Atmos Rewards Ascent Visa Signature Credit Card

Atmos Rewards Ascent Visa Signature

Last Updated: 02/27/2026

Rating
3.8 / 5
Sign Up Bonus
70,000 Points
Annual Fee
$95
Credit Score
Good

Summary

Sign-Up Bonus
4
Spending Multipliers
3.5
Credits & Features
2
Fees
4.5
Application
5
Issuer
4

The Bank of America Atmos Rewards Ascent credit card is a premium travel card designed for frequent flyers of Alaska Airlines who want to maximize airline perks and savings on travel. Cardholders can enjoy a $99 annual companion fare (with $6,000 annual spend), 20% back on inflight purchases, $100 off an annual Alaska Lounge+ membership, free checked bags for themselves and up to six guests, and priority boarding for the same group, making it ideal for U.S.-based travelers who fly Alaska Airlines regularly. While the card carries an annual fee that is not waived in the first year, has a 1x catch-all category, and some credits may not fully offset the fee, it provides valuable airline-specific benefits that reward frequent travelers seeking enhanced comfort, savings, and convenience on every trip.

Pros

Check mark
No foreign transaction fee

Cons

Negative sign
Annual fee not waived in the first year
Negative sign
Credits may not offset annual fee
Negative sign
$99 companion fare requires $6,000 annual spend
Negative sign
1x catch all category

Issuer

Bank of America, founded in 1904 as Bank of Italy, has evolved into the second-largest US bank with a global presence in over 35 countries. Despite a disruptive history, including legal challenges related to risky mortgage loans, the bank remains a leading global financial institution, offering a comprehensive range of products such as credit cards, checking, savings, loans, investments, and business services. While recently announcing a departure from subprime lending in mortgage and auto loans, Bank of America continues to provide credit cards for various credit profiles. However, to qualify for the most rewarding cards with optimal benefits, an excellent credit score is usually required. Nevertheless, Bank of America is prioritizing financial stability with over $3.4 trillion in total assets and $192 billion in annual revenue in 2025. In addition, Bank of America is committed to innovation, investing significantly in AI and technology. Aligned with a global CSR strategy, it aims to achieve net-zero greenhouse gas emissions by 2050. Operating approximately 3,900 financial centers, the bank provides accessibility through digital banking and physical locations, catering to a diverse customer base. Upholding a mission to improve financial lives, Bank of America values responsible growth, collaboration, and trust within its team, adhering to regulatory standards as an FDIC insured and equal housing lender.

Spending Multipliers

3x

Points on purchases with Alaska Airlines

2x

Points on gas stations

2x

Points on cable

2x

Points on streaming services

2x

Points on local transit

1x

Points on all other purchases

Credits & Features

$99 annual companion fare
20% back on inflight purchases
$100 off on annual Alaska Lounge+ membership
Free checked bag for you and up to 6 additional guests
Priority boarding for you and up to 6 additional guests

Application

  • Ability to get some BoA cards without a SSN or credit history
  • BoA has a 2/3/4 role, meaning you can only be approved for 2 cards in 2 months, 3 cards in 12 months, and 4 cads in 24 months
  • You cannot get this card if you currently have or have had it in the past 24 months

Fees

  • $95 Annual Fee
  • No Foreign Transaction Fee
  • Up to $40 late fee
  • 19.49% - 27.49% Variable APR
  • 28.49% APR for Cash Advance
  • 5% of each cash advance transaction
  • 19.49% - 27.49% APR for Balance Transfer
See Full and Updated Rate & Fee Schedule During Application Process