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01 · overview

Atmos Rewards Ascent

50,000 points welcome · 3x on airlines · $95/yr

Atmos Rewards Ascent
Annual fee
$95
Per year
Sign up bonus
50K pts
After $1,500 in 3 mo
Credits
—
1 credit · 3 perks
Median FICO
729
Approved
Median income
$65,000
Approved
Our take

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.

Welcome bonus
50K pts
After $1,500 in 3 mo
Welcome offer also includes a $99 Companion Fare (plus taxes and fees from $23).
Apply now
02 · earn & credits

Earn rates & credits

Earn rates
CategoryRate
Airlines
Alaska and Hawaiian Airlines purchases
3x
Gas
2x
EV Charging
2x
Streaming
2x
Transit
2x
Everything Else
1x
Credits & rebates
BenefitValue
Inflight Purchase Rebate
20% back on Alaska Airlines and Hawaiian Airlines inflight purchases
20%
Perks & protections
Companion Fare
$99 Companion Fare (plus taxes and fees from $23) each account anniversary after spending $6,000 or more in purchases within the prior anniversary year
Free Checked Bag and Preferred Boarding
First checked bag free and preferred boarding for the cardmember and up to 6 guests on the same reservation
Alaska Lounge+ Membership Discount
$100 off an annual Alaska Lounge+ membership purchased with the card
03 · card details

Card details

Regular APR
19.49%–27.49% variable
Foreign transaction fee
None
04 · approval odds

Approval odds

n = 2 · 2 approved
Limited data — n = 2. Charts appear once we have 5+ data points. Submit yours to help. Log in to submit →
05 · product changes

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.

Based on 3 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.

06 · news

In the news