--- title: "Atmos Rewards Ascent Visa: Is the $95 mid-range Alaska and Hawaiian card worth it?" description: "The Atmos Rewards Ascent Visa Signature card costs $95 a year, has no foreign transaction fees, and comes with a set of flight perks for Alaska and…" url: https://travel.skoop.news/alaska-atmos-rewards-ascent-card-review-big-bonus-great-bene-3ea3a8/ published: 2026-10-26T11:44:44.811859-04:00 modified: 2026-10-26T11:44:44.811935-04:00 section: "Travel" publisher: "skoop.news" language: en keywords: ["Alaska", "Bank of America", "Atmos Rewards", "Hawaiian Airlines", "Atmos Rewards Ascent Visa Signature", "Alaska Airlines", "Alaska Lounge", "Americas", "Hawaii", "travel"] hashtags: ["#BankOfAmerica", "#AtmosRewards", "#HawaiianAirlines", "#Travel", "#travelnews"] image: https://thumb.wikimedia.org/wikipedia/commons/thumb/1/18/Alejandro_Velasco_Astete_International_Airport_-_Terminal_building.jpg/1280px-Alejandro_Velasco_Astete_International_Airport_-_Terminal_building.jpg?utm_source=commons.wikimedia.org&utm_campaign=imageinfo&utm_content=thumbnail --- # Atmos Rewards Ascent Visa: Is the $95 mid-range Alaska and Hawaiian card worth it? > The Atmos Rewards Ascent Visa Signature card costs $95 a year, has no foreign transaction fees, and comes with a set of flight perks for Alaska and Hawaiian travelers. Published 2026-10-26 · Updated 2026-10-26 · Travel, [skoop.news](https://skoop.news/) ## In brief - The Atmos Rewards Ascent Visa Signature card has a $95 annual fee and no foreign transaction fees, which matters if you fly Alaska Airlines or Hawaiian Airlines. [[1]](https://www.cnbc.com/select/atmos-rewards-ascent-visa-card-review/) - The card offers 3x points on Alaska and Hawaiian purchases. [[2]](https://onemileatatime.com/reviews/credit-cards/bank-of-america/atmos-rewards-ascent-card/) - When you pay for an Alaska or Hawaiian flight with the card, you and up to six guests on the same reservation receive preferred boarding and one free checked bag. [[1]](https://www.cnbc.com/select/atmos-rewards-ascent-visa-card-review/) ## What the card is The Atmos Rewards Ascent Visa Signature card has a $95 annual fee and no foreign transaction fees, which matters if you fly Alaska Airlines or Hawaiian Airlines. [[1]](https://www.cnbc.com/select/atmos-rewards-ascent-visa-card-review/) It is the mid-range personal credit card of Atmos Rewards, the loyalty program of those two airlines. [[2]](https://onemileatatime.com/reviews/credit-cards/bank-of-america/atmos-rewards-ascent-card/) Bank of America issues the card. [[2]](https://onemileatatime.com/reviews/credit-cards/bank-of-america/atmos-rewards-ascent-card/) This piece covers how the card earns points, what perks it offers, and who can apply. ## How you earn The card offers 3x points on Alaska and Hawaiian purchases. [[2]](https://onemileatatime.com/reviews/credit-cards/bank-of-america/atmos-rewards-ascent-card/) It offers 2x points on eligible gas, EV charging stations, cable, streaming services, and local transit purchases, including rideshare. [[2]](https://onemileatatime.com/reviews/credit-cards/bank-of-america/atmos-rewards-ascent-card/) The card also earns one status point for every $3 in eligible spending. [[2]](https://onemileatatime.com/reviews/credit-cards/bank-of-america/atmos-rewards-ascent-card/) There is no cap on the status points you can earn. [[2]](https://onemileatatime.com/reviews/credit-cards/bank-of-america/atmos-rewards-ascent-card/) If you pair the card with an eligible Bank of America banking or investment account, you earn a 10% bonus on points earned from purchases. [[1]](https://www.cnbc.com/select/atmos-rewards-ascent-visa-card-review/) Atmos points can be redeemed for flights on oneworld airlines and other partners. [[1]](https://www.cnbc.com/select/atmos-rewards-ascent-visa-card-review/) ## Travel perks When you pay for an Alaska or Hawaiian flight with the card, you and up to six guests on the same reservation receive preferred boarding and one free checked bag. [[1]](https://www.cnbc.com/select/atmos-rewards-ascent-visa-card-review/) Cardholders also receive 20% back on inflight purchases on Alaska or Hawaiian flights when paying with the card. [[1]](https://www.cnbc.com/select/atmos-rewards-ascent-visa-card-review/) The companion fare is valid on all Alaska and Hawaiian economy fares within the Americas, including Hawaii. [[2]](https://onemileatatime.com/reviews/credit-cards/bank-of-america/atmos-rewards-ascent-card/) It is valid on round-trip or one-way saver or main cabin economy flights within North America with Alaska or Hawaiian Airlines. [[1]](https://www.cnbc.com/select/atmos-rewards-ascent-visa-card-review/) Buying an annual Alaska Lounge+ membership with the card gives you a $100 discount. [[1]](https://www.cnbc.com/select/atmos-rewards-ascent-visa-card-review/) The card's pros-and-cons list identifies the lack of airport lounge access as a drawback. [[2]](https://onemileatatime.com/reviews/credit-cards/bank-of-america/atmos-rewards-ascent-card/) ## Who can apply Eligibility for this card is unrelated to holding any other Atmos Rewards card. [[2]](https://onemileatatime.com/reviews/credit-cards/bank-of-america/atmos-rewards-ascent-card/) Holders of the business or premium Atmos cards can still apply. [[2]](https://onemileatatime.com/reviews/credit-cards/bank-of-america/atmos-rewards-ascent-card/) Bank of America limits approvals on personal cards to two in a two-month period, three in a 12-month period, and four in a 24-month period. [[2]](https://onemileatatime.com/reviews/credit-cards/bank-of-america/atmos-rewards-ascent-card/) There is no consistent credit score requirement for approval. [[2]](https://onemileatatime.com/reviews/credit-cards/bank-of-america/atmos-rewards-ascent-card/) The author would hope for a score of about 700+, but lower-score applicants have been approved and higher-score applicants rejected. [[2]](https://onemileatatime.com/reviews/credit-cards/bank-of-america/atmos-rewards-ascent-card/) ## What it means for you If you fly Alaska or Hawaiian, the card earns 3x points on those purchases and one status point for every $3 in eligible spending. [[2]](https://onemileatatime.com/reviews/credit-cards/bank-of-america/atmos-rewards-ascent-card/) You pay $95 a year for it. [[2]](https://onemileatatime.com/reviews/credit-cards/bank-of-america/atmos-rewards-ascent-card/) If you already hold a business or premium Atmos card, you can still apply. [[2]](https://onemileatatime.com/reviews/credit-cards/bank-of-america/atmos-rewards-ascent-card/) Before you do, check how many Bank of America personal cards you have opened recently, because approvals are limited to two in two months, three in 12 months, and four in 24 months. [[2]](https://onemileatatime.com/reviews/credit-cards/bank-of-america/atmos-rewards-ascent-card/) If airport lounge access matters to you, note that the card does not include it. [[2]](https://onemileatatime.com/reviews/credit-cards/bank-of-america/atmos-rewards-ascent-card/) Late payments can be assessed a fee of up to $41. [[1]](https://www.cnbc.com/select/atmos-rewards-ascent-visa-card-review/) ## Sources 1. [Atmos Rewards Ascent Visa Card review: Earn valuable points, get free checked bags and more](https://www.cnbc.com/select/atmos-rewards-ascent-visa-card-review/) — CNBC 2. [Alaska Atmos Rewards Ascent Card Review: Big Bonus, Great Benefits](https://onemileatatime.com/reviews/credit-cards/bank-of-america/atmos-rewards-ascent-card/) — One Mile at a Time Image: Photo (illustrative): AgainErick / Wikimedia Commons, CC BY-SA 4.0 (https://commons.wikimedia.org/wiki/File:Alejandro_Velasco_Astete_International_Airport_-_Terminal_building.jpg) --- Written from the sources above and checked twice (rules and an independent model) before publishing. How we work: https://skoop.news/how-we-work/ · Corrections: https://skoop.news/corrections/