Atmos Rewards Business

The pitch here is a business card that keeps airline spending off your personal credit file: activity does not report to the personal bureaus, which helps if you are managing utilization or 5-24 style limits. The welcome offer is 70,000 points plus a $99 Companion Fare after $4,000 in purchases within 90 days, though note it briefly ran at 80,000 in May before dropping back to 70,000 in July, so it is worth waiting for the higher offer to return if you are not in a hurry. Ongoing earning is narrow: the 3 points per dollar rate applies only to Alaska and Hawaiian Airlines purchases, with 2 points per dollar on gas, EV charging, transit and shipping and just 1 point everywhere else. Against the $95 annual fee, the recurring $99 Companion Fare requires $6,000 of spend each year to trigger, so the math only works if you actually fly Alaska and put real volume on the card. Free checked bag, priority boarding and 20% back on inflight purchases round it out, and there are no foreign transaction fees.