Bank of America
Atmos™ Rewards Ascent Visa Signature® Credit Card
Key Features
| Annual Fee | $95.00 |
| Sign-up Bonus | 50,000 points plus $99 Companion Fare |
| Rewards Rate | 1x-3x Points |
| Intro APR | None |
| Regular APR | Standard APR 19.74% - 27.74% variable |
| Other Fees | Balance Transfer Fee 5% of each transaction |
| Network | Visa |
About this card
The Atmos™ Rewards Ascent Visa Signature® Credit Card earns an 'Excellent' overall rating of 4.2 out of 5.0. This card stands out as a top-tier option for its specific target audience: frequent flyers of Alaska Airlines and Hawaiian Airlines. Its rewards program is exceptionally strong (4.7/5.0), offering high earn rates on airline purchases and everyday categories, complemented by a very generous sign-up bonus and highly valuable ongoing travel benefits like the annual Companion Fare and free checked bags. The fee structure is also very favorable (4.5/5.0), particularly with no foreign transaction fees and an annual fee that is easily justified by the card's perks. The card's reputation among financial experts is robust, recognizing its strong value proposition for the right user. The primary drawback is its notably poor APR offering (1.5/5.0), characterized by a complete absence of an introductory APR and a high regular variable APR range. Additionally, the balance transfer fee is on the higher side. However, for a travel rewards card, where the primary goal is to earn and redeem rewards, the APR is often less critical for responsible cardholders who pay their balance in full each month. The card's value proposition is undeniable for those loyal to Alaska and Hawaiian Airlines, as the substantial travel savings and enhanced earning potential far outweigh its annual cost and mitigate the concern over the high APR. It is a highly recommended choice for its niche, delivering excellent value and benefits that significantly enhance the travel experience for its intended users.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on specific travel and everyday categories
- Annual travel companion benefit
- Valuable airline perks
- Discount on lounge membership
- Flexible point redemption for travel
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 — 50,000 bonus points
- Get 50,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $1,500 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.
- Stay Protected: 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.
- Balance Connect® for overdraft protection: 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.
- Paperless Statement Option: Opt for paperless credit card statements and increase account security while reducing paper consumption.
- Digital Wallet Technology: 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.
- Online & Mobile Banking: 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.
- Account Alerts: 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
Note: minimum payments are applied to lower-interest balances first. Additional payments are applied to higher-interest balances first.