Atmos Rewards Ascent Visa Signature
Bank of America · Visa · $95/yr · Earns Atmos Rewards
Hawaiian Airlines purchases also earn 3x — Alaska and Hawaiian merged loyalty programs into Atmos Rewards.
Rates verified August 10, 2026 · Issuer source: bankofamerica.com
Rewards by category
| Category | Rate |
|---|---|
| Gas | 2x |
| EV Charging | 2x |
| Transit & Rideshare | 2x |
| Streaming | 2x |
| Everything else | 1x |
Our take
This card is built for people who fly Alaska or Hawaiian with any regularity. The two airlines merged their loyalty programs into Atmos Rewards, so eligible purchases with either carrier earn 3x miles. Away from the airport, it covers a commuter's day well: 2x on gas, EV charging, transit and rideshare, and streaming, which SwipeCaddy values around 2.6% back and ranks fourth for transit and fifth for streaming.
The $95 fee is a bet on the perks, not the earn rates. The $99 companion fare only shows up after $6,000 in spend each anniversary year, and it adds taxes and fees from $23. The free first checked bag, which covers you and up to six guests on Alaska and Hawaiian, is the steadier value. Preferred boarding applies only when you pay with the card, and the 10% points bonus requires an eligible Bank of America account.
In a small wallet, treat this as the airline-and-commute specialist, not the everything card. Outside its 2x categories the base rate is 1x, so pair it with a flat-rate card that sets a higher floor for general spending. One quiet strength: there is no foreign transaction fee, so it stays useful on the Visa network when you travel abroad.
The math
Run $200 a month of gas through this card and you're earning about $62 a year at our conservative valuations. Against the $95 annual fee, that top rate needs roughly $1,325 a month of gas spend before it beats a no-fee flat 2% card.
Store bonuses
- Alaska Airlines3x
Sign-up bonus
50,000 Atmos Rewards after $2,000 spend in 90 days.
Key benefits
- $99 companion fare each anniversary after $6,000 spend (plus taxes/fees from $23)
- Free first checked bag for you and up to 6 guests on Alaska and Hawaiian
- Preferred boarding when you pay with the card
- 10% points bonus with an eligible Bank of America account
Common questions
- Does Atmos Rewards Ascent Visa Signature have an annual fee?
- Yes — $95 per year.
- What does Atmos Rewards Ascent Visa Signature earn on gas?
- 2x on gas.
- What rewards does Atmos Rewards Ascent Visa Signature earn on everything else?
- 1x on all other purchases, in Atmos Rewards.
- Is the Atmos Rewards Ascent Visa Signature worth the $95 annual fee?
- It depends on how often you fly Alaska or Hawaiian. The perks carry the fee: a $99 companion fare each anniversary after $6,000 in spend, plus a free first checked bag for you and up to six guests. If you rarely fly either airline, the 2x everyday categories alone make a thin case, so consider a no-fee card instead.
- Does the Atmos Rewards Ascent charge foreign transaction fees?
- No. There is no foreign transaction fee on this card, so purchases made abroad do not carry the usual surcharge. Combined with 3x miles on eligible Alaska and Hawaiian purchases, that makes it a sensible default for booking flights and paying your way through a trip. If you travel internationally even a few times a year, keep it in the front of your wallet.
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