The clearest reason to carry this card is 3x on Hawaiian Airlines and Alaska Airlines purchases, paired with 2x on gas, dining, and office supplies and a 50,000-mile bonus after $4,000 in three months, all for a $99 annual fee. That 3x is merchant-gated, though: it applies to those two airlines specifically, not to travel in general, and everything outside the bonus categories earns a flat 1x. The annual spend bonuses are built for heavy users, at 20,000 Atmos Rewards points for $50,000 in a calendar year and 40,000 for $100,000, so most small businesses will never reach them. The one-time 50% off companion discount on roundtrip main cabin travel is real first-year value, but it does not repeat. Worth the fee if you fly Hawaiian or Alaska often enough to use the 3x and the companion discount; otherwise a flat-rate business card will earn more on ordinary spend.
Earn rates & credits
| Category | Rate |
|---|---|
Airlines Hawaiian Airlines and Alaska Airlines purchases | 3x |
Gas | 2x |
Dining | 2x |
Office Supply Stores | 2x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Annual Spend Bonus (20k) 20,000 bonus Atmos Rewards points after spending $50,000 in purchases each calendar year | 20,000 points /yr |
Annual Spend Bonus (40k) Additional 40,000 bonus Atmos Rewards points after spending $100,000 or more in purchases each calendar year (in lieu of the 20k tier) | 40,000 points /yr |
One-Time 50% Off Companion Discount One-time 50% off companion discount for roundtrip main cabin travel on eligible flights | 50% |
| Total annual credits | 60,000 points |
Card details
Regular APR | 19.49%–29.49% variable |
Foreign transaction fee | None |