Key Points

• The Atmos Rewards Summit, Ascent, and Business cards each carry welcome offers currently worth $700 to $1,750 depending on the card and how you value companion awards.
• Atmos Rewards points work across Alaska Airlines, Hawaiian Airlines, and Oneworld partner airlines, making the program especially strong for West Coast, Hawaii, and international redemptions.
• Casual travelers get the most value from the Ascent's low annual fee, while frequent flyers benefit more from the Summit's lounge access and faster status earning.

Introduction

Atmos Rewards is the combined loyalty program born from Alaska Airlines' acquisition of Hawaiian Airlines, and it's quickly become one of the more interesting programs in the points and miles world. If you're weighing whether one of the three cobranded Atmos Rewards credit cards belongs in your wallet, you're not alone. Between a premium option with real travel perks, a budget friendly mid tier card, and a small business option, there's a fit for almost every kind of traveler. This guide breaks down what each card offers right now, what you actually get for the annual fee, and how to figure out which one matches how you fly.

How Atmos Rewards Works

Atmos Rewards launched as the unified frequent flyer program covering both Alaska Airlines and Hawaiian Airlines after the two carriers merged. That combination matters more than it might seem. You can now earn and burn points across both airlines' route networks, plus a wide roster of partner airlines that includes several Oneworld alliance members, giving you meaningful reach well beyond the West Coast and Hawaii.

The program offers three credit cards issued through Bank of America: the Summit Visa Infinite, the Ascent Visa Signature, and a Visa Signature Business card. All three currently carry some of the strongest welcome offers seen since the rebrand, which makes this a good moment to compare them if Atmos Rewards fits into your broader credit card rewards strategy.

If you want to see how current Atmos offers stack up against other current promotions before applying, our roundup of the best credit card bonuses right now is a good next stop.

Atmos Rewards Summit Visa Infinite

The Summit is the premium option in the lineup, and it's built for people who fly Alaska or Hawaiian often enough to make a $395 annual fee worthwhile. If you're still deciding whether a fee that size makes sense for your travel habits, it's worth reading our guide on how to pay attention to credit card annual fees before applying.

The current welcome offer lets new cardholders earn 100,000 bonus points plus a 25,000 point Global Companion Award after meeting a $6,500 spending requirement within the first 90 days, and a 50% flight discount code is included on top of that. Between the points, the companion award, and the discount code, this is a meaningfully stronger offer than what the Summit has carried historically.

Spending on the card earns 3 points per dollar on Alaska and Hawaiian purchases, dining, and foreign transactions, with 1 point per dollar on everything else. That foreign transaction bonus is unusual among airline cards, and it makes the Summit worth comparing against our list of the best cards for foreign transactions and international travel if you spend heavily overseas. It also means you can skip the workarounds covered in our guide on saving money on foreign transaction fees while traveling, since the Summit already waives them.

Beyond earning, the Summit comes loaded with status perks: automatic status points each account anniversary, a free checked bag for you and up to six travel companions, priority boarding, two Alaska Lounge passes and two inflight Wi-Fi passes each quarter, and a credit toward TSA PreCheck or Global Entry. Pair that credit with Clear+ for expedited security screening, and you can cut real time off your airport routine on top of the lounge access. If lounge access is a priority for you generally, it's worth comparing this against other premium travel cards in our best credit cards for airport lounge access roundup.

The standout feature is the Global Companion Award. Unlike a typical discounted companion fare, this is a full 25,000-point award redeemable on Alaska, Hawaiian, or a partner airline in any class of service, and it renews every account anniversary. Spend $60,000 or more in a card year and that companion award jumps to 100,000 points, which can cover a genuinely premium redemption. Tools like Seats.Aero make it much easier to track down that premium cabin partner availability once you're ready to book.

Atmos Rewards Ascent Visa Signature

The Ascent is the mid-tier card, and it's the one most casual Alaska or Hawaiian flyers should look at first. The $95 annual fee is far more approachable than the Summit's, and if you'd rather skip an annual fee entirely, our best no annual fee credit cards for travel list is worth a look for comparison.

Right now, new cardholders can earn 50,000 bonus points plus a companion fare, starting from $23 in taxes and fees, after spending $2,000 in the first 90 days. It's a smaller bonus than what the Ascent has offered at times in the past, so if you're not in a rush, it may be worth watching for a stronger version before applying.

Earning rates run 3 points per dollar on Alaska and Hawaiian purchases, 2 points per dollar on gas, EV charging, streaming, cable, and local transit including rideshare, and 1 point per dollar on everything else. Cardholders also get a free checked bag, priority boarding, no foreign transaction fees (see our full list of cards with no foreign transaction fee for how it compares), and the ability to earn an additional annual companion fare after hitting a $6,000 spending threshold in the prior card year.

That renewable companion fare is really the card's core value proposition. A companion flying for the cost of taxes and fees once a year can easily outweigh the annual fee for anyone who takes even one Alaska or Hawaiian trip annually with a travel partner.

Atmos Rewards Business

Small business owners who fly Alaska or Hawaiian regularly have their own option here, with a $70 company fee plus $25 per additional employee card. If a lower cost small business card is more your speed, compare it against our best credit cards for small business owners with no fee guide.

The current welcome offer is 80,000 bonus points and a companion fare after $5,000 in spending within 90 days, which matches the strongest offer this card has ever carried. Earning rates mirror the Ascent at 3 points per dollar on Alaska and Hawaiian purchases and 2 points per dollar on gas, EV charging, shipping, and local transit, with 1 point per dollar elsewhere.

Business cardholders get the same free checked bag, priority boarding, and renewable companion fare as the Ascent, plus one perk unique to this card: $100 off an annual Alaska Lounge+ membership. For a business that sends employees through Alaska or Hawaiian hubs regularly, that lounge discount combined with the shipping bonus category can add up quickly.

Quick Comparison at a Glance

• Summit ($395 annual fee): 100,000 points plus a 25,000-point Global Companion Award and a 50% flight discount code, best for frequent flyers who want lounge access and faster status.
• Ascent ($95 annual fee): 50,000 points plus a companion fare, best for travelers flying Alaska or Hawaiian a couple of times a year who want a lower cost of entry.
• Business ($70 company fee, $25 per card): 80,000 points plus a companion fare and a Lounge+ discount, best for small businesses with regular Alaska or Hawaiian travel.

Which Atmos Rewards Card Is Right for You

• Choose the Summit if you fly Alaska or Hawaiian several times a year, value lounge access, or spend meaningfully on foreign transactions where the 3x category applies.
• Choose the Ascent if you're newer to the program, want a companion fare without a steep annual fee, or only take one or two trips on these airlines annually.
• Choose the Business card if you run a company that regularly books Alaska or Hawaiian flights for yourself or employees and want the lounge discount alongside standard business categories.

Whichever direction you lean, it's worth applying directly through Alaska Mileage Plan so your account is linked and ready before your welcome offer spending clock starts.

FAQ

Is Atmos Rewards the same as Alaska Mileage Plan?
Atmos Rewards replaced Alaska's Mileage Plan as the unified loyalty program following Alaska's acquisition of Hawaiian Airlines. Existing Mileage Plan members and points transferred over automatically, and you can manage your account through the same Alaska Mileage Plan portal.

Can I hold more than one Atmos Rewards card?
Yes, and some travelers pair the Ascent or Business card with the Summit to capture multiple welcome bonuses and stack companion fare benefits, though each application is subject to Bank of America's own approval rules.

Will applying for an Atmos Rewards card hurt my credit score?
A new application typically causes a small, temporary dip. If you're unsure how this fits into your broader credit strategy, our guide on whether opening a new credit card hurts your credit score walks through what actually happens and how long it lasts.

Which card has the better companion benefit?
The Summit's Global Companion Award is a full points-based award redeemable in any class of service, while the Ascent and Business cards offer a discounted companion fare starting around $23 in taxes and fees. The Summit's version is more valuable but comes with a much higher annual fee.

Conclusion

The Atmos Rewards lineup gives you a real choice depending on how often you fly Alaska or Hawaiian and how much you're willing to pay for premium perks. The Summit rewards frequent flyers with lounge access and a genuinely valuable companion award, the Ascent keeps things affordable while still delivering a renewable companion fare, and the Business card fills a clear gap for small business travelers. Whichever one fits your travel pattern, current bonuses on all three make this a strong window to apply through Alaska Mileage Plan. This article contains affiliate links. If you apply through our links, we may earn a commission at no cost to you, which helps us continue sharing points and miles strategies with the community.