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Bank of America · synced with issuer page
Bank of America

Atmos™ Rewards Ascent Visa Signature®

Annual fee
$95
Network
visa
Type
personal

Earns Atmos Rewards points, with elevated rewards on eligible Alaska Airlines and Hawaiian Airlines purchases and select everyday spending categories.

Bank of America Atmos™ Rewards Ascent Visa Signature®

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published
$490

What the issuer advertises.

02Realistic
$240

Pays out with no hoops.

03Yours
Open your wallet

From your real spend and redemptions.

$250 of the advertised value — 51% — comes with strings attached.

Why Perqt says this
  • $490 advertised across 3 benefits.
  • $250 (51%) needs a booking, enrollment, or deadline.
  • Biggest credit — Annual $99 Companion Fare (Spend Tier), $250 — comes with conditions.
  • Free first checked bag ($140) posts automatically. No hoops.
  • No-hoops value covers 253% of the annual fee.
Better fit if
  • You'll actually use Annual $99 Companion Fare (Spend Tier).
  • You'll actually use Free first checked bag.
  • 3× on Alaska Airlines and Hawaiian Airlines purchases matches your spend.
Probably not if
  • You won't use Annual $99 Companion Fare (Spend Tier).

Welcome offer

Earn 50,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $1,500 or more on purchases within the first 90 days of opening your account.

Est. value (Perqt)
~$500
Minimum spend
$1,500
Within
3 mo

Earning rates

  • All other purchases
    1×
    pts
  • Top earn
    Alaska Airlines and Hawaiian Airlines purchases
    3×
    pts
  • Gas, EV charging station, cable, streaming services and local transit purchases, including rideshare
    2×
    pts

On-card benefits & credits

  • Annual $99 Companion Fare (Spend Tier)
    $250
    /Annual

    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.

  • Free first checked bag
    $140
    /Annual

    Free Checked Bag Benefit: Any cardholder who has an open account at the time of travel and up to 6 guests traveling on the same reservation may check 1 bag free of charge on qualifying reservations. Qualifying reservations include flights marketed by Alaska Airlines or Hawaiian Airlines and operated by Alaska Airlines, Hawaiian Airlines, Horizon Air, or SkyWest (codeshare flights operated by other carriers are not eligible). Primary cardholder must be an Atmos™ Rewards member. Baggage restrictions apply. Payment with the Atmos™ Rewards credit card is required to qualify for this benefit. Benefit may not be applied retroactively, and no refunds will be issued. Not applicable for guests who already receive 1 or more free checked bags.

  • $100 Alaska Lounge+ Membership Discount
    $100
    /Annual

    $100 Alaska Lounge+ Membership Discount: Cardholders will receive $100 off an annual Alaska Lounge+ Membership purchased with their Atmos™ Rewards credit card. Not combinable with other Alaska Lounge+ Membership discounts. Alaska Airlines reserves the right to restrict, alter, and/or modify the fees, benefits, services, and lounge locations and hours at any time, with or without written notice to its members. Memberships are non-refundable and non-transferable. Visit alaskaair.com/content/airport-lounge/policies-and-rules for full details and policy and rules around Alaska Lounge+ Membership.

  • No Foreign Transaction Fees
    $0
    /As needed

    The card charges no foreign transaction fees on purchases made outside the United States.

  • $0 Liability Guarantee
    $0
    /As needed
  • 10% rewards bonus with an eligible Bank of America account
    $0
    /As needed

    You can also earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account. For example, for every 1,000 points you earn on purchases, you'll receive 1,100 points.

  • Preferred boarding
    $0
    /Annual

    Preferred Boarding: Any cardholder who has an open account at the time of travel and up to 6 guests traveling on the same reservation are eligible for preferred boarding. Airfare must be purchased with your Atmos™ Rewards credit card to qualify for this benefit. To receive preferred boarding, the primary cardholder's Atmos™ Rewards number must be included in the reservation. Preferred boarding is only available on flights marketed by Alaska Airlines or Hawaiian Airlines and operated by Alaska Airlines, Hawaiian Airlines, Horizon Air, or SkyWest. Cardholders and their eligible guests can board the plane before general boarding, after Atmos™ Rewards elite status members and oneworld® Alliance elite members, customers with First Class or Premium Class seating and pre-board groups. Bank of America is not responsible for the provision of, or failure to provide, the stated benefits.

  • 20% Inflight Rebate on Food, Beverage and Wi-Fi Onboard Purchases
    $0
    /As needed

    20% Inflight Rebate on Food, Beverage and Wi-Fi Onboard Purchases: Cardholders will receive a 20% rebate, in the form of a statement credit, on all onboard Alaska Airlines food, beverage, and Wi-Fi purchases using your Atmos™ Rewards credit card as your method of payment, where Alaska Airlines is the merchant of record and the purchase is processed under MCCs 5814 and 4816 and onboard Hawaiian Airlines food and beverage purchases processed under MCC 3196. The statement credit will post to the credit card account within 7 days from transaction posting date. To qualify for the 20% rebate, the account must be open with active charging privileges at the time of the qualifying transaction.

Other Bank of America cards

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