Bank of America
Atmos Rewards Ascent Visa Signature
Key Features
| Annual Fee | $95.00 |
| Sign-up Bonus | 80,000 points + 50% flight discount |
| Rewards Rate | 1x-3x Points |
| Intro APR | Introductory 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 'Excellent' overall rating, standing out as a premier choice for its specific target audience: frequent flyers of Alaska and Hawaiian Airlines. Its exceptional rewards program, generous sign-up bonus, and valuable travel perks are its undeniable strengths, providing immense value that can easily offset its annual fee. The limited-time sign-up offer of 80,000 bonus points, a $99 Companion Fare, and a 50% global flight discount code is truly outstanding. Furthermore, the ongoing benefits like the annual Companion Fare, free checked bags for the cardholder and up to six guests, and a strong earn rate (3x on airline purchases, 2x on select categories) make it highly competitive within its niche. However, the card is not without its weaknesses. The most significant drawback is its poor APR structure, lacking any introductory offer and featuring a high variable regular APR (19.49% - 27.49%), making it unsuitable for those who carry a balance. The 5% balance transfer fee is also very high, and the lack of explicit information on foreign transaction fees for a travel card is a notable omission. The card's value is also highly specialized, diminishing significantly for consumers who do not frequently fly with Alaska or Hawaiian Airlines. Additionally, while the card's reputation within its niche is strong, the issuer (Atmos Financial) is a fintech with a developing and somewhat mixed reputation compared to established banks. Despite these limitations, the card's core value proposition for its intended user is exceptionally strong. The combination of its lucrative rewards, annual travel benefits, and flexible redemption options for its target airlines positions it as a top-tier co-branded travel card. The annual fee is easily justified by the benefits for the right cardholder. The overall rating reflects its outstanding performance for its niche, while acknowledging areas like APR and broader appeal where it falls short.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- Airline travel perks
- Annual companion fare
- Lounge membership discount
- Flexible rewards redemption
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 — 80,000 bonus points + a 50% flight discount code
- Earn 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $4,000 or more on purchases within the first 120 days of opening your account. Additionally, receive a 50% global flight discount code for a qualifying future flight after opening your new 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.
- 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
- 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.
- With oneworld Alliance member airlines and Alaska's Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem points.
Additional Notes
This card is unavailable. Priority code: SC015P.