Atmos Rewards Credit Card: Miles, Perks and Fees Guide

If you fly Alaska Airlines or Hawaiian Airlines, the Atmos Rewards credit cards are built to turn everyday spending into free flights. Atmos Rewards is the combined loyalty program that Alaska and Hawaiian launched in 2025 after the two airlines merged. Bank of America issues the cards, and they run on the Visa network, so you can use them almost anywhere.

There is more than one card in the family. This guide breaks down the main personal options and the business card so you can see which one fits how you travel. Firstcard does not issue these cards. We compare them so you can decide before you apply.

Key facts at a glance

Figures are accurate as of June 2026. Terms and conditions apply, and APRs vary by creditworthiness.

What the Atmos Rewards card lineup looks like

Bank of America offers a few versions of the Atmos Rewards card. The differences come down to annual fee, perks and welcome bonus size.

The Atmos Rewards Ascent Visa Signature is the core personal card. It carries a $95 annual fee and aims at travelers who fly Alaska or Hawaiian a few times a year.

The Atmos Rewards Summit Visa Infinite is the premium option. It has a $395 annual fee and adds richer travel benefits for frequent flyers.

The Atmos Rewards Business Visa is for business owners. It charges $70 for the company plus $25 per card, so the minimum is $95 a year.

How you earn miles

Atmos Rewards points act like airline miles. On the Ascent card you earn 3 points per dollar on eligible Alaska and Hawaiian purchases, 2 points per dollar on gas, EV charging, cable, streaming services and local transit including rideshare, and 1 point per dollar on everything else.

The business card earns 1 to 3 points per dollar in similar categories. If you hold an eligible Bank of America small business account, you may get a 10% rewards bonus, which can bump those rates to 1.1x, 2.1x and 3.1x.

Points can typically be redeemed for award flights on Alaska, Hawaiian and a long list of global partners. Award pricing varies by route and demand, so the value of each point can change. If you prefer hotel rewards over airline miles, a card like the IHG One Rewards Premier works on a similar points-to-travel model for stays instead of flights.

Welcome bonus details

Welcome offers change over time, so check the current terms before you apply. As of June 2026, the Ascent card offers 80,000 bonus points plus a $99 Companion Fare, with taxes and fees from $23, after you spend $4,000 within the first 120 days.

The business card offers 80,000 bonus points plus a $99 Companion Fare after $5,000 in spending in the first 90 days. The premium Summit card has offered 100,000 points and a 25,000-point Global Companion Award after higher spending. These promotions can shift, and Bank of America has run limited-time boosted offers.

The perks that matter most

The everyday perks are where these cards earn their keep for loyal flyers.

Cardholders get a first checked bag free for themselves and up to six companions on the same reservation on Alaska or Hawaiian flights. That alone can offset the annual fee if you check bags a few times a year.

The Companion Fare lets you bring a second traveler for a discounted base fare plus taxes and fees. You also get preferred boarding on eligible flights. The premium Summit card layers on more travel credits and lounge-style benefits for the higher fee.

APR, fees and credit needs

The Ascent card has a variable purchase APR of 19.49% to 27.49% as of June 2026, based on your credit. These cards are built for people who pay in full each month, because carrying a balance can wipe out the value of the miles you earn. It helps to know the average credit card interest rate so you can see how this card compares before you carry a balance. A penalty APR may apply if you pay late, so review the cardholder agreement.

Foreign transaction fees are typically waived on the Atmos travel cards, which helps on trips abroad. Late and returned-payment fees still apply.

Approval generally favors applicants with good to excellent credit, often around 700 and up. Bank of America reports your account to all three major bureaus: Equifax, Experian and TransUnion.

If you would rather earn premium-card rewards on everything than chase a single airline's miles, the Robinhood Gold Card earns 3% unlimited cash back on every purchase with no foreign transaction fees. There are no award charts or blackout dates to navigate, and the cash back can cover a flight on any airline you choose. It is available to Robinhood Gold members, so you open it through your Robinhood brokerage account. Terms and conditions apply, and APRs vary by creditworthiness.

Honest alternatives to consider

The Atmos Rewards cards make the most sense if you are loyal to Alaska or Hawaiian. If you fly many airlines, a flexible travel card like the Chase Sapphire Preferred Card may give you more freedom, since its points transfer to several airline and hotel programs. For simple flat-rate travel rewards, the Capital One Venture Rewards Credit Card earns miles on every purchase you can redeem against travel costs.

If you are not a frequent flyer at all, a co-branded store rewards card can still return real value on everyday shopping. The TJX Rewards card and the Runway Rewards card are two examples that pay you back on retail spending rather than flights, and outdoorsy travelers may prefer the Good Sam Rewards card for camping and RV purchases.

Don't yet have the credit for a card like this? The Aspire Mastercard has higher approval odds, no security deposit, and reports to all three bureaus, so you build the 12-month history these cards want. Terms and conditions apply, and APRs vary by creditworthiness.

Want to keep your score in the 700 range these cards want? Creditship is a free credit monitor that tracks all three bureaus and gives concrete steps to lift your score. Build the track record first, then revisit a travel rewards card later. Compare the full terms of any option before applying.

Frequently Asked Questions

Who issues the Atmos Rewards credit card?

Bank of America issues all of the Atmos Rewards cards, and they run on the Visa network. Atmos Rewards is the loyalty program created by Alaska Airlines and Hawaiian Airlines, but the bank handles the credit accounts.

Do Atmos Rewards points expire?

Atmos Rewards points generally stay active as long as your account is open and in good standing and you have qualifying activity. Program rules can change, so confirm the current expiration policy in your account terms before counting on a balance.

Is the free checked bag worth the annual fee?

For frequent Alaska or Hawaiian flyers it often is. A first checked bag free for you and up to six companions can add up quickly across a year, and it can offset much or all of the $95 fee on the Ascent card.

What credit score do I need for the Atmos Rewards card?

Approval typically favors applicants with good to excellent credit, often around 700 or higher. Bank of America also weighs income, existing debt and overall credit history, so a strong score alone does not guarantee approval.