Atmos™ Rewards Ascent Visa Signature® credit card Review

Last Updated on May 13, 2026

Offer Rating

4.0/5

The Atmos™ Rewards Ascent Visa Signature® credit card offers cardholders robust point-earning opportunities, a loyalty anniversary fare, and free checked bags.

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Atmos Rewards Ascent Visa Signature credit card card art

Atmos™ Rewards Ascent Visa Signature® credit card

4.0 BCC Score
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Welcome Offer
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% flight discount code for a qualifying future flight after opening your new account.
Rewards Rate
3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases, unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases, and unlimited 1 point per $1 spent on all other purchases
Intro APR
N/A, then 19.49% - 27.49% Variable APR on purchases
Annual Fee
$95
Credit Score Needed
Excellent/Good
Card Brand
Visa
  • Limited-time online offer – 80,000 bonus points + a 50% flight discount code.
  • Receive a 50% flight discount code for a qualifying future flight after opening your new account. Additionally, 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.
  • 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. Valid on all Alaska Airlines and Hawaiian Airlines flights within North America booked on AlaskaAir.com.
  • 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 (including ride share) purchases. And earn unlimited 1 point per $1 spent on all other purchases. Points don’t expire on active accounts.
  • Earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
  • Get a free checked bag and preferred boarding for you and up to 6 guests traveling on the same reservation when you purchase Alaska Airlines or Hawaiian Airlines airfare with your card.
  • Earn and redeem across 1,000+ destinations worldwide with oneworld® Alliance member airlines and 30+ global air partners.
  • Plus, no foreign transaction fees and a low $95 annual fee.
  • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Pros

  • Cardholders can earn a large welcome offer
  • Earn points on every purchase and elevated points in select categories
  • Free checked bag on Alaska Airlines and Hawaiian Airlines

Cons

  • Alaska Airlines and Hawaiian Airlines primarily serve the West Coast
  • There is a balance transfer fee of 5% of the amount of each transaction

OUR EXPERT REVIEW

Why We Like It

If you prefer flying with the highly regarded Alaska Airlines or Hawaiian Airlines, are based on the West Coast, or are simply looking for a rewarding travel credit card, the Atmos™ Rewards Ascent Visa Signature® credit card could be an excellent fit.

This card starts strong with a generous point-earning opportunity, where new cardholders 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% flight discount code for a qualifying future flight after opening your new account. Even if you don’t hit the complete welcome offer threshold, you’ll still enjoy a solid everyday rewards structure: unlimited 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases, unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases, and unlimited 1 point per $1 spent on all other purchases. You can earn and redeem your points across 1,000+ destinations worldwide with oneworld® Alliance member airlines and 30+ global air partners, and even earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.

The travel perks don’t stop at rewards. With benefits like a a free checked bag and preferred boarding for you and up to 6 guests traveling on the same reservation when you purchase Alaska Airlines or Hawaiian Airlines airfare with your card, you can start your trip in comfort while saving on fees. Cardholders also 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 – easily offsetting the $95 annual fee and potentially saving you hundreds of dollars on flights. Plus, no foreign transaction fees make it a great card to carry abroad. With its combination of valuable travel perks and point-earning opportunities, the Atmos™ Rewards Ascent Visa Signature® credit card is a well-rounded travel companion.

Pros & Cons

Pros

  • Cardholders can earn a large welcome offer
  • Earn points on every purchase and elevated points in select categories
  • Free checked bag on Alaska Airlines and Hawaiian Airlines

Cons

  • Alaska Airlines and Hawaiian Airlines primarily serve the West Coast
  • There is a balance transfer fee of 5% of the amount of each transaction

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