01 · overview
Annual fee
$99
Per year
Sign up bonus
50K mi
After $4,000 in 3 mo
Credits
60,000 points
2 credits
Median FICO
—
Approved
Median income
—
Approved
Our take
A niche business card for owners who fly Hawaiian or Alaska, now earning into the combined Atmos Rewards program: 3x on those airlines, 2x on gas, dining, and office supplies, and a 50,000-mile sign-up bonus for $99 a year. The big annual spend bonuses (20k at $50k, 40k at $100k) only pay off for heavy spenders. Unless those two airlines are central to your travel, a flexible business rewards card will stretch further.
02 · earn & credits
Earn rates & credits
Earn rates
| Category | Rate |
|---|---|
Airlines Hawaiian Airlines and Alaska Airlines purchases | 3x |
Gas | 2x |
Dining | 2x |
office_supplies | 2x |
Everything Else | 1x |
Statement credits
| Credit | 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 |
| Total annual value | 60,000 points |
03 · card details
Card details
Regular APR | 20.24%–29.99% variable |
04 · approval odds
Approval odds
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