Bank of America
Atmos™ Rewards Ascent Visa Signature®
Key Features
| Annual Fee | $95.00 |
| Sign-up Bonus | 70,000 bonus points |
| Rewards Rate | 1x-3x points |
| Intro APR | None |
| Regular APR | Standard APR 19.49% - 27.49% variable |
| Other Fees | Balance Transfer Fee 4% of each transaction |
| Network | Visa |
About this card
The Atmos™ Rewards Ascent Visa Signature® card earns an overall rating of 3.5. This card is good, offering solid value, particularly for frequent flyers of Alaska Airlines and Hawaiian Airlines. The rewards program is decent, providing good earning potential on relevant travel and everyday spending categories. The sign-up bonus is also a significant draw. However, the high APR range is a notable downside. The annual fee is reasonable, especially when offset by benefits like the Companion Fare and free checked bags. The card's reputation is solid, with positive reviews from experts and users alike. The rewards structure is better than average, especially for airline loyalists. Strengths: Generous sign-up bonus, valuable travel perks, decent rewards on travel, gas, transit and streaming purchases. Weaknesses: Annual fee, high regular APR, limited redemption options beyond the partner airlines.
Pros & Cons
What's great
- Generous sign-up bonus
- Rewards on purchases
- Airline perks
Things to consider
- Annual fee
- High regular APR
- Balance transfer fee
What this card offers
Sign-up bonuses
- Limited-time online offer — 70,000 bonus points
- Earn 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23). To qualify, spend $3,000 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
- Get a $99 Companion Fare (plus taxes and fees from $23) each account anniversary after you spend $6,000 or more in 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. Learn more at the Security Center Opens in a new window
- 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. Learn more about Digital Wallets Technology opens in a new window
- 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
Please see Terms and Conditions for rate, fee and other cost information, as well as an explanation of payment allocation. All terms may be subject to change. Note: minimum payments are applied to lower-interest balances first. Additional payments are applied to higher-interest balances first.