Bank of America
Atmos™ Rewards Ascent Visa Signature®
Key Features
| Annual Fee | $95.00 |
| Sign-up Bonus | 70,000 bonus points, $99 Companion Fare |
| Rewards Rate | 1-3x points on purchases |
| Intro APR | None |
| Regular APR | Standard APR 19.49% - 27.49% variable |
| Other Fees | Balance Transfer Fee 5% of each transaction |
| Network | Visa |
About this card
The Atmos™ Rewards Ascent Visa Signature® card earns an overall rating of 3.8 out of 5.0, placing it firmly in the 'Good' category, with strong potential for 'Excellent' for its specific target audience. This card excels in its primary purpose: delivering exceptional value for frequent travelers on Alaska Airlines and Hawaiian Airlines. The rewards program is outstanding, highlighted by a very generous 70,000 bonus points and $99 Companion Fare upon meeting a reasonable spend threshold, and competitive ongoing earning rates (3x points on eligible airline purchases, 2x on select everyday categories). Crucially, the numerous travel perks, such as the annual Companion Fare, free checked bags for the cardholder and guests, and inflight discounts, significantly enhance its value proposition, easily offsetting the $95 annual fee for loyal customers. However, the card is severely hampered by its very high regular APR range of 19.49% to 27.49% variable, with no introductory APR period, making it a poor choice for anyone who anticipates carrying a balance. Additionally, the 5% balance transfer fee is notably high, and the lack of explicit information on foreign transaction fees is a significant oversight for a travel-focused card, potentially diminishing its value for international use. While the card offers superb benefits for its niche, these significant drawbacks prevent it from achieving a higher overall rating for a broader consumer base.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- Airline travel perks
- Annual Companion Fare
- Lounge membership discount
Things to consider
- Annual fee
- No intro APR period
- High regular APR
- High balance transfer fee
What this card offers
Sign-up bonuses
- Limited-time online offer — 70,000 bonus points
- Get 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $2,500 or more on purchases within the first 90 days of opening your account.
Rewards
- Earn unlimited 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases.
- Earn unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit purchases, including rideshare.
- Earn unlimited 1 point for every $1 spent on all other purchases.
- You can also earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
Other features
- Annual $99 Companion Fare – Get a $99 Companion Fare (plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year.
- Free checked bag and preferred boarding for you and up to 6 guests on the same reservation when you pay for your Alaska Airlines or Hawaiian Airlines flight with your card.
- Flexibility with no blackout dates on Alaska Airlines and Hawaiian Airlines flights when booking with points or a companion fare.
- Enjoy 20% back on Alaska Airlines and Hawaiian Airlines inflight purchases when you pay with your card.
- Get $100 off an annual Alaska Lounge+ Membership purchased with your card.
- We block potential fraud if abnormal patterns are detected and let you know if we suspect fraudulent activity. Plus, you always get a $0 Liability Guarantee for fraudulent transactions.
- An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America® checking account to your credit card. No transfer fees. Other fees may apply.
- Opt for paperless credit card statements and increase account security while reducing paper consumption.
- Discover more ways to pay by adding your Bank of America® credit card to your mobile device then shop in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay.
- Access to our award-winning Online and Mobile Banking. Bank on the go from almost anywhere quickly and securely. Pay your credit card bill online, transfer funds, check available credit and more.
- Stay on top of your balances and due dates. Choose from several types of customer email or text alerts and let your phone tell you when payments are due and paid.
Additional Notes
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.