the 2 points per dollar categories of gas, EV charging, streaming and transit are useful but narrow, with everything else at 1 point per dollar. Free first checked bag and preferred boarding for you and up to six guests on the same reservation is the perk that quietly does the most work for families. It lands at #11 on our Best Travel Credit Cards list, and the reason it is not higher is simple: outside the Alaska and Hawaiian network there is not much here.
Earn rates & credits
| Category | Rate |
|---|---|
Airlines Alaska and Hawaiian Airlines purchases | 3x |
Gas | 2x |
EV Charging | 2x |
Streaming | 2x |
Transit | 2x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Inflight Purchase Rebate 20% back on Alaska Airlines and Hawaiian Airlines inflight purchases | 20% |
Card details
Regular APR | 19.49%–27.49% variable |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Atmos Rewards Ascent
Atmos Rewards AscentBased on 3 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.